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 $900
Sign up for Ameriprise Financial Checking & Savings Bonus and earn up to $900 in bonus rewards.
See all Ameriprise Financial offers →
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $2,000/month for 4 consecutive months (checking) | $300 |
| $25,000 (savings) | $300 |
| Both checking and savings requirements met | $900 total |
Hold Period
Through September 30, 2026
Qualifying Period
Offer valid from April 8, 2026 through June 30, 2026
Payout
By March 31, 2027
Requirements
- ✓Checking bonus: Set up and maintain Qualifying Direct Deposits totaling at least $2,000 each calendar month for minimum of four consecutive calendar months (total of $8,000); first qualifying deposit during offer period
- ✓Savings bonus: Make Eligible Deposits totaling $25,000 or more during offer period; maintain daily balance through September 30, 2026 equal to balance on April 7, 2026 plus at least $25,000 of Eligible Deposits
- ✓Eligible deposits are from external accounts outside Ameriprise Bank or from brokerage redemptions credited within seven business days
- ✓Qualifying Direct Deposits must be from employer, payroll, pension, or government benefits via ACH; peer-to-peer transfers, check deposits, wire transfers, and internal transfers do not qualify
- ✓Checking: $2,000+ direct deposit per calendar month for 4 consecutive months ($8,000 total)
- ✓Savings: $25,000+ eligible deposits by June 30, 2026
- ✓Savings: Maintain daily balance equal to or greater than April 7, 2026 balance plus $25,000 through September 30, 2026
- ✓Checking: First qualifying direct deposit must be received by June 30, 2026
- ✓Savings: Eligible deposits from external accounts only (no internal Ameriprise transfers)
- ✓Checking: Set up and maintain $2,000+ qualifying direct deposits each calendar month for 4 consecutive months (total $8,000); first deposit must be made by June 30, 2026
- ✓Savings: Make $25,000+ eligible deposits by June 30, 2026; maintain daily balance >= April 7, 2026 balance plus $25,000 through September 30, 2026
- ✓For $300 extra bonus: Complete both checking and savings requirements
Restrictions
- ⚠Existing clients of Ameriprise Financial and its affiliates as of April 7, 2026 only
- ⚠Checking bonus available only if account has no existing direct deposit arrangement during March 2026
- ⚠One of each bonus offer per customer
- ⚠Account must remain open and in good standing at time bonus is credited
- ⚠Existing Ameriprise Financial clients only as of April 7, 2026
- ⚠One of each bonus offer per customer per taxpayer ID
- ⚠Checking bonus only available if no existing direct deposit arrangement in March 2026
- ⚠Account must be open and in good standing when bonus is credited
- ⚠One bonus per customer per account type
- ⚠Checking bonus only if account had no existing direct deposit arrangement in March 2026
- ⚠Accounts must remain open and in good standing at time bonus is credited
Fees
- $0 monthly maintenance fee (checking account)
- $0 monthly maintenance fee
- Bonus reported as interest on IRS Form 1099-INT
- Customer responsible for applicable taxes
- Ameriprise reserves right to modify or withdraw bonus offers at any time without notice
- Ameriprise may deny bonus eligibility if fraud, abuse, or gaming is detected
- Minimum $25 opening deposit required for checking account
- Minimum $100 opening deposit required for savings account
- Direct deposits must be from employer, payroll, pension, or government benefits via ACH only
- Cannot use peer-to-peer transfers, check deposits, wire transfers, or non-employer ACH transfers for qualifying deposits
- Ameriprise reserves right to modify or withdraw offers without notice
- Accounts subject to approval
- Qualifying direct deposits must be from employer, payroll, pension, or government benefits via ACH
- Non-qualifying deposits: check deposits, peer-to-peer transfers (Venmo/Zelle), wire transfers, merchant transactions
- Eligible savings deposits from external accounts or Ameriprise brokerage redemptions
- Offer valid April 8, 2026 through June 30, 2026 for application period
Offer expires June 29, 2026
Last updated June 26, 2026
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
- Offer valid from April 8, 2026 through June 30, 2026
- Payout timeline
- By March 31, 2027
- Hold period
- Through September 30, 2026
How to qualify
- Checking bonus: Set up and maintain Qualifying Direct Deposits totaling at least $2,000 each calendar month for minimum of four consecutive calendar months (total of $8,000); first qualifying deposit during offer period
- Savings bonus: Make Eligible Deposits totaling $25,000 or more during offer period; maintain daily balance through September 30, 2026 equal to balance on April 7, 2026 plus at least $25,000 of Eligible Deposits
- Eligible deposits are from external accounts outside Ameriprise Bank or from brokerage redemptions credited within seven business days
- Qualifying Direct Deposits must be from employer, payroll, pension, or government benefits via ACH; peer-to-peer transfers, check deposits, wire transfers, and internal transfers do not qualify
Common pitfalls
- Existing clients of Ameriprise Financial and its affiliates as of April 7, 2026 only
- Checking bonus available only if account has no existing direct deposit arrangement during March 2026
- One of each bonus offer per customer
- Account must remain open and in good standing at time bonus is credited
What makes this offer different
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 Offer valid from April 8, 2026 through 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.
