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Compare savings accounts with bank loyalty programs

Get something extra for being a loyal customer.


Some banks offer extra perks to loyal customers in the form of rewards points, better interest rates and waived fees, enticing people to keep all their accounts at the same institution. But for a loyalty program to be worth it, it needs to be attached to an account you want to keep.

Compare savings accounts with loyalty programs

Name Product Fee Minimum deposit to open Rewards Intro or bonus offer APY
$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.
$1.99 per month
(can be waived)
Your first payment is free
APY not advertised
Use spare change from everyday transactions to make an extra payment toward your debt, every month.
Bank of America Advantage Savings
$8 per month
(can be waived)
15% cash back at stores, restaurants and more
A savings account that lets you earn cashback at participating retailers and rewards depending on your balance.
U.S. Bank Standard Savings Account
$4 per month
(can be waived)
This standard personal savings account allows low balances — but don’t expect a high APY.
USAA Savings
0.10% on balances of $10,000+
0.05% on balances of $0 to $9,999
No monthly service fees. No minimum balance. No hassles.
USAA Performance First Savings
1.06% on balances of $1,000,000+
1.00% on balances of $500,000 to $999,999
0.05% on balances of $0 to $10,000
No monthly service fees. No minimum balance. No hassles.

Compare up to 4 providers

What’s a loyalty bonus?

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.

Popular bank loyalty programs

Some savings accounts will give you rewards when you deposit money, link a checking account or just choose the right bank.

Bank of America Advantage Savings

This savings account comes with special offers when you link it to a Bank of America checking account, including:

  • Tiered savings accounts that let you earn higher interest rates as your balance grows
  • Up to 15% cash back on select purchases deposited into your savings account

Portfolio by Wells Fargo

This program includes checking and savings accounts. It comes with a $30 monthly fee, which can be waived if you meet certain deposit thresholds.

  • Bonus interest rates on CDs, savings accounts and select IRAs
  • Interest rate discounts on new loans and lines of credit
  • Access to the Wells Fargo Premier Banking TeamSM 24/7

Citi Accelerate Savings

Link your Citibank savings and checking accounts to get the most rewards, including:

  • Tiered savings accounts that let you earn higher interest rates as your balance grows
  • Citi ThankYou® Points when using your linked checking account

Bottom line

Opening multiple accounts with the same bank can score you loyalty bonuses to help you save. But before opening an account just for the bonus, compare other options to make sure it’s the best fit for you.

Frequently asked questions

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