Ameriprise Bank Savings Account
Discover the convenience of the new, fully digital Ameriprise® Bank Checking Account. Plus, when paired with an Ameriprise® Bank Savings Account, you can earn up to a $900 bonus.*
Ready to get started? Log in and apply1,2
Ameriprise® Bank Savings Account rates
Rates as of 04/15/2026
|
Account Balance3 |
Interest Rate3 |
Annual Percentage Yield3 |
|---|---|---|
|
$0 - $4,999 |
2.96% | 3.00% |
|
$5,000 - $9,999 |
2.96% | 3.00% |
|
$10,000 - $24,999 |
2.96% | 3.00% |
|
$25,000 - $49,999 |
3.00% | 3.05% |
|
$50,000 - $99,999 |
3.00% | 3.05% |
|
$100,000 - $249,999 |
3.00% | 3.05% |
|
$250,000+ |
3.00% | 3.05% |
Benefits of an Ameriprise Bank Savings Account
An Ameriprise Bank Savings Account is FDIC insured4 up to applicable limits.
View your account 24/7 alongside all your Ameriprise accounts on the secure site on ameriprise.com or the Ameriprise Financial app.2,5
Make mobile deposits using the Ameriprise app for convenient check deposits.5
With always-on access through the secure site or Ameriprise app, you can bank when it’s convenient for you.2,5
Enjoy the benefit of no monthly maintenance fees.6,7
The Ameriprise Bank Customer Service Center is available from 7 a.m. to 7 p.m. Central time (CT) Monday – Friday for questions or support at 800.862.7919.
Grow your money safely with the security of an Ameriprise Bank Savings Account.
Grow your money safely with the security of an Ameriprise Bank Savings Account.
Disclosures:
The content of this page is informational only.
*Each offer is valid from April 8, 2026, through June 30, 2026 (“Offer Period”).
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To receive the $300 bonus (“Checking Bonus”), you must:
Set up and maintain a Qualifying Direct Deposit(s) to your existing or new Ameriprise Bank Checking Account (“Checking Account”) that totals at least $2,000 each calendar month for a minimum of four consecutive calendar months (total of $8,000). The first Qualifying Direct Deposit must be made during the Offer Period. Direct deposits must be set up using the Ameriprise Bank, FSB routing number and your Checking Account number, which can be found in your Checking Account information on the secure site on ameriprise.com or the Ameriprise Financial app.
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The first Qualifying Direct Deposit must be received during the Offer Period. Checking Bonus is only available if the Checking Account does not have an existing direct deposit arrangement during March 2026. You may make multiple Qualifying Direct Deposits to reach $2,000 per calendar month for the Checking Bonus.
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Qualifying Direct Deposits are new recurring deposits from your employer, payroll, pension or governmental benefits provider via Automated Clearing House (ACH). Deposits that are not considered Qualified Direct Deposits include, but are not limited to, check deposits, peer-to-peer transfers such as Venmo or Zelle®, merchant transactions, wire transfers, internal transfers and ACH transfers not from an employer or government agency.
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To receive the $300 bonus (“Savings Bonus”), you must:
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Make Eligible Deposit(s) totaling $25,000 or more into your existing or new Ameriprise Bank Savings Account (“Savings Account”) during the Offer Period; AND
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Eligible Deposit(s) are deposits into your Savings Account from:
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External accounts outside of Ameriprise Bank, FSB and its affiliates;
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External accounts initially deposited into your Ameriprise brokerage account and credited to your Savings Account within seven business days of initial crediting to your Ameriprise brokerage account from an external account; and
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Proceeds from the redemption of money market fund balances held in your Ameriprise brokerage account and credited to your Savings Account within seven business days of the settlement date. Please contact your financial advisor for additional information.
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Through September 30, 2026, maintain a daily balance equal to or greater than your balance on April 7, 2026, plus at least $25,000 of Eligible Deposit(s).
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To receive the $300 extra bonus for a total of $900, you must:
Meet all requirements for both the $300 Savings Bonus and the $300 Checking Bonus. The $300 extra bonus will be deposited into your Checking Account.
Each bonus offer is only available to existing clients of Ameriprise Financial and its affiliates as of April 7, 2026. To remain eligible your Savings Account and/or Checking Account must be open and in good standing at the time the applicable bonus is credited to your Savings Account and/or Checking Account. Limit of one of each bonus offer outlined above per customer based on the taxpayer identified on the applicable Savings Account and/or Checking Account. If all Savings Bonus, Checking Bonus and/or extra bonus requirements are met, the appropriate bonus amount(s) will be credited to your Savings Account and/or Checking Account by March 31, 2027.
The credited bonus will be reported as interest on IRS form 1099-INT and you are responsible for any applicable taxes. Please consult your tax advisor; neither Ameriprise Bank, FSB nor its employees provide tax advice.
Other restrictions may apply. We reserve the right to modify or withdraw bonus offers at any time without notice. If we determine that you have engaged in abuse, gaming or fraud in connection with these offers you will not be eligible for any bonus offer.
The Ameriprise Bank Savings Account requires a $100 minimum opening deposit. The Ameriprise Bank Checking Account requires a $25 minimum opening deposit.
All Account terms, conditions, fees, rates and opening procedures apply. For details, please see the Ameriprise Bank, FSB Deposit Account Agreement, Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure Ameriprise Bank Checking Account Rates and Ameriprise Bank Savings Account Rates at ameriprise.com.
1Ameriprise® Bank Savings Accounts are subject to approval. Other terms and conditions apply. The terms, conditions, fees and features of the Ameriprise® Bank Savings Accounts may change. For terms and conditions of Ameriprise® Bank Savings Account, please see Ameriprise Bank, FSB Deposit Account Agreement.
2If you do not have secure site access or have any questions, please contact Ameriprise Bank Customer Service Center at 800.862.7919. If you are not a current client of Ameriprise, click here to apply
3Annual Percentage Yield ("APY") and interest rate are accurate as of 04/15/2026. Ameriprise® Bank Savings Account is a tiered variable-rate account. Each tier reflects the minimum and maximum daily ending balance required to obtain the applicable APY and interest rate. The rates in any tier may change in our sole discretion at any time without notice, before or after the account is opened. Fees could reduce earnings. Interest is compounded daily and paid monthly. Please see Ameriprise® Bank Savings Account Rates and Ameriprise Bank, FSB Deposit Account Agreement at ameriprise.com/disclosures for more information. The minimum deposit required to open an Ameriprise Bank Savings Account is $100.
4For information regarding FDIC deposit insurance, please visit FDIC: Your Insured Deposits.
5Eligibility requirements and restrictions apply. Wireless, message and data rates may apply. Please refer to Ameriprise Mobile Deposit Addendum, Ameriprise Bank, FSB Deposit Account Agreement and Mobile Deposit FAQ for information.
6For information about Ameriprise Bank, FSB savings account fees, please see the Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure.
7The number of transfers or withdrawals from an Ameriprise Bank, FSB savings account are limited to a total of six per monthly statement cycle (or each month if you have a quarterly statement cycle) from the following: preauthorized or automatic transfers, telephone or other electronic transmissions, online banking and mobile banking transfers. If the transaction limits are exceeded, fees will be applied, privileges on the account may be revoked or account may be closed. Please see the Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure for more details.
Ameriprise Bank, FSB. Member FDIC.
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