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 for individual or joint account owners. Ameriprise clients can apply for this savings account online at anytime. Once opened, make a minimum opening deposit of only $100.
Earn up to an $800 bonus.2
The more you save, the more you earn. Level up your savings. Choose your bonus.
| Bonus levels2 | Deposit amount2 | Bonus amount2 |
|---|---|---|
| Level One | $15,000-$49,999 | $200 |
| Level Two | $50,000+ | $800 |
How it works
Step 1. Deposit new money into your new or existing Ameriprise Bank Savings Account by August 29, 2025.2 The minimum deposit to open a new account is only $100.
Step 2. Maintain a daily balance equal to or greater than your balance on July 14, 2025, plus at least $15,000 of New Money.2
Step 3. Receive either a $200 or $800 bonus, deposited into your Ameriprise Bank Savings Account.2
Limited time offer available between July 15 and August 29, 2025
Already have an Ameriprise Bank Savings Account? Make a deposit
Get a savings rate that's more than 7x the national savings average3
Ameriprise Bank Savings Account features
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.1,5
Make mobile deposits by logging into this savings account through the Ameriprise Financial app.5
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.6
Ameriprise Bank Savings Account is FDIC insured7 up to applicable limits.
This savings account has no monthly maintenance fees.8
Ameriprise Bank Customer Service Center is available from 7 a.m. to 7 p.m. Central time (CT) Monday – Friday for questions or support.
Disclosures:
The content of this page is informational only. Ameriprise® 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.
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.
1If you do not have secure site access or have any questions, please contact Ameriprise Bank Customer Service Center at 800.862.7919.
2Offers valid from July 15, 2025 to August 29, 2025 (“Offer Period”).
To receive the $200 bonus (“Level One”), you must:
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During the Offer Period, deposit at least $15,000 in New Money, defined below, into your Ameriprise Bank Savings Account (Account), AND
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Through December 31, 2025, maintain a daily balance equal to or greater than your balance on July 14, 2025 plus at least $15,000 in New Money. Withdrawals from the Account may affect your ability to earn this bonus.
To receive the $800 bonus (“Level Two”), you must:
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During the Offer Period, deposit at least $50,000 in New Money, defined below, into your Ameriprise Bank Savings Account (“Account”), AND
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Through December 31, 2025, maintain a daily balance equal to or greater than your balance on July 14, 2025 plus at least $50,000 in New Money. Withdrawals from the Account may affect your ability to earn this bonus.
“New Money” is money that is deposited into the Account directly from external accounts outside of Ameriprise Bank, FSB and its affiliates during the Offer Period. Deposits made by internal transfers from any Ameriprise accounts are not considered New Money.
Clients are eligible for only one of the bonus offers (Level One or Level Two); they cannot receive both.
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Bonus offers are only available to existing Ameriprise clients as of July 14, 2025.
Clients may make multiple deposits within the Offer Period to reach the $15,000 in New Money for Level One or $50,000 in New Money for Level Two. To remain eligible, your Account must be open and in good standing at the time the applicable bonus is credited to your Account. Limit of one bonus per customer. A customer who is an owner of an individual Account and/or a primary owner of multiple joint Accounts will be limited to one bonus. If all Level One or Level Two requirements are met, the appropriate bonus amount will be credited to the Account by March 31, 2026.
A $100 minimum deposit is required to open a new Account. The bonus will be reported as interest on IRS form 1099-INT and the recipient is responsible for any applicable taxes. Clients should consult a tax advisor; neither Ameriprise Bank, FSB nor its employees provide tax advice.
Other restrictions may apply. We reserve the right to modify or withdraw the Level One and/or Level Two offer at any time without notice. If we determine that clients have engaged in or plan to engage in abuse, gaming or fraud in connection with Level One or Level Two offers, they will not be eligible for any bonus offer.
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 Rate Sheet available at ameriprise.com.
3National savings average is based on the national deposit rate on savings deposit products published in the FDIC National Rates and Rate Caps as of 6/26/2025.
4Annual Percentage Yield (“APY”) is accurate as of 07/23/2025. 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.
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.
6The 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.
7For information regarding FDIC deposit insurance, please visit FDIC: Your Insured Deposits.
8For 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.
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