Ameriprise® Bank Savings Account

Strategically managing your cash is an important process in the journey to achieving your savings goals. Ameriprise Bank, FSB offers an online savings account in individual, joint and payable on death account ownership categories. Ameriprise clients can apply for this savings account online at anytime. Once opened, make a minimum opening deposit of only $100.

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Accelerate your savings

Earn up to a $300 bonus1

How it works

Earn a $200 bonus1 by depositing at least $35,000 of new money into your new or existing Ameriprise Bank Savings Account. Through April 30, 2026, maintain a daily balance equal to or greater than your balance on Sept. 30, 2025.1

Earn a $50 bonus1 by establishing qualifying direct deposits of $500 or more per month by Dec. 31, 2025, for at least five consecutive calendar months.

Earn an extra $50 bonus, for a total bonus of $300, when you complete the two qualifying activities above.1

Limited time offer available between Oct. 1 and Dec. 31, 2025.

Already have an Ameriprise Bank Savings Account? Make a deposit

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The Ameriprise Bank Savings Account requires a $100 minimum opening deposit.

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Ameriprise Bank Savings Account rates

Account Balance3

Interest Rate3

Annual Percentage Yield3
$0 - $4,999 3.10% 3.15%
$5,000 - $9,999 3.10% 3.15%
$10,000 - $24,999 3.10% 3.15%
$25,000 - $49,999 3.10% 3.15%
$50,000 - $99,999 3.10% 3.15%
$100,000 - $249,999 3.10% 3.15%
$250,000+ 3.10% 3.15%

Printer-friendly savings account rate sheet

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Ameriprise Bank Savings Account features

 Digitally enabled security

Our savings account is digitally integrated to be viewed 24/7 alongside all your Ameriprise accounts on the secure site on ameriprise.com or on the Ameriprise Financial app.4

 /binaries/content/gallery/ampcom/products/savings-bank/security-1.png Mobile deposits mobile-device

Make mobile deposits by logging into this savings account through the Ameriprise Financial app.4

 /binaries/content/gallery/ampcom/products/savings-bank/mobile-device.png Transfer options transferring-funds

Deposit or withdraw funds from this savings account using ACH transfers, internal Ameriprise transfers to and from other eligible Ameriprise accounts, domestic wire transfers, or by requesting an official check.5

 /binaries/content/gallery/ampcom/products/savings-bank/transferring-funds.png FDIC insured target

Ameriprise Bank Savings Account is FDIC insured6 up to applicable limits.

 /binaries/content/gallery/ampcom/products/savings-bank/target.png No monthly maintenance fees coins

This savings account has no monthly maintenance fees.7

 /binaries/content/gallery/ampcom/products/savings-bank/coins.png Customer service conversation

Ameriprise Bank Customer Service Center is available from 7 a.m. to 7 p.m. Central time (CT) Monday – Friday for questions or support.

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Disclosures: 
The content of this page is informational only. 
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1Offers valid from October 1, 2025, to December 31, 2025 (“Offer Period”).
To receive the $200 bonus, you must:
  1. During the Offer Period, deposit at least $35,000 in New Money into your existing or new Ameriprise Bank Savings Account (“Account”). New Money is money that is deposited into your Account directly from external accounts outside of Ameriprise Bank, FSB and its affiliates. Deposits made by internal transfers from any Ameriprise accounts are not considered New Money. You may make multiple deposits within the Offer Period to reach the $35,000 in New Money.
  2. Additionally, through April 30, 2026, you must maintain a daily balance equal to or greater than your balance on September 30, 2025, plus at least $35,000 in New Money. Withdrawals from the Account may affect your ability to earn this bonus.
To receive the $50 direct deposit bonus, you must:
  1. Set up and maintain a Qualifying Direct Deposit(s) to your Ameriprise Bank Savings Account that totals at least $500 each calendar month for a minimum of five consecutive calendar months (total of $2,500). Direct deposits must be set up using the Ameriprise Bank, FSB routing number and your Ameriprise Bank Savings Account number, which can be found in your savings account information on the secure site on ameriprise.com or the Ameriprise Financial app.
  • The first Qualifying Direct Deposit must be received during the Offer Period. Direct deposit bonus is only available if the Account does not have an existing direct deposit arrangement during September 2025. You may make multiple Qualifying Direct Deposits to reach $500 per calendar month for the direct deposit bonus.
  • 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.
To receive the $50 extra bonus for a total of $300, you must also:
  1. Meet all requirements for both the $200 bonus and the $50 direct deposit bonus, detailed above.
These offers are only available to existing clients of Ameriprise Financial and its affiliates as of September 30, 2025. To remain eligible your Account must be open and in good standing at the time the applicable bonus is credited to your Account. Customers are limited to one of each of the bonus offers outlined above. A customer who is an owner of an individual Account and/or a primary owner of joint Account(s) will be limited to one of each of the bonus offers outlined above regardless of the number of Accounts. If all bonus requirements for any offer above are met, the appropriate bonus amount(s) will be credited to your Account by July 31, 2026.
The credited bonus(es) 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 any bonus offers at any time without notice. If we determine that you have engaged in, or plan to engage 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.
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 and Ameriprise Bank Savings Account Rates at ameriprise.com.
2Ameriprise® 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.
3Annual Percentage Yield (“APY”) is accurate as of 10/01/2025. 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. Rates are variable. The balance tiers applicable to an Ameriprise Bank Savings Account and 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.
4Eligibility 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.
5The 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.
6For information regarding FDIC deposit insurance, please visit FDIC: Your Insured Deposits.
7For 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.
Ameriprise Bank, FSB. Member FDIC.
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