Bank

Ameriprise Financial Checking & Savings Bonus — Up to $900

Bonus Tiers

Deposit	Bonus
Checking: $2,000/month direct deposits for 4 months; Savings: $25,000	$900 total ($300 checking + $300 savings + $300 combo)

Hold Period

Through September 30, 2026

Qualifying Period

Direct deposits and savings deposits must be made by June 30, 2026

Payout

By March 31, 2027

Requirements

✓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
✓Maintain balance through September 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
✓Maintain daily savings balance equal to or greater than April 7, 2026 balance plus $25,000 through September 30, 2026
✓First qualifying direct deposit must be made during offer period (April 8 - June 30, 2026)
✓Direct deposits from employer, payroll, pension or government via ACH only; peer-to-peer transfers, check deposits, wire transfers do not qualify
✓$2,000 or more in qualifying direct deposits each month for 4 consecutive months (checking bonus)
✓$25,000 or more in eligible deposits to savings account (savings bonus)
✓Set up qualifying direct deposits of $2,000+ per month for 4 consecutive months (checking)
✓Deposit at least $25,000 to savings account during offer period
✓Maintain daily balance equal to or greater than April 7, 2026 balance plus $25,000 through September 30, 2026 (savings)
✓Direct deposits must be from employer, payroll, pension, or government benefits via ACH
✓Set up direct deposits of at least $2,000 per calendar month for minimum 4 consecutive calendar months to checking account
✓Make eligible deposits totaling $25,000+ to savings account during offer period
✓Maintain daily balance equal to or greater than April 7, 2026 balance plus $25,000 eligible deposits through September 30, 2026
✓No existing direct deposit arrangement during March 2026 for checking bonus
✓Checking Bonus: Set up and maintain Qualifying Direct Deposits totaling at least $2,000 per calendar month for 4 consecutive calendar months ($8,000 total); first deposit must be during Offer Period
✓Savings Bonus: Make Eligible Deposits totaling $25,000+ during Offer Period from external accounts
✓Meet all requirements for both Checking and Savings to earn the extra $300 bonus
✓$25 minimum opening deposit for Checking Account
✓$100 minimum opening deposit for Savings Account
✓Checking: Set up and maintain at least $2,000 in qualifying direct deposits per calendar month for 4 consecutive months (minimum $8,000 total)
✓Savings: Make $25,000+ in eligible deposits during Offer Period
✓Savings: Maintain daily balance equal to or greater than April 7, 2026 balance plus $25,000 through September 30, 2026
✓Qualifying direct deposits must be from employer, payroll, pension, or government benefits via ACH
✓For $300 Checking Bonus: Direct deposits totaling at least $2,000 per calendar month for 4 consecutive calendar months (total $8,000); first deposit during offer period
✓For $300 Savings Bonus: Make eligible deposits totaling $25,000+ during offer period; maintain daily balance through September 30, 2026
✓For $300 Extra Bonus: Meet both checking and savings bonus requirements
✓Savings Bonus: Deposit $25,000+ in eligible deposits during offer period; maintain daily balance through Sept 30, 2026
✓Checking Bonus: Set up qualifying direct deposits totaling $2,000+ per calendar month for 4 consecutive calendar months ($8,000 total)
✓No existing direct deposit arrangement in checking account during March 2026 (for checking bonus)
✓Checking Bonus: Set up qualifying direct deposits totaling at least $2,000/month for 4 consecutive calendar months ($8,000 total), with first deposit during offer period (April 8 - June 30, 2026)
✓Maintain daily balance through September 30, 2026 equal to or greater than balance on April 7, 2026, plus $25,000 of eligible deposits
✓Direct deposits must be from employer, payroll, pension, or governmental benefits via ACH
✓Ameriprise Bank Savings Account requires $100 minimum opening deposit
✓Ameriprise Bank Checking Account requires $25 minimum opening deposit

Restrictions

⚠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
⚠One of each bonus per customer
⚠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
⚠Existing clients of Ameriprise Financial only (as of April 7, 2026)
⚠Checking bonus only available if no existing direct deposit arrangement during March 2026
⚠One bonus per customer per account type
⚠Only available to existing Ameriprise Financial clients as of April 7, 2026
⚠Checking bonus requires no existing direct deposit arrangement during March 2026
⚠Existing Ameriprise Financial clients only as of April 7, 2026
⚠Limit of one of each bonus per customer
⚠Checking Account must not have existing direct deposit during March 2026
⚠One bonus per customer (per taxpayer ID) for each account type
⚠Accounts must be open and in good standing when bonus credits
⚠One of each bonus offer per customer
⚠Accounts must remain open and in good standing at time bonus is credited
⚠Existing Ameriprise Financial customers only (as of April 7, 2026)
⚠Account must remain open and in good standing when bonus is credited
⚠One of each bonus per customer per taxpayer ID
⚠Account must be open and in good standing at time of bonus credit
⚠No abuse, gaming or fraud

Fees

$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)

Offer valid April 8, 2026 through June 30, 2026
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
Limit of one of each bonus offer per customer based on taxpayer ID
Fraud, abuse, or gaming of offers results in forfeiture of bonus eligibility
Bonus will be reported as interest income on IRS Form 1099-INT
Ineligible deposits: check deposits, P2P transfers (Venmo, Zelle), merchant transactions, wire transfers, internal transfers
Company reserves right to modify or withdraw bonus offers without notice
Ineligible if engaged in abuse, gaming, or fraud
Eligible deposits must come from external accounts outside Ameriprise Bank, FSB and affiliates
Direct deposits must be from employer, payroll, pension, or government benefits via ACH
Bonus reported as interest on IRS 1099-INT
Qualifying direct deposits must be from employer/payroll/pension/government via ACH
Accounts must remain open and in good standing at time of bonus credit
Direct deposits cannot include check deposits, P2P transfers (Venmo, Zelle), merchant transactions, or wire transfers
Eligible deposits exclude internal Ameriprise transfers but include external accounts and brokerage redemptions credited within 7 business days

Sign-Up Bonus

$900

View Promo Terms →

Offer expires June 29, 2026

Last updated June 12, 2026

Discussion

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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.

More bank bonuses →Maximize bank bonuses →Direct deposit bonus guide →

Qualification checklist

Timing

Qualifying period: Direct deposits and savings deposits must be made by June 30, 2026
Payout timeline: By March 31, 2027
Hold period: Through September 30, 2026

How to qualify

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
Maintain balance through September 30, 2026
First qualifying direct deposit must be received during offer period

Common pitfalls

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

What makes this offer different

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.

Bonus value versus similar offers

The sign-up bonus is below the current nearby $2,250 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 June 29, 2026.

How long do I have to qualify for Ameriprise Financial Checking & Savings Bonus?

The qualifying period listed for Ameriprise Financial Checking & Savings Bonus is Direct deposits and savings deposits must be made by June 30, 2026.

When does Ameriprise Financial Checking & Savings Bonus pay out?

The payout timeline listed for Ameriprise Financial Checking & Savings Bonus is By March 31, 2027.

How long do I need to keep funds or the account for Ameriprise Financial Checking & Savings Bonus?

The hold period listed for Ameriprise Financial Checking & Savings Bonus is Through September 30, 2026.

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Deposit

Bonus

Checking: $2,000/month direct deposits for 4 months; Savings: $25,000

$900 total ($300 checking + $300 savings + $300 combo)

Requirements

✓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

✓Maintain balance through September 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

✓Maintain daily savings balance equal to or greater than April 7, 2026 balance plus $25,000 through September 30, 2026

✓First qualifying direct deposit must be made during offer period (April 8 - June 30, 2026)

✓Direct deposits from employer, payroll, pension or government via ACH only; peer-to-peer transfers, check deposits, wire transfers do not qualify

✓$2,000 or more in qualifying direct deposits each month for 4 consecutive months (checking bonus)

✓$25,000 or more in eligible deposits to savings account (savings bonus)

✓Set up qualifying direct deposits of $2,000+ per month for 4 consecutive months (checking)

✓Deposit at least $25,000 to savings account during offer period

✓Maintain daily balance equal to or greater than April 7, 2026 balance plus $25,000 through September 30, 2026 (savings)

✓Direct deposits must be from employer, payroll, pension, or government benefits via ACH

✓Set up direct deposits of at least $2,000 per calendar month for minimum 4 consecutive calendar months to checking account

✓Make eligible deposits totaling $25,000+ to savings account during offer period

✓Maintain daily balance equal to or greater than April 7, 2026 balance plus $25,000 eligible deposits through September 30, 2026

✓No existing direct deposit arrangement during March 2026 for checking bonus

✓Checking Bonus: Set up and maintain Qualifying Direct Deposits totaling at least $2,000 per calendar month for 4 consecutive calendar months ($8,000 total); first deposit must be during Offer Period

✓Savings Bonus: Make Eligible Deposits totaling $25,000+ during Offer Period from external accounts

✓Meet all requirements for both Checking and Savings to earn the extra $300 bonus

✓$25 minimum opening deposit for Checking Account

✓$100 minimum opening deposit for Savings Account

✓Checking: Set up and maintain at least $2,000 in qualifying direct deposits per calendar month for 4 consecutive months (minimum $8,000 total)

✓Savings: Make $25,000+ in eligible deposits during Offer Period

✓Savings: Maintain daily balance equal to or greater than April 7, 2026 balance plus $25,000 through September 30, 2026

✓Qualifying direct deposits must be from employer, payroll, pension, or government benefits via ACH

✓For $300 Checking Bonus: Direct deposits totaling at least $2,000 per calendar month for 4 consecutive calendar months (total $8,000); first deposit during offer period

✓For $300 Savings Bonus: Make eligible deposits totaling $25,000+ during offer period; maintain daily balance through September 30, 2026

✓For $300 Extra Bonus: Meet both checking and savings bonus requirements

✓Savings Bonus: Deposit $25,000+ in eligible deposits during offer period; maintain daily balance through Sept 30, 2026

✓Checking Bonus: Set up qualifying direct deposits totaling $2,000+ per calendar month for 4 consecutive calendar months ($8,000 total)

✓No existing direct deposit arrangement in checking account during March 2026 (for checking bonus)

✓Checking Bonus: Set up qualifying direct deposits totaling at least $2,000/month for 4 consecutive calendar months ($8,000 total), with first deposit during offer period (April 8 - June 30, 2026)

✓Maintain daily balance through September 30, 2026 equal to or greater than balance on April 7, 2026, plus $25,000 of eligible deposits

✓Direct deposits must be from employer, payroll, pension, or governmental benefits via ACH

✓Ameriprise Bank Savings Account requires $100 minimum opening deposit

✓Ameriprise Bank Checking Account requires $25 minimum opening deposit

Restrictions

⚠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

⚠One of each bonus per customer

⚠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

⚠Existing clients of Ameriprise Financial only (as of April 7, 2026)

⚠Checking bonus only available if no existing direct deposit arrangement during March 2026

⚠One bonus per customer per account type

⚠Only available to existing Ameriprise Financial clients as of April 7, 2026

⚠Checking bonus requires no existing direct deposit arrangement during March 2026

⚠Existing Ameriprise Financial clients only as of April 7, 2026

⚠Limit of one of each bonus per customer

⚠Checking Account must not have existing direct deposit during March 2026

⚠One bonus per customer (per taxpayer ID) for each account type

⚠Accounts must be open and in good standing when bonus credits

⚠One of each bonus offer per customer

⚠Accounts must remain open and in good standing at time bonus is credited

⚠Existing Ameriprise Financial customers only (as of April 7, 2026)

⚠Account must remain open and in good standing when bonus is credited

⚠One of each bonus per customer per taxpayer ID

⚠Account must be open and in good standing at time of bonus credit

⚠No abuse, gaming or fraud

Fees

$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)

Qualification checklist

Timing

Qualifying period: Direct deposits and savings deposits must be made by June 30, 2026
Payout timeline: By March 31, 2027
Hold period: Through September 30, 2026

How to qualify

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
Maintain balance through September 30, 2026
First qualifying direct deposit must be received during offer period

Common pitfalls

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