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.
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Bank
Raisin High-Yield Savings Bonus — Up to $1,000 + $50 + $100 cashback
Apply to Raisin High-Yield Savings Bonus and earn up to $1,200 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $10,000–$24,999 | $50 base + up to $10 recurring |
| $25,000–$49,999 | $125 base + up to $25 recurring |
| $50,000–$99,999 | $250 base + up to $50 recurring |
| $100,000–$199,999 | $500 base + up to $100 recurring |
| $200,000+ | $1,000 base + up to $200 recurring |
Hold Period
90 days
Qualifying Period
within 14 days of account opening
Payout
Within 30 days of meeting all qualifying terms
Requirements
- ✓Minimum $10,000 initial deposit
- ✓First deposit must be initiated between June 1, 2026 and August 31, 2026 by 11:59 PM ET
- ✓Funds must be deposited within 14 days of account opening
- ✓Balance must be maintained for 90 days from first deposit date
- ✓Optional: Set up recurring deposit within 14 days (executes at least twice in 90 days) to earn additional bonus tier amount
- ✓Minimum opening deposit of $10,000
- ✓Funds must be maintained for 90 days from first deposit date
- ✓Optional: Set up recurring deposit within 14 days to qualify for additional bonus (requires 2+ recurring deposits within 90 days)
- ✓Use promo code SUMMER26 at sign-up
- ✓Deposit minimum $10,000 within 14 days of account opening
- ✓Maintain deposit for 90 days to qualify for base bonus
- ✓Optional: Set up recurring deposits within 14 days to earn additional recurring deposit bonus
- ✓Deposit minimum funds according to tier
- ✓Maintain deposit(s) for 90 days from first deposit date
- ✓Make qualifying deposit(s) within 14 days of opening account
- ✓Minimum $10,000 deposit
Restrictions
- ⚠New customers only
- ⚠Cannot be combined with other bonus offers
- ⚠Must use promo code SUMMER26 at sign-up
- ⚠May not be combined with any other bonus offers
- ⚠Promo code SUMMER26 must be entered at sign-up
- ⚠One bonus per customer
- ⚠May not be combined with other bonus offers
- ⚠May not be combined with other Raisin bonus offers
- ⚠One bonus per member
- ⚠Not available to Raisin employees
- ⚠US customers only
- ⚠Limited to one bonus per member
- ⚠One per household/member
Fees
- $0 platform fee
- No account maintenance fees
- $0 platform fee (Raisin is free to use)
- $0 account opening fees
- $0 monthly maintenance fees
- $0 platform fees
- $0 account fees
- $0 account fee
- No account management fees
- No monthly service fees
- $0 account closing fees
- No platform fees
- No minimum balance requirements after opening
- $0 maintenance fee
- $0 account maintenance fee
- Deposits are held at FDIC-member banks and NCUA-insured credit unions
- Raisin is not a bank and does not hold customer funds directly
- Maximum bonus cap depends on highest tier achieved: $1,200 total (base $1,000 + recurring $200)
- Recurring Deposit Bonus can be selected at same tier as base bonus or any lower tier
- Bonus applies to high-yield savings accounts, CDs, and money market accounts from partner banks
- Raisin partners with 100+ FDIC-insured banks and NCUA-insured credit unions
- Deposits held directly with partner banks and covered by FDIC/NCUA insurance up to $250,000 per depositor
- Recurring deposit bonus is determined by base bonus tier; customers can choose their tier or any lower tier
- Raisin may modify or end this offer at any time and may withhold or revoke bonuses for fraud or violation of terms
- Bonus split into base bonus (upon opening and deposit) and recurring deposit bonus (optional, for additional earnings)
- Recurring deposit bonus requires aggregate recurring deposits of $250, $500, $1,000, or $2,000 depending on deposit tier
- TopCashback bonus not currently available as of June 2026 per Doctor of Credit
- TopCashback bonus availability and amount vary (currently reported as unavailable as of 6/1/26 by Doctor of Credit)
- Recurring deposit bonus paid in addition to base bonus
- Funds held at partner FDIC-insured banks/NCUA-insured credit unions, not at Raisin directly
- Base Bonus and Recurring Deposit Bonus are paid separately
- Maximum recurring bonus tier matches or is lower than base bonus tier
- Total maximum bonus is capped at $1,200 per customer
- Bonus cash credited to Cash Account within 30 days of meeting all terms
- TopCashback offer no longer available as of June 1, 2026
- Raisin is not a bank; deposits are held at FDIC-member banks or NCUA-insured credit unions
- Deposits are insured up to $250,000 per depositor per institution
- Bonus cash credited to Raisin Cash Account within 30 days of meeting terms
- Bank bonuses are taxable income; Raisin will issue Form 1099-INT
Total potential bonus
$1,200
Additional Referral Bonus (how it works)
$50
Your 50% share of $100 paid directly by the referrer
View Referral Terms →Cashback Portal Bonus
$100
TopCashback: $100 cashback when you open via portal
View Cashback Portal Terms →$1,000 (sign-up) + $50 (via referral link) + $50 (referral) + $100 (cashback portal) = $1,200 total
ExpiredOffer expired September 29, 2026
Last updated September 13, 2026
Saved source PDFs
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How to evaluate Raisin High-Yield 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 qualifying terms
- Hold period
- 90 days
How to qualify
- Minimum $10,000 initial deposit
- First deposit must be initiated between June 1, 2026 and August 31, 2026 by 11:59 PM ET
- Funds must be deposited within 14 days of account opening
- Balance must be maintained for 90 days from first deposit date
Common pitfalls
- New customers only
- Cannot be combined with other bonus offers
- Must use promo code SUMMER26 at sign-up
- May not be combined with any other bonus offers
What makes this offer different
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 $1,000 sign-up bonus, $50 referral sign-up bonus, $50 referral share, $100 cashback portal component for a total displayed potential of $1,200. 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 September 29, 2026.
