Savings account bonuses

Cash for parking new money, not for guessing a rate. Each card uses the bank's own funding rule. If a monthly fee was not on the page, the card says so.

Citizens

Personal savings

Up to $1,800

A single $15,000 deposit into new Citizens savings can start a monthly bonus of $50, or $150 if you keep $40,000. The year-one cap is $1,800.

savingsNo direct depositAvailability not stated

Deposit: One single new-money deposit of at least $15,000 within 10 business days. Keep an end-of-day balance of $40,000 or more to earn $150 that month, or $15,000 to $39,999.99 to earn $50. Up to 12 months.
Direct deposit: The savings bonus does not require direct deposit. The checking account opened the same day has its own rules.
Keep open: The savings account must stay open through the payment date.
Bonus posts: Last day of the month after the qualifying month.
Expires: Open by November 30, 2026.
Monthly fee: Quest Savings: $0 with Quest Checking. One Deposit Savings: $4.99. One Deposit Savings: one deposit each statement, a $200 minimum daily balance, age under 25 or 65 and older, or the first four fees waived automatically.

Effective value

$1,800

Uses the $0 Quest Savings path and the $40,000 tier for all 12 months. The $15,000 tier pays $50 a month, $600 total. A fee on One Deposit Savings is avoidable with one deposit a month and is not subtracted.

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Eastern Bank

Statement Savings

$250

Eastern Statement Savings pays $250 if you deposit $15,000 within 30 days and keep that average for the following 90 days. No direct deposit.

savingsNo direct depositMaine, Massachusetts, New Hampshire, Rhode Island

Deposit: Deposit $15,000 within 30 days, then keep a $15,000 average daily balance for 90 days beginning on day 31.
Direct deposit: Direct deposit is not required for the savings bonus.
Keep open: Eastern determines qualification 120 days after opening. The account must still be open with a balance above zero at payout.
Bonus posts: By April 19, 2027.
Expires: Open by November 20, 2026.
Monthly fee: Not stated on the offer page. Not stated on the offer page.

Effective value

$250

Monthly fee is not stated, so it is not subtracted. You do have to leave $15,000 on deposit through the 90-day average window.

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TD Bank

Signature Savings

$200

Park $10,000 in a new TD Signature Savings account on the published schedule and TD pays $200. No direct deposit required.

savingsNo direct depositAvailability not stated

Deposit: Deposit at least $10,000 within the first 20 days, then keep at least $10,000 for 90 more days measured from that 20th day.
Direct deposit: Direct deposit is not required.
Keep open: 6 months if you want to keep a bonus that has already posted.
Bonus posts: On or before 180 days from account opening.
Expires: Through November 30, 2026.
Monthly fee: Not stated on the offer page. Not stated on the offer page.

Effective value

$200

The monthly fee is not stated on the offer page, so it is not subtracted. If Signature Savings has a fee, this $200 overstates the net.

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Axos

Summit Savings

$150

No direct deposit: a referred Summit Savings customer who holds $5,000 of new money for 60 days earns $150 in the holiday window.

savingsNo direct depositAvailability not statedReferral

Deposit: Keep an average daily balance of at least $5,000 in new funds for any 60 consecutive days inside the first 120 days.
Direct deposit: Direct deposit is not required.
Keep open: The 60-day average has to finish inside the first 120 days, and the account must be open at payout.
Bonus posts: Within 30 days after the balance requirement is met.
Expires: Holiday referral signup by December 31, 2026.
Monthly fee: Not stated on the referral page. Not stated on the referral page.

Effective value

$150

Holiday total. The monthly fee is not stated, so it is not subtracted. You do tie up $5,000.

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BMO

Savings Builder

Up to $60

BMO Savings Builder pays $5 in any month your balance grows by $200, up to $60 in the first year. No direct deposit.

savingsNo direct depositAvailability not stated

Deposit: $25 to open. Grow the ledger balance by at least $200 in a month to earn $5. Up to 12 months.
Direct deposit: Direct deposit is not required.
Keep open: Keep the account open through each reward payment. No early-closure fee is stated.
Bonus posts: Within 5 calendar days after the end of a qualifying month.
Expires: Not stated as a campaign end date. The rewards run for up to 12 months from opening.
Monthly fee: $0 monthly maintenance fee. No monthly fee is listed for Savings Builder on the offer page.

Effective value

$60

Twelve $5 rewards if the balance grows by $200 every month. There is no monthly fee to subtract. You do have to add $200 of new savings each of those months.

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