What makes this bank offer different
This is a bank-bonus fit for users who can satisfy a deposit rule quickly; the key comparison point is whether the required deposit type matches your normal cash flow.
Bank
Ameriprise Financial Checking & Savings Bonus — Up to $1,400
Sign up for Ameriprise Financial Checking & Savings Bonus and earn up to $1,400 in bonus rewards.
See all Ameriprise Financial offers →
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $25,000 | $300 |
Hold Period
Through September 30, 2026
Qualifying Period
By June 30, 2026 for initial deposit/direct deposit setup
Payout
By March 31, 2027
Requirements
- ✓Checking: $2,000 minimum direct deposits per month for 4 consecutive months
- ✓Savings: $25,000 minimum deposit
- ✓Maintain balance through September 30, 2026
- ✓Checking: Set up and maintain qualifying direct deposits totaling at least $2,000 per calendar month for 4 consecutive months (first deposit must be during offer period)
- ✓Savings: Deposit $25,000 or more during offer period and maintain balance through September 30, 2026
- ✓Must maintain balance as of April 7, 2026 in addition to $25,000 in savings
- ✓Set up qualifying direct deposits of $2,000 or more per month for 4 consecutive months into checking account
- ✓Deposit $25,000 in eligible deposits into savings account by June 30, 2026
- ✓First qualifying direct deposit must be received during offer period
- ✓Set up qualifying direct deposits of at least $2,000 per calendar month for minimum 4 consecutive months (total $8,000) to Checking
- ✓Deposits must be from employer, payroll, pension or governmental benefits via ACH
- ✓Deposit at least $25,000 to new or existing Savings Account during offer period
- ✓Maintain Savings balance through September 30, 2026
- ✓Set up and maintain Qualifying Direct Deposits ($2,000/month minimum for 4 consecutive months) to new or existing checking account
- Make eligible deposits totaling $25,000+ to new or existing savings account during offer period
Restrictions
- ⚠Existing Ameriprise customers only as of April 7, 2026
- ⚠One of each bonus per customer
- ⚠New customers only (no existing direct deposit in checking account during March 2026)
- ⚠Existing Ameriprise customer as of April 7, 2026 required
- ⚠Checking account requires $25 minimum opening deposit
- ⚠Savings account requires $100 minimum opening deposit
- ⚠Existing Ameriprise Financial customers only as of April 7, 2026
- ⚠One of each bonus per customer per taxpayer identification
- ⚠Checking account must not have existing direct deposit arrangement as of March 2026
- ⚠Accounts must be open and in good standing when bonus credited
- ⚠Existing clients of Ameriprise Financial and its affiliates as of April 7, 2026 only
- ⚠Checking account must not have existing direct deposit arrangement during March 2026
- ⚠Accounts must be open and in good standing when bonus is credited
- ⚠Existing Ameriprise Financial clients as of April 7, 2026 only
- ⚠One of each bonus offer per customer per taxpayer ID
- ⚠Limit of one bonus offer per checking account without existing direct deposit arrangement (as of March 2026)
- ⚠Account must remain open and in good standing at time bonus is credited
Fees
- $0 account fee for both checking and savings
- $0 monthly maintenance fee on Checking Account
- $0 monthly maintenance fee on Savings Account
- $0 monthly maintenance fee
- $0 account maintenance fee
- $0 monthly maintenance fee for Checking Account
- $100 minimum opening deposit for savings
- $25 minimum opening deposit for checking
- $0 monthly maintenance fee (checking)
- Bonus reported as interest on 1099-INT
- Must remain in good standing to receive bonus
- Offer valid April 8, 2026 through June 30, 2026
- $900 bonus requires completing BOTH checking and savings bonus requirements
- Qualifying direct deposits must be from employer, payroll, pension, or governmental benefits provider via ACH
- Ameriprise reserves the right to modify or withdraw bonus offers without notice
- Abuse, gaming, or fraud will disqualify customer from bonus eligibility
- Eligible deposits are from external accounts only, not internal transfers
- Qualifying direct deposits must be from employer, payroll, pension, or governmental benefits via ACH
- Bonus reported as interest on 1099-INT form
- Bonus reported as interest on IRS form 1099-INT; customer responsible for taxes
- Ameriprise reserves right to modify or withdraw offers without notice
- No eligibility if abuse, gaming, or fraud is determined
- Minimum $25 opening deposit for Checking; $100 minimum for Savings
- ATM surcharge reimbursements available (up to $20/statement cycle for standard customers)
- Offer available to existing Ameriprise Financial clients only; new customer applications will not qualify
- Bonus is reported as interest income on IRS form 1099-INT
- Bank reserves right to modify or withdraw bonus offers at any time
- Accounts engaged in abuse, gaming, or fraud will forfeit bonus eligibility
- Bonus reported as interest on IRS Form 1099-INT
- Qualifying direct deposits must be from employer, payroll, pension, or government benefits via ACH
- Existing customer requirement limits eligibility
- Bonus forfeited if account closed before bonus crediting
- Checking account requires minimum $25 opening deposit
- Savings account requires minimum $100 opening deposit
- Eligible deposits exclude internal Ameriprise transfers and peer-to-peer transfers
- Bonus reported as interest on IRS Form 1099-INT; recipient responsible for taxes
Offer expires December 28, 2026
Last updated July 26, 2026
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How to evaluate Ameriprise Financial Checking & Savings Bonus
Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.
Qualification checklist
Timing
- Qualifying period
- By June 30, 2026 for initial deposit/direct deposit setup
- Payout timeline
- By March 31, 2027
- Hold period
- Through September 30, 2026
How to qualify
- Checking: $2,000 minimum direct deposits per month for 4 consecutive months
- Savings: $25,000 minimum deposit
- Maintain balance through September 30, 2026
- Checking: Set up and maintain qualifying direct deposits totaling at least $2,000 per calendar month for 4 consecutive months (first deposit must be during offer period)
Common pitfalls
- Existing Ameriprise customers only as of April 7, 2026
- One of each bonus per customer
- New customers only (no existing direct deposit in checking account during March 2026)
- Existing Ameriprise customer as of April 7, 2026 required
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,000 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
When does Ameriprise Financial Checking & Savings Bonus expire?
Ameriprise Financial Checking & Savings Bonus expires on December 28, 2026.
