Our pick for a signup bonus: Citibank® Account Package
Up to 1.05%
- Earn Citi ThankYou® Rewards Points
- Earn a $400 bonus
- Option to earn interest on your checking account
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We update and compare offers from various financial institutions at the beginning of every month and select those with the highest promotional value, regardless of minimum deposits. We include checking accounts only if there’s attached savings account requirements and we omit bonuses that are only available to a few states.
The best savings account bonuses typically have deposit requirements of at least $10,000. You’ll also need to keep your money in your account for a certain period of time. However, your reward can be a nice chunk of change and a budding relationship with a new bank.
When combing through savings account promotions, dig beyond the surface and look at the actual account details. Because once the introductory offer expires, you don’t want to be stuck with an account you don’t like. Here are some factors to consider:
Banks attract new customers by offering signup bonuses for checking and savings accounts when you open them online. Requirements vary by bank, but you’ll usually need to set up direct deposit or transfer a minimum amount of money into the account by a certain date to meet the requirements. The promotion is deposited into your account typically within 90 days.
Weigh these benefits and drawbacks before opening an account with a promotion or offer:
An introductory interest rate is a higher interest rate offered on a savings account that’s only available for a couple of months. It’s a good practice to regularly compare your savings account options to ensure you’re always getting the highest rate.
A loyalty bonus is any sort of extra perk that a financial institution offers customers who have several different account types, large balances or a long history with the bank. They can apply to savings accounts, checking accounts, CDs, credit cards and even loans. Bundling together multiple financial products and linking your accounts at the same bank is one of the most common ways to score a bonus.Back to top
An introductory offer can be the motivational boost you need to start saving. When you’re ready to open an account, take advantage of any bonuses available — but make sure it’s an account that you’ll still want when the intro period ends.
Use this table to compare savings accounts with sign-up offers and promotions.
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