Offer Details
Written by: RJ
Requirements
- Open a new savings account
- $100 opening deposit
- Deposit the following amounts by 8/29/25
- $15k = $200
- $50k = $800
- Maintain balance until 12/31/25
- Bonus posts by 3/31/26
Eligibility
- Nationwide
- Existing Ameriprise clients as of 7/14/25
- Can’t have received a bonus in the past 18 months
Fees
- Savings account is fee free
Account Closure
- No rule listed
Chex
- Not sure
Valid through: 12/31/25
Thoughts
The $50k tier is also paying 3.20% APY.
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Getting around 7% APY, adding 15 extra cushion days. https://cashbackcow.io/calculators/effective-apy-calculator/?invest=25000&sub=500&daysreq=182&daysbuf=15&fees=&interest=3.25
Ran the current promo through an APY calculator.
Days between 8/30/24 and 2/28/25 = 182.
At 3% APY and $500 sign up bonus, looks like effective APY of 7.21%
They kinda fixed their process now, they have a pre-application form you fill out and email over to them to process. Once they review and process it (7-10 days) then you can apply for an account. I sent in the form but if you are reading this now, it might be out of time to be able to get the account open and to land the $25K by 10/31 to be able to satisfy this.
I forgot about this one lol. My Huntington $20k should be coming up soon. I might still try this. Have to go with the phone call I suppose. Thanks for the reminder sir
Hey, RJ. Just trying to reproduce your math. $500 “interest” on a $25k interest for 2 months represents a 12.6% APY. Right?
This looks like a pretty solid offer.
The 3.25% APY I listed is what Ameriprise gives for balances of $25k+. Since you get the $500 plus an ok rate (though not competitive for the times) it turns out to be a good offer. Given a 2 month lock up period.