How much is the Ally Bank Savings + Checking bonus actually worth?
The headline number is $100 cash bonus. Counting the money you tie up and the time the requirements take, it works out to about $286/hr per hour of your own time.
Ally Bank Savings + Checking is a savings offer.
The numbers, in full
| Payout | $100 cash bonus |
|---|---|
| What it takes | Enroll through the invite by December 31, 2026, open eligible Ally Savings or Spending within 30 days, and complete qualifying transfers or direct deposits for three consecutive months. |
| Direct deposit needed | Yes |
| Money tied up | None |
| Time committed | 60 days |
| Effective APY | No capital tied up |
| Per hour of your time | $286/hr |
| When it pays | after completing three qualifying months |
| Offer ends | Dec 31, 2026 |
| Last checked | Sep 18, 2026 |
What the return actually looks like
No money of yours sits still here, so an APY would be meaningless. Judge it on pay for your time: about $286/hr for roughly under an hour of work.
Read this chart as a table
| Offer | Pay per hour | Hands-on hours |
|---|---|---|
| Bask Bank | $884/hr | 0.32h |
| TD Bank | $632/hr | 0.32h |
| Barclays | $632/hr | 0.32h |
| Marcus by Goldman Sachs | $400/hr | 0.25h |
| Ally Bank (this offer) | $286/hr | 0.35h |
| Raisin | $0/hr | 0.25h |
Open it
This link is our personal referral. It costs you nothing and often pays you more than the public page.
Related questions
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