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 initial deposit of only $100.
Earn up to a $450 bonus1 with an Ameriprise Bank Savings Account
When you open a new Ameriprise Bank Savings Account you can:
- Earn the $250 bonus1 by depositing at least $35,000 of New Money into your account by June 30, 2025, and maintaining the balance through October 31, 2025.
- Earn the $200 bonus plus1 by establishing qualifying direct deposits of $1,500 or more per month by June 30, 2025, for at least five months.
You can earn up to $450 if you take advantage of both great offers!
Offer available through June 30, 2025.
Questions? Call the Ameriprise Bank Customer Service Center at 800.826.7919.
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.4
Make mobile deposits by logging into this savings account through the Ameriprise Financial app.4
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
Ameriprise Bank Savings Account is FDIC insured6 up to applicable limits.
This savings account has no monthly maintenance fees.7
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.
1Offer valid from April 23, 2025, to June 30, 2025 (“Offer Period”).
To receive the $250 Bonus Offer, you must:
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Deposit $35,000 or more in New Money into your Ameriprise Bank Savings Account (“Account”) by June 30, 2025. 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 other Ameriprise accounts are not eligible.
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Additionally, through October 31, 2025, you must maintain a daily balance equal to or greater than your balance on April 22, 2025, plus the $35,000 qualifying New Money.
To receive the $200 Bonus Offer Plus, you must:
Set up and maintain a Qualifying Direct Deposit(s) to your Ameriprise Bank Savings Account that totals at least $1,500 each calendar month for a minimum of five consecutive calendar months (total of $7,500). 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 at the secure site on ameriprise.com The first Qualifying Direct Deposit must be received during the Offer Period. Bonus Offer Plus is only available if the account does not have an existing direct deposit arrangement the month prior to the start of the Offer Period.
Qualifying Direct Deposits are new recurring deposits from your employer, payroll, pension or governmental benefits provider via Automated Clearing House (ACH). Deposits that do not qualify for Bonus Offer Plus include but are not limited to check deposits, peer-to-peer transfers, merchant transactions and bank ACH transfers not from employers.
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For both offers, you may make multiple deposits within the Offer Period to reach the $35,000 Required Amount for the Bonus Offer and/or multiple Qualifying Direct Deposits of at least $1,500 per calendar month for Bonus Offer Plus.
To remain eligible your Account must be open and in good standing at the time the bonus is credited to your Account. If all Bonus Offer or Bonus Offer Plus requirements are met, the appropriate bonus amount will be credited to your Account by January. 31, 2026 if you meet the criteria for both the Bonus Offer and Bonus Offer Plus you can receive both. Offers are only available to existing Ameriprise clients as of April 22, 2025.
The 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 the Bonus Offer and/or Bonus Offer Plus 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.
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.
2If you do not have secure site access or have any questions, please contact Ameriprise Bank Customer Service Center at 800.862.7919.
3Annual Percentage Yield (“APY”) is accurate as of 04/23/2025. 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.
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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