Available nationwide, E*TRADE is offering a rate of 4.00% APY + $400 bonus when you open an Premium Savings Account. Keep reading to find out everything you need to know about E*TRADE.

Update 6/8/26: You can currently earn a $400 bonus (up from $250) valid through 9/30/26. The rate has increased to 4.00% APY (for six months with a new Premium Savings Account) from 3.75%. You can earn a competitive rate on your funds with an E*TRADE account and your funds will be FDIC insured up to the maximum amount of $250,000.

E*TRADE Premium Savings $400 Bonus

Earn a $400 cash bonus with a new Premium Savings Account using promo code SAVING26.

How to earn bonus:

• Open a new Premium Savings Account on etrade.com by September 30, 2026 using promo code SAVING26.
• Make a deposit. 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.
• Get rewarded! Maintain your balance for 45 additional days after the 30-day funding period ends to earn your cash bonus.

Terms:

• *To be eligible , you must apply promo code Saving26 at the time of account opening. This promotional code is intended for single use only.
  This offer is only valid for a new Premium Savings Account (PSA). This offer is not valid for Checking, Max-Rate Checking or line of credit accounts that we or our affiliates offer. IRA and non-IRA Brokerage accounts are ineligible. This offer is only eligible for one newly opened and funded Premium Savings Account (PSA) that is funded within 30 days of opening. Excludes non-U.S. residents, and residents of any jurisdiction where this offer is not valid. Customer may only be enrolled in one PSA cash bonus offer at a time. Cannot be combined with any other PSA cash bonus offers.
  Each customer is limited to a lifetime maximum of two new Premium Savings Account cash bonus offers. Offer may be removed at any time. Other restrictions may apply.
• **This offer is only valid for a new Premium Savings Account (“PSA”). This offer is not valid for Checking, Max-Rate Checking or line of credit accounts that MSPBNA or its affiliates offer. IRA and non-IRA Brokerage accounts are ineligible. The Promotional Annual Percentage Yield (“Promotional APY”) will be automatically applied to the account, and will remain effective for 180 days (the “Promotion Period”), after which it will automatically revert to the Standard Annual Percentage Yield (“Standard APY”) without requiring any action from you. Accounts must be opened by [date] to qualify for the Promotional APY. No minimum balance required, and the offer may be withdrawn at any time. Excludes non-U.S. residents, and residents of any jurisdiction where this offer is not valid. Other restrictions may apply. Please visit etrade.com/premiumsavings for more information.

About E*TRADE Premium Savings Account

E*TRADE is a leading online financial services firm that specializes in a first-class experience for the digitally inclined investor and trader, backed by personal professional guidance. Their mission is to enhance the financial independence of traders and investors through a powerful digital offering and professional guidance.

I’ll review E*TRADE Premium Savings Account.

E*TRADE Premium Savings Account Rate

To earn this generous rate, just maintain any amount and you can earn the high rate.

• Availability: Nationwide, Online
• Interest Rate: 4.00% APY
• Minimum Balance: None
• Maximum Balance: None
• Credit Inquiry: Soft pull
• Opening Deposit: $100
• Early Termination Fee: None listed, check with CSR

E*TRADE ACH Capabilities & Limits

Editor’s Note: Help us with the table above in the comment section if you have experience with E*TRADE’s ACH capabilities.

How to Earn E*TRADE Rates

1. Open a Premium Savings account from E*TRADE with an opening deposit of $100.
2. Input your info – Provide your name, address, phone, email and social security number or Tax ID.
3. Fund the account – Transfer funds electronically from an internal account here or an external account at another bank.
4. Earn 4.00% APY for balances of any amount.

Why You Should Sign Up For This Account

• Open a E*TRADE account online in just minutes
• Interest is compounded
• Easily waive the $10 fee by maintaining a daily balance of $100
• Free online banking to efficiently make transfers and payments
• FDIC insures your funds so you can have peace of mind

Bottom Line

The Premium Online Savings Account comes with no fees and is based online so you can keep track of your money at anytime. If you’re known to save and want high earnings with a experienced company, check out E*TRADE’s Saving Account and sign up with them today.

Feel free to share your experiences with this bank by commenting below. For more bank offers, see the complete list of Best Bank Rates!

Interested in Bank Bonuses? See our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, TD Bank, or CIT Bank.

Check back often to see the latest info on E*TRADE Premium Savings Account.

Available nationwide, E*Trade is offering a rate of 2.00% APY when you open a Max-Rate Checking from Morgan Stanley Private Bank. Update 9/9/25: We’ve added a $300 checking bonus valid through 12/31/25; the rate has decreased to 2.00% APY (from 3.30%). If you're looking to earn interest on your checking account funds, consider this account! E*Trade $300 ... Keep Reading↠