Savings Bonuses · September 2026

Best savings account
bonuses in 2026

12 live offers, 6 open nationwide and 6 limited to certain states. Park cash, hit the deposit minimum, hold for the lockup window, walk away with the bonus. Ranked by effective APY so you can compare a $300-bonus-on-$25k against a $50-bonus-on-$5k apples-to-apples. Catalog last updated September 6, 2026.

🏦
Checking
Direct-deposit bonuses
💰
Savings
Park-cash bonuses + HYSA
🏢
Business
No LLC needed · 20%+ APY
📈
Brokerage
Robinhood, Webull, Public
Get notified when new bonuses drop
Weekly updates on the best bank and savings bonuses. No spam — just the offers worth doing.
New this weekSee all changes →
Union Savings Bank$506 · Sep 4Simmons Bank$900 · Sep 4Tasty Trade$100 · Sep 4Santander Bank$500 · Sep 4Bank of Hawaii$300 · Sep 4
Expiring soonSee all changes →
Wells Fargo$825 · Expires Sep 8

Savings bonuses open nationwide

See full savings rankings →

6 live offers, ranked by effective APY

How we rank these. Top picks are ranked by effective APY, which is the bonus plus interest annualized over how long your cash is tied up, and only offers with a deposit of $1,000 or more qualify. Smaller referral offers still appear in the table, because a big percentage on a $60 hold is not a real return. The Easy, Medium and Hard chip is a separate question from the order: it rates how much work the offer asks of you, from the deposit and the hold to the monthly fee and whether you can join at all.
TOP PICK
E*TRADE
$400
$20,000 hold · 85d · 12.6% eff APY
E*TRADE's Premium Savings Account pays a $400 cash bonus for depositing $20,000 within 30 days and holding it for 45 additional da…
Read full review →
Chase
$600
$15,000 hold · 130d · 11.3% eff APY
Chase's savings combo bonus delivers up to $600 in savings-related bonuses when combined with their checking offer. Park $15,000 f…
Read full review →
Alliant Credit Union
$100
$1,200 hold · 375d · 8.1% eff APY
Alliant Credit Union currently offers up to $100 through its savings promotion. The headline tier requires $1,200 and keeps the fu…
Read full review →
Capital One
$300
$20,000 hold · 115d · 7.8% eff APY
Capital One's 360 Performance Savings bonus pays up to $1,500 for depositing and maintaining $100,000 in new funds for about 105 d…
Read full review →
Ameriprise
$350
$25,000 hold · 130d · 7.0% eff APY
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 mo…
Read full review →
6 of 6 shown
#BankBonusMin depositHoldEff. APYFeeExpiresGo
1E*TRADE
Hard
$20,000 of your own money
no early close fee
$400
checked Jul 27
$20,00085d12.6%$0Sep 30Offer ↗
2Chase
Hard
$15,000 of your own money
no early close fee
$600
checked Jul 27
$15,000130d11.3%$0Oct 14Offer ↗
3Alliant Credit Union
Hard
Your money is tied up about 375 days
no early close fee
$100
checked Jul 27
$1,200375d8.1%$0Dec 31Offer ↗
4Capital One
Hard
$20,000 of your own money
no early close fee
$300
checked Jul 27
$20,000115d7.8%$0No end dateOffer ↗
5Ameriprise
Hard
$25,000 of your own money
no early close fee
$350
checked Jul 27
$25,000130d7.0%$0Dec 29Offer ↗
6Ally
Medium
Your money is tied up about 100 days
no early close fee
Under $1,000 deposit
$100
checked Jul 27
$60100d611.6%$0Dec 31Offer ↗

Savings bonuses in specific states

6 live offers from regional banks and credit unions

Same deal as above, limited to where the bank operates. Filter by your state, or open the state pages for everything available where you live.

6 of 6 shown
#BankBonusMin depositHoldEff. APYFeeExpiresStatesGo
1Santander Bank
Medium
$2,000 to deposit and leave
$25 early close
$300
checked Sep 4
$2,000100d54.8%$10No end dateNH, MA, +7 moreOffer ↗
2TD Bank
Hard
Your money is tied up about 130 days
no early close fee
$200
checked Jul 29
$10,000130d7.6%$0Sep 30CT, DC, +14 moreOffer ↗
3Hancock Whitney
Medium
$5,000 to deposit and leave
no early close fee
$100
checked Jul 27
$5,000100d7.3%$0Feb 28AL, FL, +3 moreOffer ↗
4Wintrust Bank
Hard
$15,000 of your own money
no early close fee
$200
checked Jul 27
$15,000130d4.7%$5No end dateIL, FL, +3 moreOffer ↗
5Seacoast Bank
Hard
$15,000 of your own money
no early close fee
$200
checked Jul 27
$15,000130d3.8%$0Dec 31FL, GAOffer ↗
6Bank of Hawaii
Hard
Your money is tied up about 160 days
$70 early close
$75
checked Sep 4
$5,000160d3.4%$0No end dateHIOffer ↗

What's a savings bonus, really?

The mental model that makes ranking these straightforward

A savings bonus is just a bank renting your cash. You park a minimum balance for a fixed lockup window — usually 60 to 180 days — and they pay you a flat bonus on top of whatever base APY the account earns. Effective APY annualizes the whole return so a $400-bonus-on-$25k for 90 days (around 6.4% eff. APY) is comparable to a $200-bonus-on-$10k for 60 days (around 12.2% eff. APY).

These are usually less work than checking bonuses — no direct deposit, no debit transactions, often no fees. The catch is they need real cash. If you have an emergency fund or down-payment savings sitting in a HYSA earning 4%, rotating it through these every quarter can easily 2–3× your yield.

Most savings bonuses are one-and-done per lifetime at each bank, so the sequence matters — take the biggest absolute payouts first, then move to high-APY churnable banks. Stacks OS does this sequencing automatically.

Looking for brokerage bonuses?

Brokerage cash bonuses (Robinhood, Webull, Public, Tastytrade) use the same playbook

12 live brokerage offers
Same mechanic — deposit cash, hold for X days, collect the bonus. SIPC-insured, no stock-purchase requirement on most.
See brokerage bonuses →
Stop tracking bonuses in a spreadsheet

Stacks OS builds a personalized sequence based on your paycheck, tracks every bonus you've done, and tells you exactly what to do next. 273 bonuses, one dashboard.

See your projected earnings →
Free to track every bonus. Pro adds the sequencer.