E*TRADE Premium Savings Account $800 Bonus

1. 1

   Open an account

   Open a new E*TRADE Premium Savings Account (Morgan Stanley Private Bank) using promo code SAVE800 between September 15, 2026 and January 10, 2027.

2. 2

   Deposit $20,000+ in new money (tiered payout)

   Deposit qualifying net-new funds within the first 30 days of account opening. $20,000-$99,999 sets the $400 tier; $100,000 or more sets the $800 tier.

3. 3

   Maintain the balance for 45 days

   Maintain an average daily balance meeting your Deposit Tier's Minimum Maintenance Balance ($20,000 or $100,000) for the 45-day maintenance period that begins on Day 31 after account opening. If your maintained balance is lower than your deposit tier, you are paid at the lower tier.

The cash credit is paid within 30 days after the 45-day maintenance period ends (about 105 days after account opening). The tier is set by whichever is LOWER of the Deposit Tier reached in the first 30 days and the Minimum Maintenance Balance actually held during the 45-day maintenance period -- if your deposit qualifies for $800 but your average daily balance during maintenance drops into the $20,000-$99,999 band, you are paid $400, not $800.

Account Details

Eligibility

Tips & Gotchas

• →Enter promo code SAVE800 when you open the account, or you will not be enrolled in the cash bonus.
• →This is a two-tier bonus, not a flat $800: $20,000-$99,999 in net-new funds pays $400, and $100,000 or more pays $800. Your final payout follows the LOWER of your Deposit Tier and your Maintenance Period average balance.
• →Net-new funds must come from outside E*TRADE and its affiliates; transfers from an existing E*TRADE checking or brokerage account do not count.
• →The account also earns a boosted 4.25% APY for six months, then reverts to the base rate.
• →Lifetime limit of two Premium Savings Account cash bonuses per customer.
• →This is a bank savings account from Morgan Stanley Private Bank (Member FDIC); no securities purchase is required.
• →This offer replaces the earlier $400 SAVING26 offer (window closed 9/30/2026); if you already have a Premium Savings Account opened under the old offer, this new enrollment window and code are for a NEW account only.

Community Data Points

Can You Earn This Bonus Again?

Fine Print

Open a new E*TRADE Premium Savings Account (Morgan Stanley Private Bank, Member FDIC) with promo code SAVE800 between September 15, 2026 12:00 AM ET and January 10, 2027 11:59 PM ET. Deposit at least $20,000 in net-new funds within 30 days to set your Deposit Tier ($20,000-$99,999 = $400; $100,000+ = $800), then maintain an average daily balance meeting that tier's Minimum Maintenance Balance for the 45-day maintenance period beginning Day 31. If the maintained balance falls into a lower tier than the deposit tier, the lower tier's cash credit is paid. The bonus pays within 30 days after the maintenance period. Reported on IRS Form 1099-INT. Verified on us.etrade.com/promo/savings on 2026-09-16.

Taxable income · Reported on 1099-INT

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