Ameriprise Bank Bonus: Up to $1,400 for Existing Clients

If you're already an Ameriprise client, there's a nice little bonus waiting for you. The bank is offering up to $1,400 when you open a new checking and savings account. It's not the highest we've seen, but the requirements are straightforward and there are no monthly fees to worry about.

What You Need to Know to Get the $400 Checking Bonus

The checking bonus is pretty simple. Open a new Ameriprise Bank checking account between July 1 and December 29, 2026. Then, within 90 days, set up qualifying direct deposits that total at least $1,500. It can be a single deposit or multiple ones — no need for recurring monthly deposits. Just make sure the total hits $1,500 within the 90-day window.

One thing to note: this offer is only for existing Ameriprise clients and employees. If you've already snagged a checking bonus from Ameriprise in the past, you're out of luck. Same goes for the savings bonus — previous recipients need not apply.

The Savings Bonus: Bigger Deposits, Bigger Rewards

For the savings account, you can earn up to $1,000 depending on how much you deposit. You have 30 days from opening to make eligible deposits totaling at least $25,000, and then you need to keep that balance (or more) for 90 days. Here's how the bonus tiers break down:

Deposit $25,000 to $49,999.99 and get $350. Put in $50,000 to $99,999.99 and earn $650. And if you can park $100,000 or more, you'll receive the full $1,000 bonus.

On top of the bonus, the savings account earns 3.05% APY, which is pretty solid for a bank savings account these days. So you're getting both a bonus and decent interest.

No Monthly Fees and Other Perks

One of the best parts? There are no monthly maintenance fees. That's right — zero monthly charges. You also get a debit card with contactless payments, mobile check deposits, online bill pay, and ATM fee reimbursements up to certain limits. And you can use Zelle to send and receive money easily.

The minimum opening deposit is just $25, so getting started is easy. Just be aware that you'll need to be an existing Ameriprise client to qualify. If you're not, you might want to check out other bank bonuses that are open to everyone.

A Few Things to Watch Out For

First, remember that bonuses are considered taxable income. The IRS will want a piece of that $1,400, so set some aside. Second, there's no clear early account termination fee mentioned, but it's always smart to keep accounts open for at least six months to avoid any potential clawbacks. Finally, this offer is lower than the previous version (which paid $900 for the lowest savings tier plus checking), but it's still worth doing if you have the funds available.

• Bonuses are taxable as interest income.
• No early termination fee specified — but play it safe and hold accounts for 6+ months.
• Only for existing Ameriprise clients and employees.
• Previous bonus recipients are excluded from both checking and savings offers.

Bottom Line

• Earn $400 checking bonus with $1,500 in direct deposits within 90 days.
• Savings bonus up to $1,000 for deposits of $25k+, held for 90 days.
• No monthly fees, soft pull, and a 3.05% APY on savings.
• Offer runs July 1 to December 29, 2026 — existing clients only.

Common Questions