{"slug":"e-trade-premium-savings-account-400","category":"bank","institutionSlug":"e-trade","product":"Premium Savings Account","title":"E*TRADE Premium Savings Account: $400 bonus","bonus":"$400","unit":"cash","amount":400,"reqShort":"Deposit $20,000+ new money within 30 days","expiresOn":"2026-09-30","status":"live","verifiedOn":"2026-07-19","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"No fee","keep":"","posts":"","applyDomain":"us.etrade.com","applyUrl":"https://us.etrade.com/promo/savings","summary":"E*TRADE's Premium Savings Account, offered through Morgan Stanley Private Bank, pays a $400 cash bonus and a boosted 4.00% APY for 6 months to new account holders. You need to open the account with promo code SAVING26 by September 30, 2026, deposit at least $20,000 in new money within 30 days, and maintain that balance for 45 more days to get the bonus.","reqSteps":["Open a new Premium Savings account by September 30, 2026 using promo code SAVING26.","Deposit at least $20,000 in net-new funds within the first 30 days of account opening.","Maintain the required balance for an additional 45 days after the 30-day funding period ends.","Receive the $400 cash bonus within 30 days after the maintenance period ends."],"finePrint":["Boosted 4.00% APY applies for 6 months from account opening, then reverts to the standard rate.","Maximum balance for the boosted rate is $10,000,000.","Net-new funds exclude transfers from other E*TRADE or affiliate accounts.","Existing Premium Savings account holders are not eligible for the boosted rate.","Limited to one enrolled cash bonus offer at a time and a lifetime maximum of two bonus offers.","Cash bonus is reported as interest income on IRS Form 1099-INT and may be subject to 24% backup withholding.","Account must remain open and in good standing to receive the bonus.","Offer may be modified or revoked at any time by the bank."],"listedOn":"2026-07-19","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"us.etrade.com offer page","url":"https://us.etrade.com/promo/savings","checkedOn":"2026-07-19"}],"needsVerification":true}