What makes this bank offer different
This bank offer is best compared on fee exposure, balance requirements, and how long the account must remain open after payout.
Bank
E*TRADE Premium Savings Bonus — Up to $800
Sign up for E*TRADE Premium Savings Bonus and earn up to $800 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $20,000-$99,999 | $400 |
| $100,000+ | $800 |
Hold Period
45 days (maintenance period after 30-day funding period)
Qualifying Period
30 days from account opening
Payout
Within 30 days following the end of the 45-day maintenance period (approximately 105 days from account opening)
Requirements
- ✓Open new Premium Savings Account by January 10, 2027
- ✓Use promo code SAVE800 at account opening
- ✓Deposit $20,000-$99,999 in qualifying new money within 30 days for $400 bonus, OR $100,000+ for $800 bonus
- ✓Maintain average daily balance meeting the deposit tier through 45-day maintenance period (days 31-75)
- ✓Promo code SAVE800 at account opening
- ✓Minimum $20,000 deposit of qualifying new money within 30 days
- ✓Net-new funds only (cannot transfer from other E*TRADE accounts)
- ✓Maintain average daily balance during 45-day maintenance period
- ✓Open account by January 10, 2027
- ✓Deposit $20,000+ net-new funds within 30 days of opening
- ✓Maintain minimum balance throughout 45-day hold period
- ✓Deposit minimum $20,000 of qualifying new money within 30 days of account opening
- ✓Maintain average daily balance of at least $20,000 for 45 additional days after funding period
- ✓Enter promo code SAVING26 at account opening
- ✓Account opened from June 5, 2026 12:00 AM ET through September 30, 2026 8:45 PM ET
- ✓Open new Premium Savings Account
Restrictions
- ⚠New Premium Savings Account only — existing accounts ineligible
- ⚠Promo code SAVE800 required at account opening
- ⚠U.S. residents only, non-U.S. residents excluded
- ⚠One per customer at a time; lifetime maximum of two bonus offers per customer
- ⚠Net-new funds only (excluding transfers from other e*TRADE or Morgan Stanley accounts)
- ⚠New Premium Savings Account only
- ⚠One per customer (lifetime maximum of two PSA cash bonus offers)
- ⚠Valid for U.S. residents only
- ⚠Not valid for Checking, Max-Rate Checking, IRA, or non-IRA Brokerage accounts
- ⚠One account per customer (lifetime max of two PSA cash bonus offers)
- ⚠New funds only — transfers from other e*TRADE accounts do not qualify
- ⚠Non-U.S. residents and restricted jurisdictions excluded
- ⚠Excludes non-U.S. residents and residents of jurisdictions where offer is not valid
- ⚠Not valid for Checking, Max-Rate Checking, line of credit, IRA, or non-IRA Brokerage accounts
- ⚠Promo code SAVING26 required at account opening
- ⚠One bonus per newly opened account (lifetime limit of 2 bonuses per customer)
- ⚠Funds must be net-new from external sources; transfers from existing E*TRADE accounts do not qualify
Fees
- $0 monthly account fee
- $0 account fee
- No monthly account fee
- No monthly account fees
- No monthly maintenance fee
- No minimum balance required to maintain account
- $0 minimum deposit to open account
- No monthly fees
- $0 minimum opening deposit
- No minimum balance requirement to maintain account
- Bonus paid at the lower tier if deposit tier does not match maintenance balance tier
- Account must remain open and in good standing to receive bonus
- 4.25% promotional APY for 6 months from account opening (separate benefit, no minimum deposit required for the rate)
- Premium Savings Account is offered by Morgan Stanley Private Bank, National Association, Member FDIC
- Bonus paid within 30 days after maintenance period (approximately 105 days from account opening)
- 4.25% promotional APY for 6 months (promotional rate)
- Interest credited to account and then transferred out counts as an outflow against net-new funds
- If account balance falls below deposit requirement during maintenance period, bonus is forfeited
- Maximum eligible deposit balance: $10,000,000 for boosted APY rate
- 4.00% APY promotional rate for 6 months from account opening, then reverts to base rate
- Balances up to $10,000,000 qualify for promotional rate; balances exceeding $10,000,000 earn base rate
- Account offered by Morgan Stanley Private Bank, National Association, Member FDIC
- Bonus treated as income and subject to tax reporting (1099 form)
- Also includes 4.00% APY promotional rate for 6 months on balances up to $10,000,000
- After 6-month promotional period, account reverts to standard variable rate
- Bonus treated as income/interest for tax purposes
- Unlimited, penalty-free access to funds
- Offered by Morgan Stanley Private Bank, National Association, Member FDIC
- 4.00% APY promotional rate for six months from account opening date
- Funds transferred from existing E*TRADE or Morgan Stanley accounts do not count toward the $20,000 requirement
- Bonus is treated as income and subject to taxes
- Bonus treated as income and subject to taxes
- Account also earns 4.00% APY for 6 months from account opening
- Bonus forfeited if balance falls below $20,000 during maintenance period
- Cannot be combined with other PSA cash bonus offers
- Promotional code SAVING26 is for single use only
ExpiredOffer expired January 9, 2027
Last updated October 19, 2026
Saved source PDFs
Aug 11, 2026Change detected
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Aug 4, 2026
How to evaluate E*TRADE Premium 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
- 30 days from account opening
- Payout timeline
- Within 30 days following the end of the 45-day maintenance period (approximately 105 days from account opening)
- Hold period
- 45 days (maintenance period after 30-day funding period)
How to qualify
- Open new Premium Savings Account by January 10, 2027
- Use promo code SAVE800 at account opening
- Deposit $20,000-$99,999 in qualifying new money within 30 days for $400 bonus, OR $100,000+ for $800 bonus
- Maintain average daily balance meeting the deposit tier through 45-day maintenance period (days 31-75)
Common pitfalls
- New Premium Savings Account only — existing accounts ineligible
- Promo code SAVE800 required at account opening
- U.S. residents only, non-U.S. residents excluded
- One per customer at a time; lifetime maximum of two bonus offers per customer
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 E*TRADE Premium Savings Bonus expire?
E*TRADE Premium Savings Bonus expires on January 9, 2027.
How long do I have to qualify for E*TRADE Premium Savings Bonus?
The qualifying period listed for E*TRADE Premium Savings Bonus is 30 days from account opening.
