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Apple To White-Label Google's Gemini Model for Next-Generation Siri, Report Says
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Ally Bank $100 New Savings Account Referral Bonus (No Direct Deposit Requirement)
Bonus is back. Ally Bank is one of my favorite banks in terms of user interface, practical features, customer service, and reliability. They were my primary checking account for years (the checking can auto-draft from the savings). Unfortunately, their savings account rates have been lagging the top rates by about 1% recently. Despite that, I still keep maintain active accounts there because I use them as my central hub connecting all my many different bank accounts with fast transfers and a clear schedule of exactly when the money will be withdrawn and deposited.
Ally is running a $100 new account bonus by referral only (that’s mine, thanks if you use it). You must first enroll with your name and address by 12/31/25, and then using the same e-mail address open one of two possible account types (Ally Spending, Ally Savings) within 30 days of enrollment and make qualifying transfers to get the $100 bonus. You are not eligible if you are a current customer (with any Ally product), or has had any Ally account open since January 1, 2024.
Thus, my recommendation is to first open a Savings account with this offer (which works for both Savings and Checking but only works if you have no Ally accounts at all), satisfy all the requirements, and then after do this different bonus on your first Checking (allows you to have other Ally accounts).
Here are the details for the Savings Account. Taken from full terms and conditions [pdf].
Ally Bank Savings Account
1. Once your Savings Account is open, setup (within your new account) a monthly automated recurring transfer of any amount and have it start within 30 days of account opening.
2. Complete an automated recurring transfer at least once a month for at least three months in a row.
3. Your $100 Welcome Bonus will be deposited within 30 days of receiving your third consecutive monthly recurring transfer. To be paid, make sure you keep your Savings Account open and in Good Standing through the Payout Date.
What do they mean by “automated recurring transfer”? I tried it out in my Ally account it just means setting up as little as a $1 transfer every month into your savings account. You can connect an external bank account to fund the transfer.
Overall, the requirements are pretty easy for a $100 bonus and it has useful characteristics noted above. I personally use this account nearly every week to manage my interbank transfers. I even hit their maximum limit of 20 linked external accounts.
Ally Bank Checking (Spending Account): $300 Bonus w/ Direct Deposit
Bonus is back, now $300. Ally Bank has a new checking account promotion for their “Spending Account”. You must open your first Spending Account by 11/18/2025 and use the promo code GET300, fund it within 30 days of opening, and set up qualifying direct deposits of at least $1,000 a month for two consecutive months. Your first monthly qualifying direct deposit(s) totaling at least $1,000 must post to your Spending Account within 60 days of when you open the account. You’ll then get a $300 bonus within 30 days of the qualifying direct deposits.
If you don’t have an Ally Spending account already but are using their Savings account, this is a good bonus to grab. If you don’t have an Ally Savings account yet, I would open a Savings first grabbing this $100 bonus (which works for both Savings and Checking and only works if you have no Ally accounts at all), satisfy all the requirements, and then after do this bonus on your first Checking (allows you to have other Ally accounts).
Spending Account mini-review. Their Spending Account is solid but nothing extraordinary – a checking account with no monthly fees, no minimums, online bill payments, ATM rebates up to $10 per statement cycle, but it only pays a sad 0.10% APY interest on balances up to $15k and 0.25% APY on balances above $15k. However, it does pair well if you already use the Ally Savings Account. You can set an Ally Savings account to be the automatic (and free) backup funding source if you overdraft the Spending account. You can also have multiple Savings Accounts (useful when they enforced the six withdrawals per month limit). So when Ally was my primary account, I would keep a very minimal amount in my Spending Account, a bigger amount in Savings Account #1 as overdraft backup, and another bigger amount in Savings #2 or Savings #3 or No Penalty CD or whatever.
All deposits would go straight into Savings #1, earning higher interest right away. You can even do mobile check deposit directly into Savings. Bill Pay must come out of Spending/Checking, but all of my 5-10 payments would be scheduled on say the 2nd of the month. (You can request to shift each of your credit card due dates to match up.) I would then schedule a big transfer from Savings #1 to Spending/Checking on the 1st of the month. If a random withdrawal hits my Spending/Checking, it would just trigger an auto-withdrawal from Savings #1. The result: maximum interest earned from Savings and minimal idle cash in Spending/Checking.
While I have used my Ally Bank accounts regularly for years due to their well-designed bank-to-bank transfer service and overall solid customer service, the Ally Savings APY has been lagging during this period of interest rate hikes, usually 1% APY behind the rate leaders. Most of my idle cash has moved into money market mutual funds (like VUSXX or FDLXX) and Treasury bonds, both earning me at least 1% APY more on an after-tax basis due to my local state income tax deduction.
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