Note: Terms state ‘This offer is only available to existing Ameriprise customers and employees of Ameriprise Financial, Inc. and its affiliates during the offer period. ‘ and also ‘Customers who have previously received any Ameriprise The checking account bonus does not qualify for this offer. And customers who have previously received any Ameriprise The bank savings account bonus does not qualify for this offer.’
Offer at a glance
- Maximum bonus amount: 900 dollars
- Availability: On a national scale
- Direct deposit required: Yes, $1,500+ within 90 days
- APY: 3.05%
- Hard/soft pull: Gentle pull
- ChexSystems: Unknown
- Credit card financing: ANY
- Monthly fees: ANY
- Early account closure fee: Unknown
- Family boundary: None listed
- Expiration date: June 30, 2026
Offers
- Ameriprise Financial offers a checking and savings bonus of up to $1,400. Divided as follows:
- Earn $400 when you open a new checking account and make qualifying direct deposits of $1,500 or more within 90 days of account opening.
- Earn up to $1,000 when you open a new savings account and make the minimum deposit within 30 days and keep it for 90 days:
- $25,000 – $49,999.99 and earn $350
- $50,000 – $99,999.99 and earn $650
- $100,000 or more and earn $1,000
Fine Press
- To receive the checking bonus offer: 1) Open a checking account between July 1, 2026 and December 29, 2026 and 2) Make qualifying direct deposit(s) into your checking account of at least $1,500 within 90 calendar days of account opening.
- See full terms. To receive the savings bonus offer: 1) Open a savings account between July 1, 2026 and December 29, 2026 and 2) Make eligible deposits of $25,000 or more within 30 calendar days of account opening and maintain that balance or more for 90 calendar days.
- Customers who have previously received any Ameriprise The checking account bonus does not qualify for this offer.
- Customers who have previously received any Ameriprise Bank savings account bonus is not eligible for this offer.
- All bank account bonuses are treated as income/interest and as such you must pay tax on them
Avoidance of fees
Monthly fees
This account has no monthly fees to worry about
Early account termination fee
Not sure if there is any EATF.
Our verdict
Normally the terms say you must have been an existing customer by X date, I don’t see that this time but it’s possible I’m missing it. These bonuses are fairer than normal, and usually the checking bonus needs a recurring direct deposit and the savings offer needs funds held for a certain date, which means you have to set the time when you open the account. This time you savings bonus requires the funds to be held for 90 days and the checking bonus requires $1,500 in direct deposits (can be single or multiple, but doesn’t require them every month).
Bonus levels have an annual return as follows:
- $350 bonus: 5.8%
- $650 bonus: 5.38%
- $1000 bonus: 4.12%
However, the savings account earns 3.05% in addition to the above. Last time this was offered, you would have earned $900 for completing the lowest savings level and check bonus, so this new bonus is lower ($750 total). This is still worth doing and we will add to our list of best bank account bonuses.
Hat tip to the reader Anant
Useful posts about bank bonuses:
