Ally's running a $250 bonus for new deposits of $15k+. Hold 90 days. I've been at Wealthfront at 4.50%. Ally is at 4.00%.
Math: $250 bonus = 1.67% extra on $15k over 90 days. Plus 4.00% APY = 2.67% total for 90 days. That's about $100 in interest + $250 bonus = $350. At Wealthfront I'd earn $168 in 90 days. Net gain: $182.
I moved $15k over. Set a calendar reminder to move it back after 90 days. Read the fine print: $15k must be NEW money, not transfers from existing Ally accounts. 90-day hold starts from day of deposit.
Worth it for a one-time $182. I'll do it again if they offer it next year.