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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Raisin High-Yield Savings Bonus — Up to $900 + $50 + $100 cashback
Apply to Raisin High-Yield Savings Bonus and earn up to $1,050 in combined sign-up and referral bonuses.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $10,000 - $24,999 | $50 (base) + $10 (optional CD boost) = $60 total |
| $25,000 - $49,999 | $125 (base) + $25 (optional CD boost) = $150 total |
| $50,000 - $99,999 | $250 (base) + $50 (optional CD boost) = $300 total |
| $100,000 - $199,999 | $500 (base) + $100 (optional CD boost) = $600 total |
| $200,000+ | $1,000 (base) + $200 (optional CD boost) = $1,200 total |
Hold Period
90 days from first deposit date
Qualifying Period
Within 14 days of account opening for initial deposit; optional recurring deposits within first 90 days for bonus boost
Payout
Within 30 days of meeting all qualifying requirements
Requirements
- ✓Use promo code STACK at sign-up
- ✓Deposit minimum $10,000 within 14 days of account opening
- ✓Maintain qualifying deposit(s) for 90 days from first deposit date
- ✓Optional: Open both a savings account and a CD (with at least $1,000 in each) within 14 days to earn bonus boost
- ✓Promo code STACK must be entered at sign-up
- ✓First deposit must be initiated between September 1 and October 31, 2026
- ✓Minimum $10,000 deposit within 14 days of initial deposit
- ✓Maintain qualifying balance for 90 days from initial deposit date
- ✓Minimum $10,000 deposit within 14 days of account opening
- ✓Maintain qualifying balance for 90 days from first deposit date
- ✓Optional boost: deposit at least $1,000 into a second product category (savings account or CD) within 14 days and maintain both for 90 days
- ✓Minimum initial deposit of $10,000
- ✓First deposit must be initiated between September 1, 2026 and October 31, 2026
- ✓Must maintain qualifying deposit for 90 days
- ✓Optional: To earn bonus boost, deposit at least $1,000 each to a savings account and CD within 14 days
- ✓Deposit at least $10,000
Restrictions
- ⚠New customers only
- ⚠May not be combined with other bonus offers
- ⚠Cannot be combined with other bonus offers
- ⚠Promo code STACK required at sign-up
- ⚠Promo code STACK must be entered at sign-up
- ⚠May not be combined with any other bonus offers
- ⚠Non-transferable
- ⚠One bonus per customer
- ⚠Must use promo code SUMMER26 at sign-up
- ⚠Promo code SUMMER26 must be entered at sign-up
- ⚠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 fees
- $0 platform fee
- $0 maintenance fee
- No account fees
- No account maintenance fees
- $0 platform fee (Raisin is free to use)
- $0 account opening fees
- $0 monthly maintenance 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 account maintenance fee
- Bonus is based on lowest balance maintained during the 90-day holding period
- Withdrawals during hold period may reduce or eliminate bonus eligibility
- Deposits maintained at FDIC/NCUA-insured partner banks on Raisin platform
- Funds must be deposited and maintained with Raisin partner banks
- Optional Savings + CD Boost available: allocate at least $1,000 to secondary product category (e.g., CD) during 14-day window for additional bonus
- Bonus credited to Cash Account
- Bonus is tiered based on total combined balance across all Raisin products
- Welcome Bonus is mandatory; Savings + CD Boost is optional
- Funds must be deposited at FDIC-member banks or NCUA-member credit unions through Raisin platform
- The bonus boost is optional and paid in addition to the welcome bonus
- Only deposits from external linked bank accounts qualify
- Bonus subject to fraud and abuse policy
- APY rates are variable and subject to change
- Offer applies to initial customer deposits made after specific date
- Only funds maintained for 90 days on Raisin platform qualify
- Bonus paid to Raisin Cash Account
- If qualifying deposit balance declines below minimum tier during maintenance period, customer placed in lower bonus tier
- Additional bonus available through Savings + CD Boost promotion
- Recurring deposit bonus available for qualifying tiers
- The Savings + CD Boost is optional and paid in addition to base bonus
- Only funds deposited within 14 days of initial deposit date are eligible
- Bonus credited to Raisin Cash Account (powered by FDIC-insured partner banks)
- Offer available to new customers only
- Raisin may modify or end this offer at any time
- 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
Total potential bonus
$1,050
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 →$900 (sign-up) + $50 (referral) + $100 (cashback portal) = $1,050 total
Offer expires October 30, 2026
Last updated October 19, 2026
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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 for initial deposit; optional recurring deposits within first 90 days for bonus boost
- Payout timeline
- Within 30 days of meeting all qualifying requirements
- Hold period
- 90 days from first deposit date
How to qualify
- Use promo code STACK at sign-up
- Deposit minimum $10,000 within 14 days of account opening
- Maintain qualifying deposit(s) for 90 days from first deposit date
- Optional: Open both a savings account and a CD (with at least $1,000 in each) within 14 days to earn bonus boost
Common pitfalls
- New customers only
- May not be combined with other bonus offers
- Cannot be combined with other bonus offers
- Promo code STACK required at sign-up
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 $900 sign-up bonus, $50 referral share, $100 cashback portal component for a total displayed potential of $1,050. 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 October 30, 2026.
