Ally Bank
Ally Bank Spending Account $100 Bonus
Ally Bank pays you $100 when you enroll by December 31, 2026, open a new Spending Account within 30 days of enrolling, and receive a qualifying direct deposit within 60 days of opening. There is no minimum direct deposit amount and no monthly fee. Ally pays one welcome bonus per person, so pick either the Spending Account or the Savings Account.
- Bonus amount
- $100
- Expires
- Dec 31, 2026
- Time to complete
- ~60 days
- Bonus deposited in
- ~90 days
- Difficulty
- Easy
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Requirements
Last verified: Aug 29, 2026
Enroll and open an account
Enroll with your name and email on the offer page by December 31, 2026, then open a new Ally Bank Spending Account within 30 days of enrolling. Use the same email address for both steps.
Fund the account
Fund your new Spending Account with any amount within 30 days of opening. Trial deposits do not count.
Receive a direct deposit
Set up and receive a qualifying direct deposit from an employer payroll, payroll provider, or benefits payer within 60 days of account opening. No minimum dollar amount is stated. Zelle, other person-to-person payments, and mobile check deposits do not count.
The $100 is deposited into the account within 30 days of receiving your qualifying direct deposit.
Account Details
Eligibility
Not eligible if you have, or have had, any Ally Bank deposit account since January 1, 2024, including as a joint owner. Ally Auto and Ally Invest customers without a bank deposit account can still qualify.
Tips & Gotchas
- →The email you enroll with must exactly match the email on the Ally account you open, or the bonus will not track.
- →Your enrollment expires after 30 days if you have not opened the account yet. You can enroll again if that happens.
- →Ally pays one welcome bonus per person. If you open both eligible accounts, you still get one $100 bonus.
- →Keep the account open and in good standing until the bonus posts.
Direct Deposit Data Points 40
40 community reports across 17 transfer sources, showing what triggers a qualifying direct deposit at Ally Bank.
Can You Earn This Bonus Again?
Companion Offers
Ally pays one $100 welcome bonus per person. You can earn it on the Spending Account or the Savings Account, not both.
Fine Print
Enroll by December 31, 2026 and open a new Ally Bank Spending Account within 30 days of enrollment using the same email address. Fund the account with any amount within 30 days of opening, then set up and receive a qualifying direct deposit within 60 days of opening. Not eligible if you have had any Ally Bank deposit account since January 1, 2024. The bonus is treated as interest for tax purposes.
Taxable income · Reported on 1099-INT
Related Articles
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
What is APY (Annual Percentage Yield)?
The annual interest rate on a savings account, expressed as a percentage of your balance with compounding included. On savings accounts we track, APYs currently range from 0.01% at big traditional banks to 4.00% at the best online accounts.
Also see: this month's best bank bonuses and community DD data points.
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