Raisin/Savebetter + Topcashback: Up To $2,000 Financial savings Bonus With Up To $250,000 Deposit

Replace 1/20/26: Topcashback as much as $250 now, appears to stack with at the least one of many deposit bonuses talked about under. (ht Tremendous Pirate)

Replace 1/17/26: There are two totally different hyperlinks with barely totally different tiers (see under). One has a 90 day maintain interval, different paid out quarterly. SAVE2026 is considerably higher as a result of 90 day maintain interval, makes the added rate of interest 1.36% – 4% APY (plus regardless of the account usually earns) Hat tip to reader Matt J. Additionally be aware, Topcashback is now at $200 and Rakuten at $100.

Replace 1/4/26: There’s now a proposal on Rakuten for $100, nevertheless it solely requires a deposit of $100 (tcb $250 bonus requires a $10k deposit). 

The Provide

Direct hyperlink to supply, don’t share your referrals within the feedback under. Use this linked publish as an alternative.

• Raisin is providing as much as $2,000 (plus one other bonus via portals)
  • SAVE2026 (90 day upkeep interval):
    • $75 for depositing between $10,000 and $24,499
    • $250 for depositing between $25,000 and $49,999
    • $500 for deposits between $50,000 and $99,999
    • $1,000 for deposits of $100,000 or extra
  • GIFT (paid out quarterly)
    • $80 for depositing between $10,000 and $24,499
    • $200 for depositing between $25,000 and $49,999
    • $400 for deposits between $50,000 and $99,999
    • $800 for deposits of $100,000-$249,999
    • $2,000 for deposits of $250,000 or extra

The Positive Print

• Referral bonus provide phrases & circumstances:
• Current Raisin prospects are eligible to obtain a $100 referral bonus and their referees are eligible to obtain a minimal $50 bonus for every referee who (1) opens an account with Raisin.com and makes a minimal preliminary deposit of $5,000 and (2) referee maintains the minimal deposit quantity for a interval of at the least 90 days. Referee should use your distinctive private referral code so that you can be eligible to obtain your referral bonus money. Referrers are eligible to earn a most of $2,000 with the Raisin Referral Program.
• Referees earn bonuses for preliminary deposits maintained over 90 days as follows: $50 for deposits between $5,000 and $9,999; $100 for deposits between $10,000 and $49,999; $150 for deposits between $50,000 and $99,999; or $200 for deposits of $100,000 or extra.
• Referral bonus money can be deposited by Raisin Options US LLC into buyer’s and into referee’s exterior financial institution accounts, respectively, that have been linked to www.raisin.com/en-us inside 30 days of satisfying all phrases to qualify for referral bonus money. US prospects solely.
• Not open to Raisin Options staff.
• Raisin reserves the precise to terminate this provide at any time and to disclaim Buyer referral bonus money for any motive.
• This bonus provide applies to preliminary buyer deposits made after Could 8, 2024.
• All checking account bonuses are handled as earnings/curiosity and as such it’s a must to pay taxes on them

Avoiding Charges

Month-to-month Charges

These accounts haven’t any month-to-month charges.

Replace Historical past

Our Verdict

Raisin was once known as SaveBetter and now we have coated it twice earlier than (when there was a $50 bonus and why we don’t checklist SaveBetter charges). Charges are aggressive with the finest excessive yield financial savings accounts, though barely worse than the highest charges, though the bonus isn’t important in comparison with the deposit required (e.g the $200 bonus works out to be an additional 0.8% APY annualized over that 90 day interval). Suppose the earlier Rakuten provide for $50 for $100 deposit was higher. Don’t share your referrals within the feedback under. Use this linked publish as an alternative.

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