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 High-Yield Savings Bonus — Up to $1,200 + $75 + $100 cashback
Apply to Raisin High-Yield 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 qualifying terms
Requirements
- ✓Deposit $10,000+ within 14 days of opening
- ✓Enter promo code SUMMER26 at sign-up
- ✓Maintain deposit for 90 days
- ✓Optional: Set up 2+ recurring deposits within first 90 days to earn additional bonus up to $200
- ✓Minimum deposit of $10,000
- ✓Use promo code FRESHSTART at sign-up
- ✓Maintain deposit for 90 days from first deposit date
- ✓Deposits within 14 days of initial deposit date are eligible
- ✓Open account with promo code FRESHSTART
- ✓Deposit funds within 14 days of account opening
- ✓Open account using promo code FRESHSTART
- ✓Deposit minimum $10,000 within 14 days of first deposit
- ✓Maintain qualifying deposit for 90 days
- ✓First deposit must be initiated between April 1, 2026 and May 31, 2026
- ✓Minimum $10,000 deposit
- ✓Deposit and maintain funds within 14 days of opening and for 90 days total
- ✓Deposit must be made within 14 days of account opening
Restrictions
- ⚠New customers only
- ⚠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
- ⚠Cannot be combined with other bonus offers
- ⚠Not available to Raisin employees
- ⚠US customers only
- ⚠Limited to one bonus per member
- ⚠One per household/member
Fees
- No account management fees
- No monthly service fees
- $0 platform fee
- $0 account opening fees
- $0 account closing fees
- No platform fees
- No account maintenance fees
- No minimum balance requirements after opening
- $0 maintenance fee
- $0 account maintenance fee
- Bonus amounts shown are Base Bonus only; can add optional Recurring Deposit Bonus for up to $200 additional
- Raisin does not charge platform or maintenance fees
- Funds held at partner FDIC-insured banks and NCUA-insured credit unions, not by Raisin
- Bonuses are taxable income
- Raisin is not a bank; deposits are held at partner banks/credit unions with FDIC or NCUA insurance up to $250,000 per institution
- The $2,250 title refers to stacking Raisin's direct bonus (up to $1,500) with a TopCashback portal bonus ($200–$250), but TopCashback is a third-party affiliate, not a Raisin offer
- TopCashback bonus ($150) requires separate signup through TopCashback portal with $10,000 minimum deposit and 21-day hold
- Bonus stacks with partner bank interest rates
- Funds must be deposited to partner banks on Raisin platform
- Only funds deposited within 14 days of initial deposit and maintained for 90 days are eligible
- Raisin is not a bank; deposits are held by partner FDIC-insured banks and NCUA-insured credit unions
- Deposits covered by FDIC/NCUA insurance up to $250,000 per depositor per institution
- TopCashback bonus ($250) requires separate sign-up through TopCashback portal; different 21-day hold period
- Bonuses paid to Cash Account on Raisin platform
- May not be combined with other bonus offers unless expressly stated
- Bonus based on deposit tier
- Only funds deposited within 14 days eligible
- TopCashback bonus is separate and varies ($150-$250 typical)
- Raisin is a platform, not a bank; funds held at partner banks and insured by FDIC/NCUA up to $250,000 per institution
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 June 29, 2026
Last updated June 21, 2026
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
- Deposit $10,000+ within 14 days of opening
- Enter promo code SUMMER26 at sign-up
- Maintain deposit for 90 days
- Optional: Set up 2+ recurring deposits within first 90 days to earn additional bonus up to $200
Common pitfalls
- New customers only
- One bonus per customer
- May not be combined with other bonus offers
- May not be combined with other Raisin bonus offers
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.
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 High-Yield Savings Bonus expire?
Raisin High-Yield Savings Bonus expires on June 29, 2026.
Can Raisin High-Yield 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 High-Yield 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 High-Yield Savings Bonus?
The qualifying period listed for Raisin High-Yield Savings Bonus is Within 14 days of account opening.
