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
Raisin Savings Bonus — Up to $1,200 + $75 + $100 cashback
Apply to Raisin Savings Bonus and earn up to $1,425 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $10,000 | $50 |
| $25,000 | $125 |
| $50,000 | $250 |
| $100,000 | $500 |
| $200,000+ | $1,000 |
Hold Period
90 days
Qualifying Period
within 14 days of account opening
Payout
Within 30 days of meeting all requirements
Requirements
- ✓Deposit $10,000 minimum within 14 days of opening
- ✓Maintain deposit for 90 days
- ✓Enter promo code SUMMER26 at sign-up
- ✓Use promo code SUMMER26 at sign-up
- ✓Deposit minimum $10,000 within 14 days of account opening
- ✓Maintain deposited funds for 90 days from first deposit date
- ✓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
- ✓Promo code SUMMER26 must be entered at sign-up
- ✓Funds must be deposited within 14 days of initial deposit date
- ✓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
- ✓Minimum $10,000 deposit to qualify for bonus
- ✓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)
- ✓Maintain deposit for 90 days from first deposit date
- ✓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
- ✓Maintain deposits for 90 days from first deposit date
- ✓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)
- ✓Deposit funds within 14 days of account opening
- ✓Minimum $10,000 deposit
- ✓Deposit within 14 days of account opening
- ✓First deposit must be initiated between April 1 and April 30, 2026, by 11:59 PM ET
- ✓Use promo code FRESHSTART
- ✓Maintain balance for 90 days from first deposit date
Restrictions
- ⚠New customers only
- ⚠May not be combined with any other bonus offers
- ⚠One bonus per customer
- ⚠May not be combined with other bonus offers
- ⚠Cannot be combined with other bonus offers
- ⚠Cannot be combined with any other bonus offers
- ⚠Promo code SUMMER26 required at sign-up
- ⚠US customers only
- ⚠One account per person
- ⚠One per household/member
- ⚠Limited to one bonus per member
Fees
- $0 account fees
- $0 platform fee
- $0 monthly maintenance fee
- $0 platform/account fees
- No monthly account fees
- No account opening fees
- $0 account fee
- No monthly maintenance fees
- $0 monthly service fee
- $0 closing fee
- $0 account maintenance fee
- $0 account opening/closing fees
- No platform or account fees
- $0 account management fees
- 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
- Raisin is not a bank; deposits are held at FDIC-insured partner banks and NCUA-insured credit unions
- 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
- Raisin may modify or end offer at any time
- 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
- 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
Total potential bonus
$1,425
Additional Referral Bonus (how it works)
$75
Your 50% share of $150 paid directly by the referrer
View Referral Terms →Cashback Portal Bonus
$100
TopCashback: $100 cashback when you open via portal
View Cashback Portal Terms →$1,200 (sign-up) + $50 (via referral link) + $75 (referral) + $100 (cashback portal) = $1,425 total
Offer expires July 30, 2026
Last updated July 10, 2026
Saved source PDFs
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How to evaluate Raisin 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
- within 14 days of account opening
- Payout timeline
- Within 30 days of meeting all requirements
- Hold period
- 90 days
How to qualify
- Deposit $10,000 minimum within 14 days of opening
- Maintain deposit for 90 days
- Enter promo code SUMMER26 at sign-up
- Use promo code SUMMER26 at sign-up
Common pitfalls
- New customers only
- May not be combined with any other bonus offers
- One bonus per customer
- May not be combined with other bonus offers
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.
Stacking potential
The tracked value can include $1,200 sign-up bonus, $50 referral sign-up bonus, $75 referral share, $100 cashback portal component for a total displayed potential of $1,425. 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 Savings Bonus expire?
Raisin Savings Bonus expires on July 30, 2026.
Can Raisin Savings Bonus stack with a referral?
Credolix tracks a referral path for this offer. The displayed user share is $75 based on 50% of the listed referral payout.
Does Raisin Savings Bonus have a cashback portal bonus?
Yes. Credolix currently tracks a cashback portal component of $100 through TopCashback: $100 cashback when you open via portal.
How long do I have to qualify for Raisin Savings Bonus?
The qualifying period listed for Raisin Savings Bonus is within 14 days of account opening.
