Note: Terms say ‘This offer is only available to existing Ameriprise clients and employees of Ameriprise Financial, Inc. and its affiliates during the Offer Period. ‘ and also ‘Clients who have previously received any Ameriprise Bank Checking Account bonus are not eligible for this offer. And Clients who have previously received any Ameriprise Bank Savings Account bonus are not eligible for this offer.’
Offer at a glance
- Maximum bonus amount: $900
- Availability: Nationwide
- Direct deposit required: Yes, $1,500+ within 90 days
- APY: 3.05%
- Hard/soft pull: Soft pull
- ChexSystems: Unknown
- Credit card funding: None
- Monthly fees: None
- Early account termination fee: Unknown
- Household limit: None listed
- Expiration date: June 30, 2026
Contents
The Offer
- Ameriprise Financial is offering a checking & savings bonus of up to $1,400. Broken down as follows:
- Earn $400 when you open a new checking account and set up 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 deposit the minimum within 30 days and maintain 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
The Fine Print
- To receive the checking bonus offer: 1) Open a Checking Account from July 1, 2026, to December 29, 2026, and 2) Set up qualifying direct deposit(s) into your Checking Account of at least $1,500 within 90 calendar days of account opening.
- See full terms and conditions. To receive the savings bonus offer: 1) Open a Savings Account from July 1, 2026, to December 29, 2026, and 2) Make eligible deposits totaling $25,000 or more within 30 calendar days of account opening and maintain that balance or more for 90 calendar days.
- Clients who have previously received any Ameriprise Bank Checking Account bonus are not eligible for this offer.
- Clients who have previously received any Ameriprise Bank Savings Account bonus are not eligible for this offer.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
This account has no monthly fees to worry about
Early Account Termination Fee
Unsure if there is any EATF.
Our Verdict
Normally the terms say you must have been an existing customers by X date, I don’t see that this time but possible I’m missing it. These bonuses are more straight forward than normal as well as normally the checking bonus needs a recurring direct deposit and the savings offer needs funds maintained for a certain date, meaning you need to time when you open the account. This time you the savings bonus just requires funds be held for 90 days and checking bonus requires $1,500 in direct deposits (can be single or multiple but doesn’t require them each month).
Bonus tiers have an annualized return as follows:
- $350 bonus: 5.8%
- $650 bonus: 5.38%
- $1,000 bonus: 4.12%
Savings account does earn 3.05% in addition to the above as well though. Last time this was offered you’d earn $900 for completing the lowest savings tier and the checking bonus so this new bonus is lower ($750 total). This is still worth doing and we will add to our list of the best bank account bonuses.
Hat tip to reader Anant
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
