Best Savings Account Bonuses May 2025
Compare savings account bonuses and explore high-yield savings opportunities
We focus on savings account bonuses because they offer cash rewards while helping you build savings with competitive APY rates and FDIC protection.
Total Bonuses
Available savings bonuses
Nationwide Offers
Available in most states
Highest Bonus
Capital One
Showing 10 results
| Requirements | Actions | ||||
|---|---|---|---|---|---|
Capital One 360 Performance Savings | $1500 | Deposit $100,000+ external funds within 15 days, hold for 90 days | 12/31/2025 | Hard | |
Capital One 360 Performance Savings | $750 | Deposit $50,000+ external funds within 15 days, hold for 90 days | 12/31/2025 | Hard | |
Capital One 360 Performance Savings | $300 | Deposit $20,000+ external funds within 15 days, hold for 90 days | 12/31/2025 | Medium | |
CIT Bank Platinum Savings | $300 | Deposit $50,000+ external funds within 30 days | 12/31/2025 | Hard | |
Ameriprise Ameriprise Bank Savings Account | $250 | Deposit $35,000+ New Money by 6/30/25, maintain balance through 10/31/25 | 06/30/2025 | Hard | |
CIT Bank Platinum Savings | $225 | Deposit $25,000+ external funds within 30 days | 12/31/2025 | Medium | |
Ameriprise Ameriprise Bank Savings Account | $200 | Establish qualifying direct deposits of $1,500+ per month for at least 5 months by 6/30/25 | 06/30/2025 | Easy | |
TD Bank TD Signature Savings | $200 | Deposit $10,000+ within 20 days, maintain $10,000+ for 90 additional days | 05/31/2025 | Easy | |
Wintrust Bank Statement Savings | $200 | Deposit $15,000+ new money, maintain $15,000+ for 3 consecutive months | 07/31/2025 | Medium | |
 Seacoast Bank Premier Savings | $200 | Deposit $15,000+ new money within 10 business days, maintain $15,000+ for 90 days | 12/31/2025 | Medium |
How Savings Account Bonuses Work
Open New Savings Account
Apply online and get approved for a new high-yield savings account with bonus eligibility
Make Initial Deposit
Fund your account with the required minimum deposit from external sources
Maintain Balance & Collect Bonus
Keep required balance for specified period and receive bonus plus ongoing interest
Why We Focus on Savings Account Bonuses
Savings account bonuses offer the perfect combination of bonus cash, competitive APY rates, FDIC protection, and flexible access to your funds. Unlike CDs, you can access your money anytime while still earning the bonus and ongoing interest.
Key Benefits of Savings Account Bonuses
High APY Plus Bonus
Earn competitive interest rates plus substantial welcome bonuses, providing both immediate cash rewards and ongoing returns.
FDIC Protection
Your deposits are protected up to $250,000 by federal insurance, ensuring the safety of both your principal and bonus funds.
Flexible Access
Unlike CDs, savings accounts allow you to access your funds anytime without early withdrawal penalties while still earning bonuses.
Credit-Friendly Process
Savings account applications typically use soft credit inquiries only, preserving your credit score while earning bonuses.
Frequently Asked Questions
Savings Account Regulations and Requirements
Savings accounts are regulated deposit products that offer federal insurance protection and must comply with various banking regulations. Understanding these rules helps you maximize benefits while staying compliant with account terms.
FDIC Insurance Protection
All savings accounts at FDIC-insured banks provide deposit insurance up to $250,000 per depositor, per bank. This protection covers both your principal and any accrued interest, making savings accounts one of the safest investment options available.
Regulation D Compliance
While Regulation D withdrawal limits have been suspended, many banks still monitor savings account activity. Excessive transactions may result in account conversion to checking or closure, so use savings accounts primarily for saving rather than frequent transactions.
Important Account Notice
Savings account bonuses are promotional offers that may change or end without notice. Always verify current terms directly with the bank before opening an account, as bonus amounts, requirements, and timeframes can vary.
Tips for Maximizing Savings Account Bonuses
Plan Your New Money Strategy
Set up transfers from external banks in advance to meet new money requirements quickly. Consider using ACH transfers which are free but take 3-5 business days to avoid missing bonus deadlines.
Maximize APY Benefits
Choose accounts offering both high bonuses and competitive ongoing APY rates. This strategy provides immediate bonus income plus long-term interest earnings, especially beneficial for larger deposit amounts.
Track Bonus Requirements
Use our dashboard to help track each account's requirements, deadlines, and progress. Set up reminders for minimum balance periods and bonus payment dates to ensure you're meeting all requirements.