Existing Ally customers who open their first Ally Invest self-directed Traditional or Roth IRA between March 31 and July 31, 2026 can earn a 3.5% match on contributions made by December 31, 2026. The match is paid as interest within 90 days of each contribution settling, and both the contribution and match must stay in the account for 24 months.
Eligibility
Available nationwide
No state restrictions on this offer.
No hard credit pull
Opening this account does not post a hard inquiry.
How to get the Ally Bank Self-Directed IRA bonus
- Open your first Ally Invest self-directed Traditional or Roth IRA between 3/31/2026 and 7/31/2026.
- Fund the account with an eligible cash contribution by 12/31/2026.
- Keep the contribution settled in the account for at least 90 days to trigger the match.
- Hold the contribution and match in the account for at least 24 months.
The fine print that matters
- Only existing Ally Bank, Ally Auto, or Ally Invest customers who have never had an Ally Invest IRA are eligible.
- Only Traditional and Roth IRAs qualify; rollover IRAs, robo IRAs, SIMPLE IRAs, personal advice IRAs, and inherited IRAs are excluded.
- Eligible contributions must be cash only via ACH, Ally transfer, wire, or check; rollovers, transfers, recharacterizations, and conversions do not count.
- Match is paid as interest earned within 90 days of contribution settlement and does not count toward annual IRA contribution limits.
- Contributions and match must remain in the account for a 24-month holding period.
- Match is capped based on IRS annual contribution limits ($7,500 under 50, $8,600 age 50+ for 2026).
- Account must be open and in good standing with no restrictions or holds when the match is paid.
- Ally employees are not eligible.
- Ally reserves the right to modify or terminate the offer at any time.
Verification and reports
Confirmed against ally.com on Jul 19, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: ally.com offer page (checked Jul 19, 2026)
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