Compare savings accounts with great signup bonuses |
Savings accounts that come with a signup bonus

Compare savings accounts with signup bonuses

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You can be rewarded with cash and great interest rates just for signing up.

The bonuses offered with some savings accounts can be a nice financial boost. But don’t get so caught up in the flashy short-term offers that you forget to read the fine print.

Our top pick: Chase Savings

  • Get a $150 bonus (terms apply)
  • Access 16,000 Chase ATMs and nearly 5,000 branches
  • Overdraft protection and real-time fraud monitoring

Our top pick: Chase Savings

Get a $150 bonus when you open a new Chase Savings account, deposit a total of $10,000 or more in new money within 10 business days and maintain a $10,000 balance for 90 days.

  • Use Chase QuickPay® with Zelle® to send money to friends and family easily
  • Apply online in minutes

Compare savings accounts with signup bonuses

Name Product Fee Minimum deposit to open Rewards Intro or bonus offer APY
$15 per month
(can be waived)
For new Bank7 customers only
This High Rate Online Savings Account requires a low minimum daily balance, making earning interest easy.
$1 per month
(can be waived)
$5 opening deposit is paid for you
More cash in your wallet, faster, with a High-Rate Savings Account
$10 per month
(can be waived)
Each year your first fee is waived
2.00% on balances of $100,000+
1.95% on balances of $2,500 to $99,999
Earn high yields with flexible access to your cash.
$14.95 per month
(can be waived)
Earn a 1.75% APY for the first year when you open an account with at least $100,000 transferred from another financial institution by June 28, 2019. Call 855-850-5282 or visit a financial center and mention the code 14705. The offer isn’t available for online applications.
1.01% on balances of $1,000,000+
0.70% on balances of $100,000 to $999,999.99
0.50% on balances of $10,000 to $99,999.99
Access a range of business checking solutions and a lineup of accounts that can meet the financial needs of nearly any business.
$2.99 per month
(can be waived)
When you save for three consecutive months, your account is rewarded with a 1% annualized savings bonus.
Digit analyzes your spending and automatically saves an appropriate amount every day so you don't have to think about it.
$3 per month
(can be waived)
30-day free trial
Saving for something special is fun. Qapital helps you get there faster with goals and rules. Plus, you can even team up with others to reach joint goals.
$5 per month
(can be waived)
Get a $150 bonus when you open a new Chase Savings account, deposit a total of $10,000 or more in new money within 20 business days and maintain a $10,000 balance for 90 days.
Get a $150 bonus when you open a new Chase Savings account, deposit a total of $10,000 or more in new money within 10 business days and maintain a $10,000 balance for 90 days.

Compare up to 4 providers

What is an introductory rate?

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.

always get highest rate

What features should I look for when comparing savings accounts?

  • Introductory rate. Look for an account with a high introductory interest rate that lasts for a longer period of time.
  • Minimum opening balance. Check to see how much money you need to open the account — and if there’s a minimum ongoing balance that needs to be maintained. If you’re just starting out as a new saver, you probably don’t want a high minimum.
  • Little or no fees. Some banks have monthly fees or will charge you if your account balance dips too low. Look for a fee-free account, especially if you can’t keep a high minimum balance.
  • The regular rate. After the introductory period is over, your account will drop down to the bank’s regular rate. Don’t get so caught up in flashy offers for new accounts that you choose one with a rock-bottom regular rate.
  • Signup bonuses. Some banks will offer a signup bonus of a set amount of money just for opening a new account.

What are the pros and cons of opening an introductory savings account?


  • You can finally start that savings plan. Receiving a signup bonus could be the motivation you’ve always needed to finally start saving.
  • You get more interest. The boost in interest offered as an introductory rate is a good incentive to put as much as you can into a savings account in the first few months.
  • It usually offers 24/7, flexible access. Unlike a certificate of deposit or a savings bond, a savings account usually allows you to deposit and withdraw money regularly, so you’re safe against unexpected expenses. Keep in mind that most savings accounts won’t let you withdraw more than six times per month.
  • There’s a low minimum balance. Unlike CDs and bonds, you can start your savings account with a low balance and add to it each month.


  • The introductory rate only lasts for a limited time. After the introductory period, the account will revert to a lower, standard variable rate.
  • You don’t usually get signup bonuses right away. Many banks require you to have your account open for a specified period of time before they give you your signup bonus. This prevents people from opening several accounts in one day just for the cash and then closing them the next day.
  • Easy access to your money makes it easy to spend. If you have trouble keeping your hands off your savings, a traditional savings account might not be the best option.
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Bottom line

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.

Frequently asked questions

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