[Existing Customers Only] Ameriprise Up To $450 Checking/Savings Bonus

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• For the $200 bonus, does the $1,500 monthly DD have to be maintained (for an ending total of $7,500) or can I transfer it in/out x5 months?

• PSA:

  The promo doesn’t use the term “existing customers.”

  The promo’s only eligibility restriction is the following: “Offers are only available to existing Ameriprise clients as of ‌April‌ ‌22, ‌2025‌.”

  An Ameriprise client is a client of Ameriprise Financial, which is a financial advice and planning service, not a bank. You can be an Ameriprise client without being an owner of an Ameriprise Bank savings account.

  Therefore, if you’ve been an Ameriprise client since 4/22/25 but do not currently own an Ameriprise Bank savings account, you are still eligible for the promo.

• how to open the Ameriprise ? have to call?

  • This is from my previous experience:

    "What I did was that I just called them, said I wanted to open their Savings, and asked them to create a client ID for me. Then I used the client ID to register for my online account and opened my savings account from there."

    Also note this clause for this promotion: "Offers are only available to existing Ameriprise clients as of April 22, 2025." If you are not an existing Ameriprise client, you may not get the bonus.

    • thanks!

• @2 ,
  This offer is for new customers as well.

  • You called and confirmed ?
    Why is everyone saying this is for existing account holders only.
    I am confused.

    • @guest_2049676
      @2
      @guest_2050016

      The promo doesn't use the terms "customer" or "existing customer" or "existing account holders."

      The promo's only eligibility restriction is the following: "Offers are only available to existing Ameriprise clients as of ‌April‌ ‌22, ‌2025‌."

      An Ameriprise client is a client of Ameriprise Financial. You can be an Ameriprise client without being an owner of an Ameriprise Bank savings account.

      Therefore, if you've been an Ameriprise client since 4/22/25 but do not currently own an Ameriprise Bank savings account, you are still eligible for the promo.

    • According to the terms, "Offers are only available to existing Ameriprise clients as of April 22, 2025."

      So technically @guest_2049676 is right that existing Ameriprise clients without a Savings account (who would be considered a new Ameriprise savings customer) are eligible.

      So it depends on how "Existing Customers" in the title is interpreted. If you are not an existing Ameriprise customer/client, you are not eligible unless that clause I cited is not enforced. @guest_2049795

      • The $450 offer works for existing savings account customers as well. I have a saving account and got this offer in email.

• I got this Ameriprise bonus offer on 4/23/25 by email.

  Compared to other savings bonus offers, 4 months is a long time to tie up $35,000 @3.10% for a mere $450 bonus ($250 + $200), especially when you might have to wait until the end of January 2026 to get the bonus.

  My Primis checking pays 4.31%. In 4 months, $35,000 in Primis will earn $512 interest. If I took $35,000 out of Primis for 4 months to fund this Ameriprise offer for a $450 bonus, Ameriprise will pay $369 interest + $450 bonus = $819, which is $307 more than I'd make if I just left the $35,000 in Primis. 

  I think I'll pass on the $250 savings bonus offer.

  But the $200 direct deposit bonus offer is easy money for little effort and doesn't tie up funds.

• Thats a similar $450 targeted offer through email for existing saving account holders which doesn't require openning a new saving account.

• I am an existing customer with no savings account. I was able to open the Savings account with Chex frozen.

• also available for existing savings customers (i received an email yesterday, detailed here: https://www.doctorofcredit.com/ameriprise-financial-350-savings-bonus/#comment-2048767), with the additional condition that you maintain whatever funds you already had on deposit with ameriprise savings as of 4/22/25 through the end of the hold period.

  • I got an email for existing saving customer too. Does it mean I can get the 450 by depositing $35000 new money and DD for 5 months into existing account instead of opening a new saving account? There is no mentioning of opening a new saving account at all in this email.

    Here's how it works:

    Earn the $250 bonus1 by depositing at least $35,000 of New Money into your account by ‌June‌ ‌30, ‌2025‌, and maintaining the balance through ‌October‌ ‌31‌, ‌2025‌.

    Earn the $200 bonus plus1 by establishing qualifying direct deposits of $1,500 or more per month by ‌June‌ ‌30‌, ‌2025‌, for at least five months.

    Or earn up to $450 when you take advantage of both offers – the choice is yours.

    Offer available through ‌June‌ ‌30‌, ‌2025‌.

    1Offer valid from ‌April‌ 23‌, ‌2025‌, to ‌June‌ 30, ‌2025‌ ("Offer Period").

    To receive the $250 Bonus Offer, you must:

    1) 

    Deposit $35,000 or more in New Money into your Ameriprise Bank Savings Account ("Account") by ‌June‌ ‌30, ‌2025‌. New Money is money that is deposited into your Account directly from external accounts outside of Ameriprise Bank, FSB and its affiliates. Deposits made by internal transfers from any other Ameriprise accounts are not eligible.

    2) 

    Additionally, through ‌October‌ ‌31, ‌2025‌, you must maintain a daily balance equal to or greater than your balance on ‌April‌ 22‌, ‌2025‌, plus the $35,000 qualifying New Money.

    To receive the $200 Bonus Offer Plus, you must:

    Set up and maintain a Qualifying Direct Deposit(s) to your Ameriprise Bank Savings Account that totals at least $1,500 each calendar month for a minimum of five consecutive calendar months (total of $7,500). Direct deposits must be set up using the Ameriprise Bank, FSB routing number and your Ameriprise Bank Savings Account number, which can be found in your savings account information at the secure site on ‌ameriprise‌.‌com‌. The first Qualifying Direct Deposit must be received during the Offer Period. Bonus Offer Plus is only available if the account does not have an existing direct deposit arrangement the month prior to the start of the Offer Period.

    Qualifying Direct Deposits are new recurring deposits from your employer, payroll, pension or governmental benefits provider via Automated Clearing House (ACH). Deposits that do not qualify for Bonus Offer Plus include but are not limited to check deposits, peer-to-peer transfers, merchant transactions and bank ACH transfers not from employers.

    For both offers, you may make multiple deposits within the Offer Period to reach the $35,000 Required Amount for the Bonus Offer and/or multiple Qualifying Direct Deposits of at least $1,500 per calendar month for Bonus Offer Plus.

    To remain eligible your Account must be open and in good standing at the time the bonus is credited to your Account. If all Bonus Offer or Bonus Offer Plus requirements are met, the appropriate bonus amount will be credited to your Account by ‌January‌ ‌31, ‌2026.‌ If you meet the criteria for both the Bonus Offer and Bonus Offer Plus you can receive both. Offers are only available to existing Ameriprise clients as of ‌April‌ ‌22, ‌2025‌.

    The bonus will be reported as interest on IRS form 1099-INT and you are responsible for any applicable taxes. Please consult your tax advisor; neither Ameriprise Bank, FSB nor its employees provide tax advice.

    Other restrictions may apply. We reserve the right to modify or withdraw the Bonus Offer and/or Bonus Offer Plus at any time without notice. If we determine that you have engaged in, or plan to engage in, abuse, gaming or fraud in connection with these offers you will not be eligible.

    The Ameriprise Bank Savings Account requires a $100 minimum opening deposit.

    • I got the same email, that’s how I interpreted it (use existing account for bonus rather than opening a new one): need to add $35k by 6/30/25 and hold that plus any funds already in the account as of 4/22/25 through 10/31/25 for the $250 new money deposit bonus, and/or set up new payroll direct deposit of $1.5k total per month by 6/30/25 and continue to receive $2.5k/month for five consecutive months ($7.5k total dd) for the $200 bonus ($450 total available). I don’t think the dd money needs to be maintained in the account through October as long as your balance stays over $35k+existing balance as of 4/22/25. I plan to start dd in May and use May/June dd to help reach the $35k, then pull July/Aug/Sept deposits out after they post each month.

• $1500 in DD per month for 5 months AND locking up $35k for 4 months? Pass

  • their savings earns 3% apy ($3.15% once the balance is $25k+) so your overall return is around 5.14-5.29% apy for the time the funds are locked up (which is better than a lot of places now)--plus you can always move the funds if there's a better offer when you're in the hold period

    • "you can always move the funds if there’s a better offer when you’re in the hold period"... Pretty sure the hold period is what it says. You need to hold it for 4 months, If I'm wrong, let me know.

      • I’m saying if you get a better offer you can always abandon this one

  • may not be too bad with a fake DD, but no DPs on which banks work so far

  • Looks like they are independent bonuses so you can do one or the other or both. The 1500 DD for 5 months seems reasonable but I agree 35k for 4 months is not.

    • They do have a 3.1% interest rate for between 25k and 50k balances. So it's not terrible.

      • Agreed though I can likely make more than 3.1% on 35k over 120 days.

    • that's a LONG time for a mere $200. this whole thing is DOA imo

      • Agree that 5 months will take a bit for the payout however scheduling a 5 month recurring payment in Wise is only a couple minutes of effort. Seems like pretty easy money for the effort required.

        • do you know Wise will work for "DD"? Uncharted territory.

        • I do not know if it will work or not. I will most likely use Wise and also push from Fidelity also to double the chances of a payout. I opened an account for P1 and P2 so want to make sure it pays out.

      • Agreed. Hard pass for me. Easy decision.

      • The $35,000.00 for 4 months equates to roughly a 4-month, 5.20% CD which isn't terribly bad and the offer may turn out to be even better around late June, (should rates fall a bit between now and then - as the $250.00 bonus might keep the offer worthwhile).

        Regarding the independent nature of the DD and balance requirements, I agree, it does look like either, or both, of the offers can be done.

        I will keep this offer bookmarked until mid-June.

        Lastly, it seems as though they no longer has a look back period for previous savings account bonus participants. I believe they had a look back period of 18 months with their last couple of savings offers, but it seems as though there is no look back period at all with this offer, which is nice.

        I closed my last savings account with them in late January 2024.

        • Rates falling is a Trump fantasy. Rates rising is more likely.