Up to $750
30.4% APY
1,429/hr for your time
Hold $5k ($400) or $15k ($750) ~60 days.
Ease 4/10 · ~60 daysNo expiration
Hold balanceDetails
30.4% effective APY
$15,000 committed, about 60 days
Savings account bonuses and APY boosts
Updated September 2026 · 11 live offers · last full review 2026-07-07
A savings account bonus pays cash or a boosted APY for parking a balance for a set period. Because the payout is fixed and the hold is short, a $300 bonus on $10,000 held 90 days works out to roughly a 12 percent annualized return, far above any standard savings rate.
Savings offers are the right tool when you have cash sitting still and no appetite for direct deposit games. The tradeoff is that your money is locked in place, so the honest comparison is the effective APY, not the headline dollar amount.
Best right now
Links checked 2026-09-18The three strongest live offers on this page, checked against the real signup link before they were ranked.
- Marcus by Goldman Sachs+1.00% APY boost for 3 months
Referred savers get an extra 1.00% APY on top of the standard Marcus Online Savings rate for the first three months, applied to any balance up to $1M.
Get this bonus - Ally Bank$100 cash
Enroll by December 31, 2026, open eligible Ally Savings or Spending within 30 days, then complete qualifying transfers or direct deposits for three consecutive months.
Get this bonus - Lake Michigan Credit Union$110 cash
Open checking through the referral and maintain recurring direct deposits totaling at least $500 for 60 days. LMCU's official terms say both sides receive $110.
Get this bonus
Some of these are limited to certain states. Filter the board to yours:
Offers tracked
11
Biggest payout
$1,200
Top effective APY
30%
No direct deposit
10 offers
$1,200
29.2% APY
2,286/hr for your time
Hold $25,000 new money 60 days + 6 qualifying transactions.
Ease 3/10 · ~30 days afterAug 30, 2026
Hold balanceDetails
29.2% effective APY
$25,000 committed, about 60 days
Up to $200
16.2% APY
381/hr for your time
Hold $3,000 avg · $50 per cycle · code START200.
Ease 6/10 · per cycleAug 30, 2026
Hold balanceDetails
16.2% effective APY
$3,000 committed, about 150 days
$200
6.6% APY
632/hr for your time
Hold $10,000 for 90 days (fund within 20).
Ease 5/10 · ~90 daysJul 30, 2026
Hold balanceDetails
6.6% effective APY
$10,000 committed, about 110 days
$100 - $1,000
4.0% APY
2,264/hr for your time
Open through a Schwab client referral link and net deposit new money: $25,000 for $100, $50,000 for $300, $100,000 for $500, or $500,000 for $1,000. The deposit must be new money to Schwab and must stay for the qualifying period.
Ease 8/10 · roughly 45 days after the deposit clearsNo expiration
Hold balanceDetails
4.0% effective APY
$25,000 committed, about 365 days
20,000 AA miles (~$280)
2.3% APY
884/hr for your time
Hold $50,000 average balance for 90 days.
Ease 3/10 · after 120 daysAug 31, 2026
Hold balanceDetails
2.3% effective APY
$50,000 committed, about 90 days
$200
2.0% APY
632/hr for your time
Hold $30,000 for 120 days.
Ease 4/10 · ~60 days afterJul 31, 2026
Hold balanceDetails
2.0% effective APY
$30,000 committed, about 120 days
Up to $1,000
1.6% APY
1,500/hr for your time
Fund new money, tiered. Top tier needs ~$250K held 90 days.
Ease 5/10 · ~15 days after qualifyingEnds in 14d
Hold balanceDetails
1.6% effective APY
$250,000 committed, about 90 days
APY boost + cash
$400/hr
No money tied up
Bonus link boosts your APY plus a cash kicker.
Ease 9/10 · after fundingNo expiration
Bonus / matchDetails
$400/hr for your time
No cash tied up · about 0.3h of work
$100 cash bonus
$286/hr
No money tied up
Enroll through the invite by December 31, 2026, open eligible Ally Savings or Spending within 30 days, and complete qualifying transfers or direct deposits for three consecutive months.
Ease 7/10 · after completing three qualifying monthsDec 31, 2026
Bonus / matchDetails
$286/hr for your time
No cash tied up · about 0.3h of work
Code-based offer
$0/hr
No money tied up
Enter invite code shauna068155 if Raisin presents a referral-code field, then confirm the live deposit and holding requirements before funding.
Ease 8/10 · after fundingNo expiration
Bonus / matchDetails
$0/hr for your time
No cash tied up · about 0.3h of work
Return on parked cash
Effective APY on these offers
Bonus divided by the money you must hold, annualized over the hold period.
Start the top APY offers
Bank of AmericaUp to $750U.S. Bank$1,200AxosUp to $200TD Bank$200Charles Schwab$100 - $1,000Bask Bank20,000 AA miles (~$280)
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Headline dollars
Biggest payouts here
Raw bonus size, before accounting for the cash you have to move.
Start the biggest payouts
U.S. Bank$1,200Charles Schwab$100 - $1,000J.P. MorganUp to $1,000Bank of AmericaUp to $750Bask Bank20,000 AA miles (~$280)AxosUp to $200
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Pay for your time
Dollars per hour of actual work
Most offers here tie up no money at all, so the honest measure is what an hour of your time earns.
Read these numbers as a table
| Offer | Payout | Money tied up | Effective APY | Pay per hour |
|---|---|---|---|---|
| U.S. Bank Platinum Business Checking | $1,200 | $25,000 for about 60 days | 29.2% | $2,286/hr (0.5h) |
| Charles Schwab Brokerage Account | $100 - $1,000 | $25,000 for about 365 days | 4.0% | $2,264/hr (0.4h) |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | $250,000 for about 90 days | 1.6% | $1,500/hr (0.7h) |
| Bank of America Business Advantage Banking | Up to $750 | $15,000 for about 60 days | 30.4% | $1,429/hr (0.5h) |
| Bask Bank Mileage Savings | 20,000 AA miles (~$280) | $50,000 for about 90 days | 2.3% | $884/hr (0.3h) |
| TD Bank Signature Savings | $200 | $10,000 for about 110 days | 6.6% | $632/hr (0.3h) |
| Barclays Tiered Savings | $200 | $30,000 for about 120 days | 2.0% | $632/hr (0.3h) |
| Marcus by Goldman Sachs Online Savings | APY boost + cash | None | No capital tied up | $400/hr (0.3h) |
Work against money
Where the easy money sits
Top-left is the sweet spot: a big payout for very little work.
Each dot is one offer in America. Further left means less work; higher means more money. Bigger dots earn more on the cash you park.
Read these numbers as a table
| Offer | Payout | Money tied up | Effective APY | Pay per hour |
|---|---|---|---|---|
| U.S. Bank Platinum Business Checking | $1,200 | $25,000 for about 60 days | 29.2% | $2,286/hr (0.5h) |
| Charles Schwab Brokerage Account | $100 - $1,000 | $25,000 for about 365 days | 4.0% | $2,264/hr (0.4h) |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | $250,000 for about 90 days | 1.6% | $1,500/hr (0.7h) |
| Bank of America Business Advantage Banking | Up to $750 | $15,000 for about 60 days | 30.4% | $1,429/hr (0.5h) |
| Bask Bank Mileage Savings | 20,000 AA miles (~$280) | $50,000 for about 90 days | 2.3% | $884/hr (0.3h) |
| Axos Basic Business Checking | Up to $200 | $3,000 for about 150 days | 16.2% | $381/hr (0.5h) |
| TD Bank Signature Savings | $200 | $10,000 for about 110 days | 6.6% | $632/hr (0.3h) |
| Barclays Tiered Savings | $200 | $30,000 for about 120 days | 2.0% | $632/hr (0.3h) |
| Marcus by Goldman Sachs Online Savings | APY boost + cash | None | No capital tied up | $400/hr (0.3h) |
| Ally Bank Savings + Checking | $100 cash bonus | None | No capital tied up | $286/hr (0.3h) |
| Raisin Savings Marketplace | Code-based offer | None | No capital tied up | $0/hr (0.3h) |
Hold time on the strongest offer here
Bank of America Business Advantage Banking: what waiting costs you
The same payout is worth much more when the money comes back quickly. The marked point is the offer's own stated window.
$15,000 committed for about 60 days pays $750, which annualizes to 30.4%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 60.8% | |
| 45 days | 40.6% | |
| 60 days | 30.4% | The offer's own stated window |
| 90 days | 20.3% | |
| 120 days | 15.2% | |
| 180 days | 10.1% | |
| 270 days | 6.8% | |
| 365 days | 5.0% |
Start this offer
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Every offer at a glance
| Offer | Bonus | Requirement | Effective APY | Pay per hour | Checked |
|---|---|---|---|---|---|
| Bank of America Business Advantage Banking | Up to $750 | Hold $5k ($400) or $15k ($750) ~60 days. | 30.4% | $1,429/hr | 2026-07-05 |
| U.S. Bank Platinum Business Checking | $1,200 | Hold $25,000 new money 60 days + 6 qualifying transactions. | 29.2% | $2,286/hr | 2026-07-05 |
| Axos Basic Business Checking | Up to $200 | Hold $3,000 avg · $50 per cycle · code START200. | 16.2% | $381/hr | 2026-07-05 |
| TD Bank Signature Savings | $200 | Hold $10,000 for 90 days (fund within 20). | 6.6% | $632/hr | 2026-07-05 |
| Charles Schwab Brokerage Account | $100 - $1,000 | Open through a Schwab client referral link and net deposit new money: $25,000 for $100, $50,000 for $300, $100,000 for $500, or $500,000 for $1,000. The deposit must be new money to Schwab and must stay for the qualifying period. | 4.0% | $2,264/hr | 2026-08-14 |
| Bask Bank Mileage Savings | 20,000 AA miles (~$280) | Hold $50,000 average balance for 90 days. | 2.3% | $884/hr | 2026-07-05 |
| Barclays Tiered Savings | $200 | Hold $30,000 for 120 days. | 2.0% | $632/hr | 2026-07-05 |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | Fund new money, tiered. Top tier needs ~$250K held 90 days. | 1.6% | $1,500/hr | 2026-07-05 |
| Marcus by Goldman Sachs Online Savings | APY boost + cash | Bonus link boosts your APY plus a cash kicker. | No capital tied up | $400/hr | 2026-07-05 |
| Ally Bank Savings + Checking | $100 cash bonus | Enroll through the invite by December 31, 2026, open eligible Ally Savings or Spending within 30 days, and complete qualifying transfers or direct deposits for three consecutive months. | No capital tied up | $286/hr | 2026-09-18 |
| Raisin Savings Marketplace | Code-based offer | Enter invite code shauna068155 if Raisin presents a referral-code field, then confirm the live deposit and holding requirements before funding. | No capital tied up | $0/hr | 2026-09-18 |
Questions people ask
Is a savings bonus better than a high yield savings account?
For the length of the promotion, almost always. A short hold with a fixed payout produces a much higher annualized return than a standard rate. After the promotion ends, move the money to whatever pays the most.
What is an APY boost?
Instead of a flat cash bonus, some banks add a fixed number of percentage points to the standard rate for a set number of months. It is worth more the larger your balance, which is the opposite of how flat cash bonuses work.
Do I lose the bonus if I withdraw early?
Usually yes. Nearly all of these require the balance to stay at or above a threshold for the entire qualifying period, checked either daily or on an average balance basis.
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