TradeUP limited-time bonus expires on August 31, Moomoo expires on July 31, so grab them while you can. A few other high-yield sign-up bonuses have been extended into October, so plan your timing and rotate through them one by one to get the highest return!

Summary table

This is a long article, so here's a summary table up front. For the full details and calculations, please see below. Since people choosing high-yield offers usually have enough capital, the table below calculates accounts and returns for funding requirements of $10,000 and above. Each tier has a different annualized return and holding period, so just pick the one that fits you best.

Name Funding requirement Deposit duration Annualized return Account link
TradeUP $10,000-$1,000,000 2 months-2 years 3.84-27.73% Sign-up link
Moomoo $10,000-$100,000 60 days-180 days 5.86%-20.27% Sign-up link
Etrade Saving $20,000 45 days 20% Account opening link
Citibank Checking $30,000-$200,000 45 days 6%-13.3% Account opening link
Capital One Saving $20,000-$100,000 90 days 9.3% Offer link
Etrade Brokerage $20,000-$5,000,000 60 days 1.09%-8.17% Account opening link
Barclays Saving $40,000 120 days 7% Open account link
HSBC Premier $150,000-$1,000,000 3 months 5.3%-7.3% Account opening link
Raisin $10,000-$200,000 90 days 6.1% Application link
CIT Saving $10,000-$250,000 6 months 4.1% Application link
Marcus Savings $10,000-$250,000 No limit 3.4%-4.4% Application link
Chase Checking $150,000-$500,000 90 days 2.4%-3.2% Account opening link

In fact, quite a few banks and brokerages now offer extremely high sign-up bonuses, but you usually have to deposit a lot of money to get them. Comparing bonus amounts directly isn't really fair, because putting in $10,000 for one month to get $200 and putting in $100,000 for three months to get $500 are very different in difficulty. So first, let's calculate the equivalent annualized return to show which account-opening bonuses are worth going after.

  • Equivalent annualized return = (sign-up bonus / funds) / (required deposit months / 12) + the account's own deposit APY

Example

  • For example, a savings account gives you a $1,000 sign-up bonus and requires $20,000 for 6 months; the account itself also pays 3% interest
  • Then the equivalent annualized return = ($1,000 / $20,000) / (6 / 12) + 3% = 13%, which is very worth applying for.

If you have extra funds lately, you could consider opening all of these high-annualized-return accounts and rotating your money through each one to enjoy benefits far better than a regular savings account. For example,

  • Say Bank A has an equivalent return of 8% and requires you to keep $10,000 for 6 months; Bank B has an equivalent return of 6% and requires you to keep $20,000 for 3 months; Bank C has an equivalent return of 7% and requires you to keep $10,000 for 12 months.
  • If you have $20,000, you can do Bank B first, then move the funds into A and C after that. This way, you can enjoy 6%+ APY for 15 months. That's much better than just leaving the money in a savings account earning 3.5%.

This article does not discuss bonuses triggered by direct deposit; it only covers bonuses you can earn by depositing money.

TradeUP Tiger Brokers (27.23%)

Offer details

The promotion has been extended through August 31, 2026. If you already opened an account before but never deposited funds, you can still participate. Tradeup has now fully updated its account opening bonus: register through our channel and make a deposit or transfer assets, and you can get up to 50 NVDA shares (worth about $196 each). In addition, you can also get the existing 5-stock raffle and 3% transfer bonus.

  • TradeUP sign-up link (if you have an SSN/ITIN, choose USA; if not, choose other country and just enter a U.S. address)

The best-value setup is to deposit $2,500, which gets you 1 NVDA share + 3 raffle entries + 4% APY. If you have enough funds, you can deposit $10,000 to get 2 NVDA shares + a chance to win 4 shares. You can deposit funds or transfer assets. The reward tiers are below, and they can all be stacked:

  • 【Site-exclusive bonus】Open a TradeUP account, deposit funds, and keep the funds there for a certain number of days to receive additional NVDA shares. Up to 50 NVDA shares.
  • 【Stock raffle】When you open an account, you can draw up to 5 stocks, each worth up to $1,800. For net deposits of $100-$2,499, you get 2 draws; $2,500-$9,999, 3 draws; $10,000-$99,900, 4 draws; and $100,000+, 5 draws. The odds are 95% for $10-$10; 3% for $20-$30; 1% for $30-$50; 0.8% for $50-$100; and 0.2% for $1,800.
  • 【3% transfer bonus】If you fund your account by transferring assets, you can also activate a transfer bonus of up to 3% (see the transfer section below for details).
  • 【High APY】The cash account offers a high APY for the first three months (it may fluctuate slightly over time).
  • Once you meet the requirements, the stocks will be distributed according to the table below.

【Note】Except for users in mainland China, Hong Kong, Singapore, Australia, and New Zealand, as well as users who do not have an SSN and cannot provide a U.S. mailing address, compliant users in other regions can claim the stock bonus. This brokerage can be opened with an SSN/ITIN as long as you have a U.S. address. You can provide a utility bill, credit card statement, bank statement, or other document showing the address you entered as proof.

Note that the NVDA shares are not distributed all at once. The specific distribution rules are below (terms). Please note that different tiers require you to keep the funds in place for different lengths of time, with the longest being 2 years. Also, if you withdraw funds and drop below the required tier during the reward period, later rewards will not be issued.

Based on common questions discussed in the consultation group, here is a summary to help everyone open an account, deposit funds, and claim rewards. FAQ:

  • If you transfer in from another brokerage via ACATS, can you still participate in the new-user NVDA bonus and the transfer bonus? Yes! You can also activate the random stock draw. So if you have another brokerage, transferring via ACATS is best — it’s like a triple dip! (details)
  • Do I need to separately sign up for the high-interest cash account? Yes. After opening the account, enroll on the promotion page.
  • Also, if your first deposit is very small, you can contact customer service and ask them to help you apply for additional stock-draw entries.

Return calculation

Let's calculate the equivalent annual return. Excluding the smallest first tier, the remaining tiers are 27.73%, 7.78%, 4.48%, and 3.84% (based on NVDA at $180; if it goes up, the return will be even higher). So if you can deposit $10,000 for two months, that's the best value. This does not include the value of the bonus stock you can choose; adding that in should make the return even higher.

Moomoo (20.27%)

Offer details

Moomoo has updated its signup bonus. Sign up through this site's exclusive link, meet the deposit requirements, and you can get up to $1,000 in NVDA stock + $30 Hynix stock. Idle cash can earn an exceptionally high 8.1% APY, and you can also enjoy one free year of Moomoo Engine advanced features. The best value is a $10,000 deposit, though considering the 8.1% APY, depositing more can also make sense. The promotion expires on July 31, so open an account and fund it before then!

[New users] Deposit to get up to $1,000 in NVIDIA bonus shares + $30 Hynix bonus shares + 8.1% APY + 1 free year of Moomoo Engine

  • Make a first cumulative deposit of $500 and receive $30 worth of NVDA shares -> 60-day lockup
  • Make a first cumulative deposit of $2,000 and receive a cumulative $100 worth of NVDA shares -> 60-day lockup
  • Make a first cumulative deposit of $5,000 and receive a cumulative $100 worth of NVDA shares + $30 Hynix shares -> 60-day lockup
  • Make a first cumulative deposit of $10,000 and receive a cumulative $200 worth of NVDA shares + $30 Hynix shares -> 60-day lockup
  • Make a first cumulative deposit of $50,000 and receive a cumulative $400 worth of free NVDA shares + $30 Hynix shares -> 120-day lockup (deliver $200 after 60 days and the remaining $200 after 120 days)
  • Make a first cumulative deposit of $100,000 and receive a cumulative $1,000 worth of free NVDA shares + $30 Hynix shares -> 180-day lockup (deliver $200 after 60 days, $400 after 120 days, and the remaining $400 after 180 days)

You can use your deposit to trade, or just leave it there to earn interest without trading. If you do trade, I recommend depositing more so you don’t end up falling below the minimum after losses! [New users] Account-opening bonus Cash Sweep

  • New customers can join cash sweep as soon as they open an account. The coupon will be sent to the account and needs to be activated in the app.
  • Idle cash can earn 3.35% APY + a 2-month 4.75% APY booster (supports deposits and withdrawals anytime + automatic trade settlement). This 8.1% APY applies only to the first $20,000 in cash deposits.

Note: Readers from Malaysia, Singapore, Canada, Australia, and Japan can also use this link. It will redirect based on your IP to different landing pages. Open a Moomoo account for the corresponding region (note that the supported asset classes, fees, and new-user perks vary by region; once you land on the page, check the detailed T&Cs for the specifics). This article is about Moomoo U.S. benefits and product features. If you apply with an SSN or ITIN and enter a U.S. address, you can still receive the bonus normally.

Return calculation

  • The first two tiers are too small, so calculating annualized return doesn't really mean much. For the remaining three tiers, taking into account bonus shares and cash sweep, the returns are 20.27%, 7.23%, and 5.86%. Choosing the $10,000 tier is pretty good. There's also an extra $30 SK, which can further improve it.

Etrade Saving 20%

Offer details

They've now boosted the APY on the Savings account to 4% for six months (then 3.25%), and if you deposit $20,000 within 30 days of opening, you can get an extra $400 bonus! All in all, it's pretty good. The offer expires on 9/30/2026.

The three steps are as follows:

  1. Open a new Premium Savings Account on etrade.com by 9/30/2026 using promo code SAVING26.
  2. Add funds to earn a boosted 4.00% APY for 6 months. Plus, you'll earn a cash bonus when you deposit at least $20,000 of qualifying new money within the first 30 days of account opening.
  3. Maintain your balance for 45 additional days after the 30-day funding period ends to earn your cash bonus.

Return calculation

Since you only need to keep the $20,000 there for 45 days, the 45-day return is 2%, which annualizes to an extra 16% return. Add the 4% APY they provide, and the total annualized return is 20%, which is still pretty good. And since the funds only need to be tied up for 45 days, it's a pretty good one to jump on.

Etrade Brokerage (8.17% APY)

Offer details

They’re now offering up to $10,000 in bonuses for the investment account. You need to deposit the required amount within 60 days of opening the account to qualify. The promotion ends on October 31, 2026. The terms say the bonus will be issued within 7 business days after the 60-day deposit period. It looks like, if you time it well, you only need to keep the money in for 67 days total, but it’s better to wait until you’ve received the bonus before moving the money out.

Return calculation

The bonus tiers are shown below. Although the ad says the maximum bonus is $1,500, you can actually get up to $10,000 if you bring in more money. For an investment account, the money is going in anyway, so you might as well park it in a money market fund and earn a decent yield. The direct returns for each tier are 5%, 3%, 1.5%, 0.6%, and so on. Since you don’t actually need to keep the money there that long, it’s pretty attractive. Here are the annualized returns for each tier:

  • $1,000: 27.24%
  • $5,000: 16.34%
  • $20,000: 8.17%
  • $100,000: 3.27%
  • $200,000: 2.72%
  • $500,000: 1.63%
  • $1,000,000: 1.63% (actually the same as $500,000)
  • $1,500,000: 1.82%
  • $2,000,000: 1.63%
  • $5,000,000: 1.09%

Citi Checking (13.3%)

Offer overview

Citi has refreshed its account-opening bonuses. Now the Checking account bonus can go up to $1,500 just for depositing money, and you only need to keep the funds there for 45 days.

The deposit bonus is pretty simple:

  • Deposit $30,000-$200,000 within 45 days to get $500
  • Deposit more than $200,000 to get a $1,500 bonus

Return calculation

The effective APY for the two tiers is 13.3% and 6%. The main advantage is that you only need to keep the money there for 45 days, which makes it great for quick in-and-out plays. If you have $30,000 in liquid cash, this is a very good deal.

Capital One (9.3% APY)

Offer overview

Capital Saving also has a promotion, with bonuses up to $1,500. On top of that, this savings account itself already earns 3.35% APY, so the combined return is pretty solid.

Return calculation

The deposit amount and bonus tiers are shown below. You need to deposit the required funds within 15 days of opening the account, keep the deposited money there for at least 90 days, and the bonus will be paid within 60 days after the requirements are met. With the extra 3.3% APY, the effective APY for the three tiers is 9.3%.

Barclays Saving 7% APY

AARP and Barclays are now running a savings account promotion together. Open the account, deposit $40,000 within 30 days, and keep it there for 120 days to get a $400 bonus (equivalent to an additional 3% APY). The savings account itself earns 4% APY, so with the bonus factored in, the effective APY is 7%, which is pretty good. If you happen to have spare cash, this is worth trying. The promotion ends on October 31, 2026.

If you’ve opened a Barclays savings account before, you may not be eligible for the bonus this time. You also need an AARP membership to open this account, which costs $15 at full price. You can buy it through your preferred cash-back portal, for example, for $15 cash back. Although AARP stands for the American Association of Retired Persons, in practice it’s just a membership program that anyone can join and it offers extra discounts from some merchants.

HSBC Premier Checking&Securities (6.67%)

Return calculation: If you open both the Checking and Securities accounts and put in $150,000, you can get a total of $1,500 + $1,000 by timing it to keep the money there for three months. That works out to a 6.67% return. The first tier is the best value.

Offer overview

HSBC has updated its new account-opening bonus. Now you can get up to $5,000 just for depositing money; no direct deposit is required anymore. Compared with the previous offer, the required deposit amount has increased. But since a Premier Relationship Savings account already earns around 3.3% annualized return, keeping the money there doesn’t really cost you anything and is similar to buying a certificate of deposit.

The requirements are: deposit the money within 20 days of opening the account, and you can keep it in the Premier Checking account, Premier Savings account, or Premier Relationship Savings account. The funds need to stay there for three consecutive months (to be safe, make it four months).

Return calculation

The first two tiers are equivalent to earning 1% over 3 months, which annualizes to 4%. Add the savings account’s own 3.3% APY, and you get a 7.3% annualized return, which is pretty good! The last two tiers are a bit lower, at 0.7% and 0.5%, which work out to effective returns of 6.1% and 5.3%.

  • $1,500 bonus: Deposit $150,000-$249,999
  • $2,500 bonus: Deposit $250,000-$499,999
  • $3,500 bonus: Deposit $500,000-$999,999
  • $5,000 bonus: Deposit $1,000,000 or more

Raisin (6.1 %)

Offer overview

Raisin has updated its account-opening bonus. Now you can get up to a $1,200 bonus + 4% APY. You need a large deposit to max out the bonus, but it works pretty well as a high-yield savings option. Raisin is a marketplace that aggregates bonuses from various small banks (all FDIC/NCUA-insured), and you can choose whichever bank you prefer to open with.

Return calculation

You need to deposit the required funds within 14 days of opening the account and keep them there for 90 days. The bonus will be paid 90+30 days later.

  • $50 bonus: Deposit $10,000-$24,999
  • $125 bonus: Deposit $24,990-$49,999
  • $250 bonus: Deposit $50,000-$99,999
  • $500 bonus: Deposit $100,000-$199,999
  • $1,000 bonus: Deposit $200,000 or more

As you can see, each tier gives you a 0.5% return over 90 days, which works out to 2% annualized. Add the account’s own 4.1% APY, and the effective APY is 6.1%. Of course, you can also complete the direct deposit requirement and get the maximum $200 bonus.

CIT Platinum Saving (4.1%)

CIT Platinum Saving has added a new account-opening bonus. With the saving boost, you can earn up to 4.1% APY! This boost rate lasts for 6 months, after which it reverts to 3.75% APY. In fact, many high-yield accounts today only pay around 3.5% APY, so this account is very generous. Note that the higher APY only applies to the portion of the balance above $5,000, but if you're here for the high yield, you're obviously not going to leave only that much in it. FDIC insurance is up to $250,000 per account, so it's better not to exceed that amount.

Marcus by Goldman Sachs Savings (3.75%)

The account itself currently earns 3.6% APY, so remember to open a new account through the referral link first to get the extra 0.25% rate bonus.

Chase Private Client (3.2%)

Chase Private Client can get up to $3,000 in bonuses. The effective APYs for the three tiers are 2.67%, 3.2%, and 2.4%, mainly because CPC's own rate is only 0.01%, which is basically insulting. But CPC does have some special consideration perks for card applications, which can be useful if you're planning to apply for cards. Just go with the second tier; it's basically comparable to an outside high-yield savings account.

Requirements:

  • Deposit $150,000-$250,000 within 45 days of opening and keep it for 90 days to get a $1,000 bonus.
  • Deposit $250,000-$500,000 within 45 days of opening and keep it for 90 days to get a $2,000 bonus.
  • Deposit $500,000 or more within 45 days of opening and keep it for 90 days to get a $3,000 bonus.

If you have opened one of these accounts within the past 12 months or closed one within the past 90 days, you are not eligible for the opening bonus.

Opening Bonus Roundup

These accounts offer very solid opening bonuses. You can pick the ones you're interested in and earn some extra income. Small amounts add up, and over a year you can earn quite a bit of money and travel funds from these financial accounts.