Brokerage bonus
E*TRADE (Morgan Stanley Private Bank) · Premium Savings Account
Ends 2027-01-10
The terms
| Bonus | $400 at $20,000 · $800 at $100,000 |
|---|---|
| Minimum | $20,000 new money |
| Direct deposit | Not required |
| Money tied up | about 75 days |
| Fees | No monthly fee |
| Expires | 2027-01-10 |
| States | Nationwide |
| Credit pull | unknown |
| Promo code | SAVE800 |
How to actually get it
- Open a new Premium Savings Account by January 10, 2027 (promo code SAVE800).
- Deposit $20,000+ in net-new funds within 30 days of opening ($100,000+ for $800).
- Maintain the balance for the 45 days after the deposit period.
- Bonus paid within 30 days after that (by day 105).
Catches
- Brokerage accounts are not eligible; one Premium Savings Account per customer.
- Bonus may be subject to 24% backup withholding without a valid W-9.
| Early-closure fee | Not stated on the offer page. Keep the account open until the bonus posts. |
|---|---|
| ChexSystems / credit pull | Not stated by the bank. |
| Taxes | E*TRADE says cash bonuses are interest income reported on IRS Form 1099-INT. |
From https://us.etrade.com/promo/savings, checked 2026-10-24. Confirm on the bank's page before you open.
In their own words
Open a new Premium Savings Account on etrade.com by January 10, 2027 using promo code SAVE800. ... deposit at least $20,000 of qualifying new money within the first 30 days of account opening. ... Maintain your balance for 45 additional days after the 30-day funding period ends. $20,000 - $99,999: $400; $100,000 or more: $800. Now get 4.25% APY for 6 months.
Quoted from https://us.etrade.com/promo/savings, checked 2026-10-24.
See the offer at E*TRADE (Morgan Stanley Private Bank)Battle math
| Amount | 30 days | 90 days | 180 days | 365 days |
|---|---|---|---|---|
| $5,000 | — | — | — | — |
| $10,000 | — | — | — | — |
| $25,000 | — | +$662 | +$924 | +$1,463 |
| $100,000 | — | +$1,848 | +$2,896 | +$5,050 |
Dollars you keep = bonus + interest earned (APY over the days) − estimated fees. "—" means the amount or time doesn't qualify.
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