Ameriprise $350–$1,000 Savings Bonus (5.9%–7.0% Effective APY) - 2026 Review
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Bonus Tiers & Effective APY
Overview
Ameriprise's H2 2026 savings bonus is tiered by deposit: $350 for $25,000, $650 for $50,000, or $1,000 for $100,000+ in net-new money, on top of a 3.05% base APY. The offer period runs July 1 to December 29, 2026 — deposit within 30 days of opening and hold 90 days. The catch: you must already be an Ameriprise Financial client (or employee). If you are, it pairs with a $400 checking bonus for up to $1,400 combined.
Who This Savings Bonus Is Best For
Existing Ameriprise Financial clients (or employees) with $25,000+ in available cash. If you already have an Ameriprise relationship, the tiered structure rewards larger balances and the checking add-on stacks cleanly.
How to Maximize This Bonus
Open the savings account and fund it within 30 days with net-new external money at your target tier: $25k for $350, $50k for $650, or $100k+ for $1,000. Maintain the balance 90 days. At the $25k tier you'll earn $350 plus roughly $215 in interest over the hold — around 9% effective APY. Stack the companion $400 checking bonus ($1,500+ in direct deposits within 90 days) for up to $1,400 total. Open before the December 29, 2026 deadline.
Pros
Cons
How This Compares to Other Bonuses
Ameriprise's $350 on $25k (~9% effective APY) beats Capital One's $20k tier ($300 at ~9.4% is comparable), and the $650/$1,000 upper tiers reward larger balances that most savings bonuses cap out below. The catch remains existing-client status, which makes it inaccessible to most people — but if you qualify, the tiered structure plus the stackable $400 checking bonus is one of the stronger high-balance plays available.
Frequently Asked Questions
Do I need to be an existing Ameriprise client?
Yes. The offer is limited to existing Ameriprise Financial clients and employees during the July 1 – December 29, 2026 offer period. It is not open to brand-new clients, and prior Ameriprise Bank savings-bonus recipients are excluded.
What are the bonus tiers?
$350 for $25,000–$49,999, $650 for $50,000–$99,999, and $1,000 for $100,000+ in net-new money. Deposit within 30 days of opening and maintain for 90 days.
Can I stack the checking bonus?
Yes. Ameriprise pairs a $400 checking bonus ($1,500+ in direct deposits within 90 days) with the savings offer for up to $1,400 combined.
Related Bonus Reviews
Eligibility
Existing Ameriprise Financial clients and Ameriprise employees only. Prior Ameriprise Bank savings-bonus recipients are excluded. One bonus per customer. External (net-new) funds only. Offer period July 1 - December 29, 2026.
Fees
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Sources (2)
We last checked this against the bank's page on August 15, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
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What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.