Ameriprise's $450 Savings Bonus: A Solid Offer for Existing Clients

If you're already working with Ameriprise Financial and have some cash sitting around, there's a pretty straightforward savings bonus worth considering. It's not the flashiest offer out there, but for the right person, that $450 could be a nice little boost. Let's break down exactly what it takes to qualify and whether it makes sense for your situation.

Who Actually Qualifies for This Bonus?

Here's the most important detail that could save you some time: this offer is specifically for existing Ameriprise Financial clients. According to the official terms, you need to have been a client of Ameriprise or its affiliates as of January 13, 2026. If you're brand new to the company, this particular promotion isn't for you.

Assuming you do qualify, the mechanics are fairly simple. You need to move at least $25,000 into an Ameriprise Bank Savings Account—either one you already have or a new one you open for this purpose. The money needs to be there by March 31st of next year, and you can't touch it until after June 30th. If you follow those rules, they'll deposit the $450 into your account by the end of September.

What Counts as an 'Eligible Deposit'?

Not all money transfers will qualify for the bonus, so pay attention here. The funds need to come from outside the Ameriprise ecosystem. The official page lists three acceptable sources:

• Transfers from accounts at other banks (the most straightforward option)
• Money that first goes into your Ameriprise brokerage account from an external source, then gets moved to the savings account within seven business days
• Proceeds from selling money market funds in your brokerage account, again moved to savings within seven business days

The Fine Print You Shouldn't Skip

A few other considerations before you jump in. First, the bonus counts as interest income, so you'll get a 1099-INT and owe taxes on it. That doesn't make it a bad deal, but it does mean your actual take-home will be a bit less than $450 depending on your tax bracket.

Also, while there's no monthly maintenance fee, you do need to keep the account open and in good standing until the bonus pays out. If you close it early, you'll likely forfeit the reward. And as with most bank bonuses, they reserve the right to deny you if they suspect any 'gaming' of the system.

Is This Bonus Worth Your While?

Let's do some quick math. You're tying up $25,000 for roughly three months (end of March through end of June) to earn $450. That's a 1.8% return on that cash over that period. Annualized, that's actually a pretty decent rate—much better than what most savings accounts are paying right now.

The catch, of course, is that you need to already be an Ameriprise client and have that kind of cash available to park. If you meet both criteria and were planning to keep that money in a low-yield account anyway, this is a no-brainer. It's essentially free money for doing something you might have done regardless.

Just make sure you're comfortable with the timeline. You won't see the bonus until September, and you need to be sure you won't need to access that $25,000 during the maintenance period.

Bottom Line

• This offer is exclusively for existing Ameriprise clients as of January 2026.
• The $450 represents strong short-term returns on your $25k deposit.
• Plan for the bonus to be taxed as interest income.
• Mark your calendar for the key dates: deposit by March 31, maintain through June 30, receive bonus by September 30.

Common Questions