✓Deposit at least $10,000 within 14 days of account opening
✓Maintain deposits for 90 days from first deposit date
✓Optional: Set up recurring deposit within 14 days to earn additional bonus
✓Minimum deposit $10,000 within 14 days of account opening
✓Maintain deposit for 90 days from first deposit date
✓Optional: Set up recurring deposit within 14 days and execute at least 2 times within 90 days for additional bonus
✓Minimum $10,000 initial deposit to qualify for any bonus
✓Initial deposit must be initiated between June 1, 2026 and July 31, 2026
✓Funds must be maintained at partner banks on Raisin platform for 90 days
✓Optional: Recurring deposit setup within 14 days with at least 2 executions within 90 days to earn additional bonus
✓Minimum $10,000 deposit within 14 days
✓Promo code SUMMER26 must be entered at sign-up
✓First deposit initiated between June 1, 2026 and July 31, 2026
✓Balance maintained for 90 days
✓Optional: set up 2+ recurring deposits within 90 days for additional bonus
✓Minimum $10,000 deposit to qualify for bonus
Restrictions
⚠New customers only
⚠Promo code SUMMER26 required at sign-up
⚠Available to new Raisin customers
⚠Promo code SUMMER26 required
⚠One bonus per customer
⚠May not be combined with other bonus offers
⚠May not be combined with any other bonus offers
⚠Promo code SUMMER26 must be entered at sign-up
⚠Cannot be combined with any other bonus offers
⚠Must use promo code SUMMER26 at sign-up
⚠First deposit must be initiated between June 1, 2026 and July 31, 2026 by 11:59 PM ET
⚠Cannot be combined with other bonus offers
⚠US customers only
⚠First deposit must be initiated between June 1, 2026 and July 31, 2026
⚠Promo code SUMMER26 must be entered at time of sign-up
⚠Code SUMMER26 required at time of sign-up
⚠One account per person
⚠One per household/member
⚠Limited to one bonus per member
Fees
$0 platform fee
No account maintenance fees
$0 account fee
$0 platform fees
$0 account maintenance fee
No platform fees
$0 monthly service fees
$0 account opening fees
$0 account closing fees
No platform or maintenance fees
No account opening or closing fees
No account fees
No monthly service fees
No maintenance fees
No minimum balance requirements
$0 account maintenance fees
$0 platform/maintenance fees
No monthly account maintenance fees
No fees on deposits or withdrawals
$0 minimum balance requirement
$0 platform maintenance fee
$0 maintenance fee
$0 platform or maintenance fees
No withdrawal fees
No account opening fees
No account closing fees
$0 account opening fee
$0 monthly maintenance fee
$0 platform/maintenance fee
Early withdrawal penalty on fixed-term CDs only
$0 account fees
$0 maintenance fees
$0 account closing fee
Early withdrawal penalties may apply to fixed-term CDs only
$0 platform/account fees
$0 withdrawal fee
No monthly account fees
No monthly maintenance fees
$0 monthly service fee
$0 closing fee
$0 account opening/closing fees
No platform or account fees
$0 account management fees
Recurring Deposit Bonus requires at least two recurring deposits completed within first 90 days
Bonus tier is determined by initial qualifying deposit; additional recurring deposits do not increase tier
Funds held at partner banks with FDIC insurance up to $250,000 per depositor
Bonus may not be combined with other offers
Raisin is a platform, not a bank; funds are held at federally insured partner banks
Additional recurring deposit bonus available in addition to base bonus
Cannot be combined with other bonus offers
Deposits held at FDIC-member banks and NCUA-insured credit unions
Raisin is not an FDIC or NCUA-insured institution
Recurring Deposit Bonus is paid in addition to Base Bonus
Bonus amount determined by initial deposit tier; recurring deposit cannot qualify for higher tier bonus
Bonus credited to Raisin Cash Account
Bonus is tiered based on initial deposit amount
Raisin is not an FDIC-insured bank; deposits are held at partner FDIC-member banks and NCUA-insured credit unions
Raisin is a financial platform, not a bank; deposits are held by partner FDIC-member banks and NCUA-insured credit unions
Deposits are eligible for FDIC/NCUA insurance up to $250,000 per institution, per depositor
Withdrawing funds before 90-day hold period ends will disqualify customer from bonus
Raisin may modify or end offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of terms
For recurring deposits: customers can earn $10 (with $100+ recurring at $10K tier), $25 ($250+), $50 ($500+), $100 ($1,000+), or $200 ($2,000+)
Raisin may modify or end offer at any time and may withhold bonuses for fraud or violation of terms
Bonuses are treated as taxable income
Base Bonus tiers: $50 for $10K–$24.9K, $125 for $25K–$49.9K, $250 for $50K–$99.9K, $500 for $100K–$199.9K, $1,000 for $200K+
Recurring Deposit Bonus (optional, in addition to Base Bonus): $10–$200 depending on deposit tier; requires recurring deposit within 14 days executed at least 2 times in 90 days
Raisin is a financial platform, not a bank; deposits held at 100+ partner FDIC-insured banks and NCUA-insured credit unions
Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.
Deposit at least $10,000 within 14 days of account opening
Maintain deposits for 90 days from first deposit date
Optional: Set up recurring deposit within 14 days to earn additional bonus
Minimum deposit $10,000 within 14 days of account opening
Common pitfalls
New customers only
Promo code SUMMER26 required at sign-up
Available to new Raisin customers
Promo code SUMMER26 required
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 $1,500 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $1,200 sign-up bonus, $50 referral share, $100 cashback portal component for a total displayed potential of $1,350. Confirm which apply path you use before assuming every component stacks.
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 Raisin High-Yield Savings Bonus expire?
Raisin High-Yield Savings Bonus expires on August 30, 2026.
✓Deposit must be initiated within 14 days of account opening
✓Maintain deposited funds at partner banks on Raisin platform for 90 days
✓For recurring deposit bonus: set up recurring deposit within 14 days of initial deposit; recurring deposit must execute at least twice within 90 days
✓Funds must be deposited within 14 days of initial deposit date
✓Balance must be maintained for 90 days
✓Optional: Recurring deposits (2+ within 90 days) can unlock additional Recurring Deposit Bonus
✓Deposit between $10,000 and $24,999 or more within 14 days of account opening
✓Maintain deposited funds for 90 days
✓Optional: Set up recurring deposit within 14 days of initial deposit to earn additional bonus
✓Minimum $10,000 deposit to qualify for base bonus
✓Funds must be maintained for 90 days with partner banks
✓Optional: Set up recurring deposits within 14 days and execute at least 2 times within 90 days to earn additional recurring bonus ($10-$200 depending on tier)
✓Deposit minimum of $10,000 within 14 days of opening
✓Maintain deposit for 90 days from initial deposit date
✓Enter promo code SUMMER26 at time of sign-up
✓Minimum $10,000 deposit within 14 days of account opening
✓Funds must be maintained on Raisin platform for 90 days
✓Optional: Set up recurring deposits within 14 days to earn additional bonus ($10-$200 depending on tier)
✓Minimum initial deposit: $10,000
✓Funds must be maintained for 90 days
✓Optional: Set up recurring deposits (at least 2 within 90 days) to earn additional recurring bonus
✓Use promo code SUMMER26 at sign-up
✓First deposit must be initiated between June 1, 2026 and July 31, 2026 by 11:59 PM ET
✓Additional funds must be deposited within 14 days of initial deposit
✓Funds must be maintained with partner banks on Raisin platform for 90 days
✓Optional: set up recurring deposits within 14 days that execute at least twice within 90 days to earn additional bonus
✓Minimum deposit of $10,000 within 14 days
✓Deposit must be maintained for 90 days
✓Optional: Set up recurring deposits within 14 days (executes at least 2 times within 90 days) to earn additional bonus
✓Enter promo code SUMMER26 at sign-up
✓Initial deposit between $10,000 and $200,000+ to qualify for tiered base bonus
✓Deposit and maintain funds for 90 days from initial deposit date
✓Optional: Set up recurring deposits (at least 2 within 90 days) to earn additional recurring deposit bonus
✓Deposit $10,000 or more within 14 days
✓Maintain deposit for 90 days
✓For recurring bonus: set up recurring deposits within 14 days that execute at least twice within 90 days
✓Deposit $10,000 or more within 14 days of opening
✓First deposit must be initiated between June 1, 2026 and July 31, 2026
✓Minimum initial deposit of $10,000
✓Deposit within 14 days of account opening
✓Maintain deposit(s) for 90 days with partner banks on Raisin platform
✓Optional: Set up recurring deposit within 14 days and execute at least 2 times within 90 days to earn additional bonus
✓Deposit $10,000 minimum to qualify for any bonus
✓Deposit must be made within 14 days of account opening
✓Funds must be maintained for 90 days from initial deposit date
✓For recurring deposit bonus: set up recurring deposit within 14 days and execute at least 2 times within 90 days
✓Must use promo code SUMMER26 at sign-up
✓Initial deposit must be initiated between June 1, 2026 and July 31, 2026 by 11:59 PM ET
✓Optional: Set up recurring deposit within 14 days of initial deposit that executes at least twice within 90 days to earn additional bonus
✓Deposit and maintain funds via promo code SUMMER26
✓Minimum $10,000 deposit for base bonus
✓Funds must remain on platform for 90 days
✓Optional: Set up recurring deposits within 14 days to earn additional bonus
✓Minimum deposit of $10,000 within 14 days of account opening
✓Optional: Set up recurring deposit within 14 days (executes at least 2 times in 90 days) to earn additional bonus
✓Minimum deposit of $10,000 to be eligible
✓Funds must be maintained for 90 days at partner banks on Raisin platform
✓Optional: set up recurring deposits within 14 days to earn additional bonus tier
✓Deposit must be initiated between June 1, 2026 and July 31, 2026
✓Funds must be maintained on platform for 90 days
✓Minimum $10,000 deposit within 14 days of account opening to qualify for base bonus
✓Optional: Set up recurring deposits within 14 days (minimum $100–$2,000 depending on tier) that execute at least twice within 90 days to earn recurring deposit bonus
✓Deposit via promo code SUMMER26
✓Minimum $10,000 deposit
✓Deposit amount within 14 days of account opening
✓Maintain deposited funds for 90 days at partner banks on Raisin platform
✓Promo code SUMMER26 required at time of sign-up
✓Maintain deposit for 90 days with partner banks on Raisin platform
✓Optional: Set up recurring deposit within 14 days (minimum 2 executions within 90 days) to earn additional recurring deposit bonus
✓Minimum deposit of $10,000 to qualify for bonus
✓Deposits must be initiated within 14 days of account opening
✓Funds must be maintained on Raisin platform for 90 days after initial deposit
✓Recurring deposit bonus: optional recurring deposit of $100+ must be set up within 14 days and execute at least twice within 90 days
✓Deposit total of $10,000 or more within 14 days
✓Optional: Set up recurring deposits (2+ times within 90 days) to earn additional bonus
✓Minimum $10,000 deposit to qualify for any bonus
✓Recurring deposits must be set up within 14 days of initial deposit and execute at least twice within 90 days to earn Recurring Deposit Bonus
✓Minimum $10,000 initial deposit
✓Promo code SUMMER26 required at sign-up
✓Funds must be maintained for 90 days from first deposit date
✓Optional: set up recurring deposit within 14 days of initial deposit to earn additional bonus (executes at least 2 times within 90 days)
✓Deposit minimum $10,000 within 14 days of account opening
✓For maximum bonus: set up recurring deposits (minimum $100–$2,000 depending on tier) within 14 days, executing at least twice within 90 days
✓Deposit $10,000 or more within 14 days of account opening
✓Optional: Set up recurring deposits (2+ within 90 days) to earn additional bonus tier match
✓Optional: Set up recurring deposits (minimum $100–$2,000 depending on tier) executed at least twice within 90 days to earn additional recurring deposit bonus
✓Minimum $10,000 initial deposit within 14 days of account opening to qualify for any bonus
✓Funds must be maintained on the Raisin platform for 90 days
✓Optional: Set up recurring deposits (2+ executions within 90 days) to earn additional Recurring Deposit Bonus
✓Minimum initial deposit of $10,000 to qualify for any bonus
✓Deposit must be initiated between June 1, 2026 and July 31, 2026 by 11:59 PM ET
✓Recurring deposit bonus: optional, requires setting up recurring deposit within 14 days that executes at least twice within 90 days
✓Deposit must be initiated between June 1–July 31, 2026, by 11:59 PM ET
✓Funds must be deposited within 14 days of account opening
✓Deposit must be maintained with partner banks on Raisin platform for 90 days
✓Optional: Set up recurring deposit within 14 days that executes at least 2 times within 90 days to earn additional bonus
✓Maintain deposit balance for 90 days from first deposit date
✓Optional: Set up recurring deposit within 14 days (executes at least twice within 90 days) to earn additional bonus up to $200 depending on tier
✓Optional: Set up recurring deposit within 14 days (executes at least 2 times within 90 days) to earn additional bonus
✓Minimum $10,000 deposit to qualify
✓Deposit and maintain balance for 90 days from first deposit date
✓Deposit funds within 14 days of initial deposit
✓Minimum initial deposit of $10,000 within 14 days of account opening
✓Optional: Set up recurring deposits within 14 days (at least 2 executions in 90 days) to unlock additional bonus
✓Deposit and maintain minimum amount per tier within 14 days of initial deposit
✓Maintain deposits for 90 days from initial deposit date
✓Minimum $10,000 deposit required for bonus eligibility
✓Funds must be maintained on Raisin platform for 90 days from first deposit date
✓Optional: Set up recurring deposits to earn additional bonus
✓Maintain deposited funds for 90 days from first deposit date
✓For recurring deposit bonus: set up recurring deposit within 14 days of initial deposit; must execute at least 2 times within 90 days
✓First deposit must be initiated between June 1, 2026 and July 31, 2026, by 11:59 PM ET
✓Deposit a total of $10,000 or more within 14 days of account opening
✓Maintain deposited funds for 90 days from initial deposit date
✓For maximum bonus: set up recurring deposit within 14 days (optional, but required for recurring bonus)
✓First deposit must be initiated between June 1, 2026, and July 31, 2026, by 11:59 PM ET
✓Recurring deposits (optional): 2+ deposits within 90 days to qualify for additional tier bonus
✓Deposit initiated between June 1, 2026 and July 31, 2026
✓Optional: Set up recurring deposit within 14 days (executes 2+ times in 90 days) for additional $10-$200 bonus
✓Optional recurring deposit required within 14 days to earn recurring deposit bonus: executes at least 2 times within 90 days
✓Optional: Set up recurring deposits to earn additional bonus ($10–$200 depending on tier)
✓Maintain deposited funds with partner banks on Raisin platform for 90 days
✓To earn recurring deposit bonus: set up recurring deposits within 14 days that execute at least 2 times within 90 days
✓Maintain balance for 90 days from initial deposit date
✓Optional: Set up recurring deposit within 14 days of initial deposit (executes at least 2 times within 90 days) to earn additional recurring deposit bonus of $10-$200 depending on tier
✓For recurring deposit bonus: set up recurring deposit within 14 days of initial deposit that executes at least 2 times within 90 days
✓Deposit funds within 14 days of account opening
✓Maintain balance for 90 days from first deposit date
✓Optional: Set up recurring deposit within 14 days of initial deposit (must execute at least 2 times within 90 days) to earn additional bonus
✓For recurring deposit bonus: set up recurring deposits within 14 days and execute at least 2 times within 90 days
✓Deposit $10,000 minimum within 14 days of opening
✓For full max bonus: set up recurring deposits within 14 days that execute at least twice within 90 days
✓Deposit and maintain minimum qualifying funds for 90 days
✓First deposit must be initiated by June 30, 2026
✓Deposit and enter code SUMMER26 at sign-up
✓First deposit must be initiated between June 1, 2026 and June 30, 2026
✓Deposit amount within 14 days to qualify
✓Maintain qualifying deposit for 90 days with partner banks
✓First deposit must be initiated between June 1–June 30, 2026
✓Funds must be deposited and maintained for 90 days
✓Minimum $10,000 deposit within 14 days of first deposit
✓Optional: Schedule 2+ recurring deposits within 90 days to earn bonus boost (up to additional $200)
✓Deposit $10,000 minimum within 14 days of initial deposit
✓Maintain deposit for 90 days at partner banks on Raisin platform
✓Optional: Set up recurring deposits within 14 days to earn additional Recurring Deposit Bonus (must execute at least 2 times within 90 days)
✓Deposit funds within 14 days of opening account
✓Use promo code FRESHSTART at sign-up
✓First deposit must be initiated between April 1, 2026, and May 31, 2026, by 11:59 PM ET
✓Deposit at least $10,000 within 14 days of opening account
✓US customers only
✓Deposit funds with partner banks via Raisin platform
✓Deposit $10,000 minimum to qualify
✓Enter promo code FRESHSTART at sign-up
✓Promo code FRESHSTART at sign-up
✓Minimum deposit per tier ($10,000 minimum)
✓First deposit must be initiated between April 1 and April 30, 2026, by 11:59 PM ET
✓Use promo code FRESHSTART
Maximum combined bonus with recurring deposit is $1,200 at highest tier
Bonus is calculated as base bonus plus optional recurring deposit bonus
Maximum of $1,200 includes both base and recurring bonuses
Bonus cash credited to Raisin Cash Account
Offer available to new customers only
Raisin may modify or end offer at any time
An additional Recurring Deposit Bonus is available by setting up recurring deposits within 14 days that execute at least twice within 90 days
Recurring Deposit Bonus tiers: $10 ($100+ recurring at $10K tier), $25 ($250+ at $25K tier), $50 ($500+ at $50K tier), $100 ($1,000+ at $100K tier), $200 ($2,000+ at $200K tier)
Deposits are held at FDIC-member banks and NCUA-insured credit unions, not held by Raisin
Bonus treated as income for tax purposes
One bonus per customer
The $1,200 maximum requires depositing $200,000 or more plus optional recurring deposits
Bonus tiers shown are base bonus only; total can reach $1,200 with optional recurring deposit bonus
Raisin is not a bank; deposits are held at FDIC-member banks and NCUA-insured credit unions
All deposits are eligible for FDIC or NCUA insurance up to $250,000 per institution per depositor
Bonus is taxable income; Raisin will issue Form 1099-INT
Withdrawal before 90-day hold period forfeits bonus but does not affect accrued interest
Deposits must settle within the partner bank/credit union, which typically takes 1-2 business days
Raisin is a platform; funds are held by partner FDIC-insured banks and NCUA-insured credit unions
Up to $200 additional recurring deposit bonus available when setting up recurring deposits of $100+ within 14 days (bonus tier-dependent)
Deposits must be held with partner banks/credit unions on Raisin platform, not with Raisin directly
FDIC or NCUA insurance coverage up to $250,000 per institution per depositor
Bonus applies to both high-yield savings accounts and CDs
The Recurring Deposit Bonus is paid in addition to the Base Bonus
Customers can choose their recurring bonus tier or any tier below it
Raisin is not a bank; funds are held at FDIC-member banks and NCUA-insured credit unions
Raisin is not a bank; deposits are held at FDIC-insured partner banks and NCUA-insured credit unions
FDIC/NCUA insurance up to $250,000 per institution per depositor
Bonuses are taxable income and will be reported on Form 1099-INT
Raisin is not a bank; deposits are held at FDIC-insured partner banks and credit unions
Only funds deposited within 14 days of initial deposit date are eligible
Recurring deposit bonus tier is limited to your base bonus tier or lower
Bonus may be withheld or revoked in cases of fraud, abuse, or violation of terms
Deposits must remain on the platform for the full 90-day period to qualify
Bonus amount determined by initial deposit tier; can select matching tier or lower
Bonus credited to Raisin Cash Account within 30 days
Bonuses are taxable income (Form 1099-INT issued)
Recurring deposit bonus available (optional): $10-$200 depending on tier, up to maximum $1,200 combined with base bonus
Recurring deposit must be established within 14 days and execute at least twice within 90 days
Bonus is paid to Raisin Cash Account
Deposits held at FDIC-member banks or NCUA-insured credit unions
Raisin is not a bank; it is a financial platform providing access to accounts at 100+ FDIC-member banks and NCUA-insured credit unions
Deposits are held directly with partner banks/credit unions and are FDIC/NCUA insured up to $250,000 per institution per depositor
Withdrawing funds before 90-day hold period ends will disqualify from cash bonus (but earned interest is unaffected)
Raisin may modify or end offer at any time and may withhold/revoke bonuses in cases of fraud, abuse, or violation of terms
Base Bonus tiers listed above
Recurring Deposit Bonus available: up to $200 additional when setting up recurring deposits of $100+ (varies by tier)
Total bonus shown ($1,200) includes both base bonus and maximum recurring deposit bonus
Bonus paid in addition to earned interest
Deposits are held at FDIC-insured partner banks and credit unions, not directly with Raisin
Raisin is not a bank but a financial platform
Customers can choose their matching recurring bonus tier or any lower tier
Recurring deposit bonus eligibility determined by Base Bonus tier; customers can earn the bonus tier matching their deposit or any lower tier
Bonus cash credited to Cash Account within 30 days of meeting all qualifying terms
Raisin is a financial platform (not a bank); deposits held at FDIC-insured partner banks and NCUA-insured credit unions
Base Bonus tier is determined by initial deposit amount
Bonus bonuses are treated as income and taxable
Early withdrawal before 90-day period forfeits cash bonus (interest earned is unaffected)
Deposits held directly with FDIC-member banks and NCUA-insured credit unions
Minimum opening deposit is $1, but $10,000 required for bonus eligibility
Base Bonus and optional Recurring Deposit Bonus available simultaneously
Recurring deposit must execute at least twice within 90 days to qualify for additional bonus
Bonus is credited to Raisin Cash Account
Raisin is not an FDIC-insured bank; deposits held at partner banks/credit unions with FDIC/NCUA insurance up to $250,000 per institution per depositor
Optional Recurring Deposit Bonus available: set up recurring deposits within 14 days that execute at least twice within 90 days for additional $10-$200 bonus depending on tier
Bonus paid to Raisin Cash Account, not the savings account itself
Deposits are held at FDIC-member banks and NCUA-insured credit unions, not at Raisin
Raisin is a financial platform, not a bank
Bonus is based on tier and amount deposited
Deposits are held with partner banks/credit unions (FDIC/NCUA insured)
Raisin is not a bank; it is a financial platform
Optional recurring deposit bonus available: set up 2+ recurring deposits within first 90 days to earn additional $10-$200 based on tier
Funds held at FDIC-member banks and NCUA-insured credit unions
Recurring Deposit Bonus available as optional add-on: set up recurring deposits within 14 days that execute at least twice within 90 days for additional $10-$200 depending on tier
Deposits held at partner banks and credit unions, not with Raisin; FDIC/NCUA insured
Raisin is a platform, not a bank
Deposits are held at FDIC-member banks and NCUA-insured credit unions, insured up to $250,000 per institution per depositor
Raisin is not a bank and does not hold customer funds directly
Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of terms
Bonus cannot be combined with any other bonus offers
Only applies to new customers; existing Raisin customers are ineligible
Recurring deposits must be at least the minimum for your base tier or lower (cannot exceed your base tier amount to qualify for a higher recurring bonus)
Raisin is not a bank; deposits are held at FDIC-insured partner banks or NCUA-insured credit unions
Bank bonuses are taxable income; Raisin will issue Form 1099-INT
Deposits are FDIC/NCUA insured up to $250,000 per institution per depositor
Balance must be maintained at or above tier minimum for full 90-day period to qualify
All deposits held at FDIC-insured partner banks and credit unions
Bonus subject to modification or cancellation at Raisin's discretion
Raisin may withhold or revoke bonuses in cases of fraud, abuse, or violation of terms
Customer may choose matching recurring bonus tier or any tier below
Withdrawing before 90-day hold period ends forfeits the bonus
Offer may be modified or ended at any time
Deposits held directly with partner banks (FDIC insured up to $250,000)
Most transfers settle in 1–2 business days
Recurring Deposit Bonus paid in addition to Base Bonus
Deposits are held at FDIC-insured banks and NCUA-insured credit unions
Maximum recurring deposit bonus: $10 (for $10K tier) to $200 (for $200K+ tier)
Bonuses are taxable income reported on Form 1099-INT
Raisin is not a bank; it is a financial platform connecting customers to partner banks and credit unions
FDIC/NCUA insurance covers up to $250,000 per depositor per institution; Raisin network covers up to $10M when spread across institutions
Raisin is a savings platform aggregator, not a bank. Deposits are held at FDIC-insured partner banks or NCUA-insured credit unions.
Maximum opening deposit is $1, but $10,000 minimum is required to be bonus-eligible.
Recurring Deposit Bonus is paid in addition to Base Bonus.
Customers may not exceed their matching tier for recurring deposits (e.g., cannot exceed $200 recurring bonus with deposits over $200,000).
Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of terms.
Bonus will be credited to customer's Raisin Cash Account
Raisin is not a bank; deposits are held at FDIC-insured banks or NCUA-insured credit unions
Each institution provides up to $250,000 FDIC/NCUA coverage per depositor
Raisin may modify or end offer at any time and may withhold or revoke bonuses for fraud, abuse, or violation of terms
Raisin is not a bank but a financial platform; deposits are held at FDIC-member banks and NCUA-insured credit unions
Bonuses are treated as taxable income and reported on Form 1099-INT
Raisin reserves the right to deny bonuses for fraud, abuse, or violation of terms
Raisin is a financial platform, not a bank; deposits are held at FDIC-member banks and NCUA-insured credit unions
Deposits up to $250,000 per depositor per institution are FDIC/NCUA insured
Funds must be deposited and maintained for the full 90-day period; early withdrawal forfeits the bonus
Funds must be deposited within 14 days of initial deposit date and maintained for 90 days to qualify for base bonus
Recurring deposit bonus determined by base bonus tier and aggregate recurring deposit amounts
Bonus cash credited directly to Raisin Cash Account
Base bonus amounts vary by deposit tier; totals include both base and optional recurring deposit bonus
Recurring deposit bonus requires setting up recurring deposit within 14 days that executes at least twice within 90 days
Funds must remain maintained for full 90-day period to avoid forfeiture of bonus
Bonus is taxable income
Raisin is a platform - deposits held at FDIC-member banks and NCUA-insured credit unions
Bonus includes optional recurring deposit bonus (additional $10–$200 depending on tier) when setting up recurring deposits of specified amounts within 14 days that execute at least twice within 90 days
Maximum bonus reaches $1,200 when combining base bonus ($1,000 at $200K+ deposit) with recurring deposit bonus ($200)
Bonus cash credited directly to Cash Account within 30 days of meeting all terms
Recurring Deposit Bonus adds $10–$200 depending on tier and recurring deposit amount
Maximum combined bonus (base + recurring) is $1,200 when $200,000+ is deposited with recurring deposits
Funds must be deposited within 14 days of initial deposit date
Bonus is credited to Raisin Cash Account, not directly to partner bank account
Only new funds qualify for bonus
Recurring Deposit Bonus available (additional $10-$200 based on tier and recurring deposits of $100-$2,000+)
Funds held at FDIC-insured partner banks or NCUA-insured credit unions
Pass-through FDIC/NCUA insurance up to $250,000 per institution per depositor
Only new funds deposited within 14 days of initial deposit date are eligible
Deposits held by FDIC-insured banks and NCUA-insured credit unions
Raisin is not itself FDIC or NCUA insured
Recurring Deposit Bonus available: deposit within 14 days and set up recurring deposits (at least 2 within 90 days) for additional bonus
Bonus is paid in addition to earned interest
All deposits held at FDIC-member banks and NCUA-insured credit unions
Deposits eligible for FDIC/NCUA insurance up to $250,000 per institution per depositor
Bonus is tiered based on deposit amount
Raisin is a financial platform, not a bank; deposits held at FDIC-insured partner banks and NCUA-insured credit unions
Bonus amounts are taxable income
Bonus may be withheld or revoked for fraud, abuse, or violation of terms
Recurring Deposit Bonus available: additional $10-$200 based on tier with recurring deposits of $100-$2,000 or greater
Only funds deposited within 14 days and maintained for 90 days are eligible
Bonus credited to Cash Account within 30 days of meeting requirements
Funds must be maintained with partner banks on Raisin platform for 90 days to qualify
Early withdrawal forfeits bonus but does not affect interest earned
Recurring deposit bonus tier determined by initial deposit tier, but customer may choose matching tier or any lower tier
First deposit must be initiated between June 1, 2026 and July 31, 2026 by 11:59 PM ET
Customers can choose matching recurring bonus tier or any tier below it
Raisin may modify or end this offer at any time
Deposits held directly with partner FDIC-member banks and NCUA-member credit unions
Maximum FDIC/NCUA insurance is $250,000 per depositor per institution
Funds must be new funds (not held in Raisin platform within 30 days prior)
Raisin may modify, end, or withhold bonus in cases of fraud, abuse, or violation of terms
Deposits are held at FDIC-member banks and NCUA-insured credit unions
Maximum bonus of $1,200 when combining base bonus ($1,000) with recurring deposit bonus ($200)
Recurring deposit must execute at least 2 times within 90 days to qualify for additional bonus
Bonus credited to Raisin Cash Account within 30 days of meeting all terms
Deposit held at federally insured partner banks (FDIC/NCUA protected up to $250,000 per institution)
Withdrawals before 90-day hold period ends will disqualify the bonus
Bonus includes both Base Bonus and optional Recurring Deposit Bonus
Deposits are held at FDIC-insured partner banks, eligible for FDIC insurance up to $250,000 per institution
Raisin is not a bank; it is a financial platform that partners with 100+ banks and credit unions
Bonus is taxable income; Form 1099-INT will be issued
Bonus tiers shown are base bonuses; additional recurring deposit bonuses available ($10-$200 per tier when recurring deposit requirements met)
Maximum base bonus is $1,000 (for $200,000+ deposits); maximum recurring bonus is $200 (for $200,000+ tier); total maximum up to $1,200
Only funds deposited within 14 days of initial deposit date and maintained for 90 days eligible for base bonus
Recurring deposit bonus determined by base bonus tier and aggregate recurring deposit amount
Raisin is not a bank but a savings marketplace platform
Funds are held at FDIC-member banks or NCUA-insured credit unions
Recurring deposit bonus amounts vary by tier ($10-$200 depending on deposit tier and recurring deposit requirements)
Bonuses are taxable income; Raisin will issue Form 1099-INT
Deposits are held at FDIC-insured partner banks and credit unions, not by Raisin itself
Raisin is a platform facilitating access to partner banks' products, not a bank issuer
Recurring deposit bonus amounts vary by tier and require recurring deposits of specific minimums ($100+ at $10K tier, $250+ at $25K tier, $500+ at $50K tier, $1,000+ at $100K tier, $2,000+ at $200K tier)
Deposits held at FDIC-member banks and NCUA-insured credit unions, insured up to $250,000 per institution
Additional recurring deposit bonus available: $10-$200 depending on tier when setting up recurring deposits within 14 days that execute at least twice within 90 days
Optional: Can add up to $200 more with recurring deposit bonus (bringing max to $1,200 with base + recurring)
Raisin is not a bank; deposits held at FDIC-insured partner banks/NCUA-insured credit unions
TopCashback bonus is not currently available as of June 2026
Bonus tiers include base bonus + optional recurring deposit bonus
Funds must be maintained at tier minimum for full 90-day period to qualify
Withdrawals before 90-day hold ends disqualify from bonus
Bonus is taxable income reported on Form 1099-INT
Deposits held at FDIC-member banks and NCUA-insured credit unions with pass-through insurance up to $250,000 per institution
The Recurring Deposit Bonus is paid in addition to the Base Bonus (optional)
Customers can earn additional recurring deposit bonuses ($10-$200 depending on tier) by setting up recurring deposits within 14 days of initial deposit
Recurring Deposit Bonus available for additional deposits within first 14 days (up to $200 additional)
Bonus paid to Cash Account within 30 days of meeting requirements
Raisin may modify or end offer at any time and may withhold/revoke bonuses for fraud or abuse
Bonus is paid in base tier plus optional recurring deposit bonus when recurring deposits are set up within 14 days and execute at least 2 times within 90 days
Recurring bonus tier matches or is lower than base deposit tier
Available nationwide on FDIC-member banks and NCUA-insured credit unions
Raisin is a platform, not a bank—deposits held by partner banks/credit unions with FDIC/NCUA insurance up to $250,000 per institution
Bonus is treated as income and subject to taxes
Optional recurring deposit bonus available when 2+ recurring deposits made within first 90 days
Bonus can be stacked with TopCashback portal bonus ($200-$250 depending on deposit tier)
Additional recurring deposit bonus available if customer schedules 2+ recurring deposits within first 90 days
Bonus credited to Raisin Cash Account, not directly to partner bank
Deposits held at FDIC-member banks (up to $250,000 per institution) or NCUA-insured credit unions
TopCashback portal bonus ($200+) is separate and stacks with direct Raisin bonus when using cashback portal link
Bonus cash credited to Cash Account, not the deposit account
Funds must be held at partner FDIC-insured banks or NCUA-insured credit unions
Deposits are pass-through insured up to $250,000 per depositor per institution
Raisin may modify or end offer at any time; may withhold/revoke bonuses for fraud, abuse, or TOS violations
Bonus determined by total amount deposited within first 14 days
Additional deposits after initial 14-day funding window will not increase bonus
Raisin may modify or end this offer and may withhold or revoke bonuses in cases of fraud or violation of terms
Only funds deposited within 14 days of initial deposit date and maintained for 90 days are eligible
Raisin is not a bank; deposits held at FDIC-member banks or NCUA-insured credit unions
Deposits insured up to $250,000 per institution per depositor
Bonus subject to modification or termination at Raisin's discretion
Bonus amount determined by deposit tier—if balance falls below tier minimum during 90-day hold, bonus drops to lower tier
Only funds deposited within 14 days of initial deposit count toward bonus tier
Funds held with FDIC/NCUA-insured partner banks
TopCashback bonus ($250) is a separate portal bonus, not a direct Raisin offer
Raisin may modify or end this offer and may withhold bonuses for fraud, abuse, or violation of terms
Bonus is taxable income and will be reported on Form 1099-INT
Funds held at FDIC-insured banks or NCUA-insured credit unions
