Browsing the web for the best savings account you can find and somehow landed on this post? No need to look further because I will do the heavy lifting and list out the Best Savings Account Deals, Bonuses, & Promotions for you!
It’s a smart financial decision to open some sort of savings or interest-bearing account for many reasons – reasons such as extra income, emergency funds, saving for a big purchase, and much more!
Below I’ll list out many of the top options that are available. For more details on the offers, we have our individual, in-depth reviews of those options that is accessible to you.
Find which banks have the best savings account and money market accounts with high interest rates! Find the highest savings interest rates and open an account today.
If you want to find out which accounts have the best saving rates, continue reading this guide to see which account offers the highest interest rates.
Editor’s Note: Want a more extensive list? We have a full list of the Best Savings Account Rates here. For more bank related offers, such as the best deals online, see our post on the Best Bank Promotions Online. For more the top deals in your state, see our post on the Best Bank Promotions in your state.
 |
 |
Best Savings Account Promotions
Chase Savings Account
The Chase Savings Account makes it easy to start saving. You’ll have access to chase.com and their mobile banking tools. Below is all the details you need to open a Chase Savings Account.
- Availability: AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KY, LA, MA, MI, NJ, NV, NY, OH, OK, OR, PA, TX, UT, VA, WA, WI, and WV.
- Expiration: Learn more at Chase
- Credit Inquiry: Soft Pull
- Credit Funding: None
- Opening Deposit Requirement: $10,000
- Direct Deposit Requirement: No
- Monthly Service Fee: Avoid the $5 monthly fee when you do at least one of the following each statement period:
- A balance at the beginning of each day of $300 or more in this account, OR
- At least one repeating automatic transfer of $25 or more from your personal Chase checking account (available only through chase.com), OR
- An account owner who is an individual younger than 18, OR
- This account is linked to a Chase Premier Plus CheckingSM, Chase SapphireSM Checking or Chase Private Client CheckingSM account
- Early Termination Fees: None listed
Account Requirements:
- To get started open a Chase SavingsSM Account.
- Next, you will have to fund the account with $10,000 within 20 business days.
- Lastly, you will have to maintain the account balance for 90 days.
- Finally you will receive your bonus within 10 business days.
CIT Bank Savings Builder Account
The CIT Bank Savings Builder Account is a tiered savings account that offers competitive APY rates for those carrying qualifying balances or looking to commit to a monthly qualifying deposit. Below is all the details you need to open a CIT Bank Savings Builder Account.
- Availability: Nationwide
- Expiration: None
- Credit Inquiry: Soft Pull
- Credit Funding: None
- Opening Deposit Requirement: $100
- Direct Deposit Requirement: No
- Monthly Service Fee: None; however, there is a $10 per outgoing wire fee on accounts with an average daily balance of less than $25,000
- Early Termination Fees: None listed
Account Requirements:
Simply open a new CIT Bank Savings Builder Account and meet certain requirements. To receive the upper APY Rate, open a new Savings Builder account. As an introductory offer, all new CIT Bank Savings Builder Accounts automatically earn the top APY tier for the first month. After the introductory offer has ended, the higher APY Tier can be earned by completing one of following requirements:
- High-balance savers – Maintain an account balance of $25,000
- Build a habit of saving with Tier Boost – Make at least one monthly deposit of $100 or more.
Discover Bank Online Savings Account
Looking for a savings account to deposit your excess funds in? Consider opening a Discover Bank Online Savings Account; available nationwide. No doubt that you would receive a much higher rate at an online establishment than you would at your local bank branch. Paired with phenomenal customer service, you can also earn a great rate on your funds with the Discover Bank Online Savings Account by signing up today!
 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.70% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
- Availability: Nationwide
- Expiration: None Listed
- Credit Inquiry: Soft Pull
- Credit Funding: None
- Opening Deposit Requirement: None
- Direct Deposit Requirement: None
- Monthly Service Fee: There are no monthly service fees with this account.
- Early Termination Fees: None listed
Account Requirements:
To earn interest on your deposit balance, simply open an online savings account with Discover Bank with no minimum opening balance. Get started and set up in just a matter of minutes. Open an online savings account in 3 easy steps, and you’ll be off saving before you know it.
- Enter your info: Register your address, phone, email and social security number (or other taxpayer ID).
- Fund your account: No minimum deposit to open. Fund with as much as you’d like. You can send Discover a check or transfer funds from an existing bank account.
- Done: Discover will send a confirmation email, then watch the mail for your Welcome Kit.
American Express Personal Savings Account
If you’re on the search for an interest bearing account with a competitive rate in addition to an institution you can depend on, this is one of the top accounts to consider! The American Express Personal Savings account as zero fees and you will earn a great rate while your money grows. Below is all the details you need to open a American Express Personal Savings Account.
 With the American Express® High Yield Savings account: • Earn 1.90% APY as of 8/15/22 on your deposits. Your High Yield Savings account earns interest daily and is posted to your account monthly. • Links easily with your current bank accounts. No need to switch banks. • FDIC Insured. Your account is insured to at least $250,000 per depositor. • 24/7 Account Access |
- Availability: Nationwide
- Expiration: None
- Credit Inquiry: Soft Pull
- Credit Funding: None
- Opening Deposit Requirement: Any
- Direct Deposit Requirement: None
- Monthly Service Fee: None
- Early Termination Fees: None listed
Account Requirements:
Simply open a new American Express Personal Savings account and fund your account and you will earn the stated interest rate. This account has no monthly fees or minimum deposit so I highly recommend checking this account out if you are interested in making the most out of your money.
BBVA Money Market Account
With a BBVA Money Market Account, you’ll get all the benefits of a traditional savings account—like easy access to your money—with a higher interest rate to grow your money faster. Apply for a money market account online and start saving more today. Below is all the details you need to open a BBVA Money Market Account.
- Availability: TX, CA, CO, AZ, NM, AL, FL (Online Only)
- Expiration: None
- Credit Inquiry: Soft Pull
- Credit Funding: None
- Opening Deposit Requirement: $25
- Direct Deposit Requirement: None
- Monthly Service Fee: None
- Early Termination Fees: None listed
Account Requirements:
Simply open a new Money Market Account online with a minimum opening deposit of $25 to start earning interest on your daily collected balance.
HSBC Direct Savings Account
The HSBC Direct Savings is an online-only savings account offered by HSBC. It is a great, low-hassle account on par with the best in the industry. They offer a competitive APY rate as well as a low opening deposit requirement. Below is all the details you need to open a HSBC Direct Savings Account.
- Availability: Nationwide
- Expiration: None Listed
- Credit Inquiry: Soft Pull
- Credit Funding: None
- Opening Deposit Requirement: $1
- Direct Deposit Requirement: No
- Monthly Service Fee: None
- Early Termination Fees: None listed
Account Requirements:
Take advantage of one of the best savings rates with an online-only HSBC Direct Savings account. Simply open a Direct Savings Account online and fund your account and then you will be on your way with earning a great APY rate.
(FDIC Insured)
UFB Direct High Yield Savings Account
The UFB High Yield Savings account offers a top-tier yield, but it also requires a minimum balance of $25,000 to earn it. Balances below that tier earn 0 percent. The High Yield Savings account doesn’t carry a maintenance fee.
- Availability: Nationwide
- Expiration: None Listed
- Credit Inquiry: Soft Pull
- Credit Funding: None
- Opening Deposit Requirement: $25,000
- Direct Deposit Requirement: No
- Monthly Service Fee: None
- Early Termination Fees: None listed
Account Requirements:
Simply open a new UFB Direct High-Yield Savings Account with $25,000 and start earning the listed APY Rate!
(FDIC Insured)
Synchrony Bank High Yield Savings Account
If you’re looking for a new savings account available nationwide, Synchrony Bank High Yield Online Savings is offering high yield on your funds. Synchrony Bank’s High-Yield Savings account offers one of the industry’s highest yields, and also offers several valuable features that many savings accounts don’t, such as ATM fee reimbursement.
- Availability: Nationwide
- Expiration: None Listed
- Credit Inquiry: Soft Pull
- Credit Funding: None
- Opening Deposit Requirement: $0.01+
- Direct Deposit Requirement: No
- Monthly Service Fee: None
- Early Termination Fees: None listed
Account Requirements:
- Open a Synchrony Bank High Yield Savings account.
- Earn 0.75% APY on all balances you put into your Synchrony Bank High Yield Savings account!
(FDIC Insured)
Barclays Online Savings Account
Available nationwide, Barclays is offering you one of the top yields on your funds for opening a new Barclays Online Savings Account. Barclays Online Savings checks many of the boxes for what’s essential for a savings account, including a high annual percentage yield (APY), a focus on cutting fees, and exceptional convenience.
- Availability: Nationwide
- Expiration: None Listed
- Credit Inquiry: Soft Pull
- Credit Funding: None
- Opening Deposit Requirement: $0.01+
- Direct Deposit Requirement: No
- Monthly Service Fee: None
- Early Termination Fees: None listed
Account Requirements:
- Open a Barclays Online Savings account.
- Earn 0.60% APY on all balances you put into your Barclays Online Savings account!
(FDIC Insured)
|
|
Author’s Verdict
This is just a brief list of what we consider as the Best Savings Account Deals, Bonuses, & Promotions. There are many more, so you are not limited to only those listed here. It is important to learn about all important details when opening a bank account such as hard or soft pull or what counts as a direct deposit.
At BankDealGuy, we strive to provide you the latest information on all bank deals and promotions. If you find another bank bonus we don’t know about, feel free to comment on any of our bank review pages and we will make sure to have the latest updates! Check out our full list of Bank Promotions!
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Private Client | $3,000 Cash | Review |
| U.S. Bank Business Checking | $900 Cash | Review |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| KeyBank Key Smart Checking® | $300 Cash | Review |
| Truist One Checking | $400 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| Chase High School CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up to $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
| SoFi Checking and Savings Account | $325 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $1,000 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $100 Cash | Review |
| Fifth Third Bank Checking | $400 Cash | Review |
| Axos Basic Business Checking | $400 Cash | Review |
| Axos Business Interest Checking | $400 Cash | Review |
| Axos Bank Business Premium Savings | $375 Cash | Review |
Leave a Reply