Available nationwide, the Valley Bank High-Yield Savings Account is offering an attractive 3.96% APY + up to $1000 bonus powered by Raisin.
Update 9/2/26: You can currently earn up to $1000 bonus through 9/30/26!
- New customer offer: here’s how to earn up to $1,000.
- A smart savings strategy starts with a strong foundation. Sign up with code STACK and deposit $10,000 or more to secure your welcome bonus while earning top rates.
- Earn an extra bonus on top when you split your qualifying total balance between a savings account and a CD.
- Customers will receive a Welcome Bonus of:
- $40 for depositing between $10,000 and $24,999;
- $100 for depositing between $25,000 and $49,999;
- $200 for depositing between $50,000 and $99,999;
- $425 for depositing between $100,000 and $199,999; and
- $900 for depositing $200,000 or more.
- Savings + CD Boost: Customers eligible for the Welcome Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.
- Savings + CD Boost eligibility is determined by your Welcome Bonus tier: customers depositing between;
- $10,000–$24,999 receive an additional $10;
- $25,000–$49,999 receive an additional $25;
- $50,000–$99,999 receive an additional $50;
- $100,000–$199,999 receive an additional $75; and
- $200,000 or more receive an additional $100.
- Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days of the initial deposit date will be eligible for the Welcome Bonus and Savings + CD Boost. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms.
Terms:
- New customers only. Earn a cash bonus (the “Welcome Bonus”) when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Welcome Bonus of $40 for depositing between $10,000 and $24,999; $100 for depositing between $25,000 and $49,999; $200 for depositing between $50,000 and $99,999; $425 for depositing between $100,000 and $199,999; and $900 for depositing $200,000 or more. If the Qualifying Deposit balance declines at any time during the maintenance period below the minimum required for a bonus tier, the customer will be placed in the bonus tier corresponding to the lowest Qualifying Deposit balance maintained during that period.
- Savings + CD Boost: Customers eligible for the Welcome Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.
- For the purposes of this promotion, High-Yield Certificates of Deposit constitute one product category; No-Penalty CDs and Callable CDs constitute a second product category; and Savings Accounts (including Money Market Deposit Accounts, High-Yield Savings Accounts, and Rate Lock Savings Accounts) constitute a third product category. Savings + CD Boost eligibility is determined by your Welcome Bonus tier: customers depositing between $10,000–$24,999 receive an additional $10; $25,000–$49,999 receive an additional $25; $50,000–$99,999 receive an additional $50; $100,000–$199,999 receive an additional $75; and $200,000 or more receive an additional $100.
- The Savings + CD Boost is optional and paid in addition to the Welcome Bonus. To qualify for the Welcome Bonus and Savings + CD Boost, your first deposit must be initiated between September 1, 2026, and September 30, 2026, by 11:59 PM ET, and the promo code STACK must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days of the initial deposit date will be eligible for the Welcome Bonus and Savings + CD Boost. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only, is non-transferable, and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.
About Valley Bank Savings Review
Empowering businesses is the core of Valley Bank’s mission. Working with businesses large and small, Valley Bank helps them bring their goals to fruition. There’s a reason they’re one of the leading commercial banks in the United States with over $61 billion in assets and more than 200 branches across the country.
With a history dating back to 1927, they’ve established themselves a trusted and respected partner not only in commercial banking, but in their communities as well. They’re proud to give back, with initiatives ranging from investments in small business and low-to-moderate income neighborhoods to fostering thousands of employee volunteer hours and millions of dollars in charitable giving.
For Valley Bank, putting their values into action is a priority and their work has a positive impact on their local community.
| Balance Requirement | APY Rate |
| $0.01+ | 3.96% APY |
Valley Bank Savings Rate
- Account Type: High Yield Savings Account
- Interest Rate: 3.96% APY
- Availability: Nationwide
- Minimum Balance: None
- Maximum Balance: None
- Credit Inquiry: Unknown
- Opening Deposit: $1 minimum
- Monthly Fees: None
- Early Termination Fee: None
(FDIC Insured)
An ATM card will be issued upon request. While the opening deposit must be made through an ACH transfer, additional deposits can also be made using the ATM card. Withdrawals can be made using the ATM card or through ACH transfer.
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| Valley Bank High Yield Savings | 3.96% APY + $1000 Bonus | Review |
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| SoFi Checking and Savings Account | 3.30% APY + $325 Bonus | Review |
| Betterment Cash Reserve | 3.25% APY | Review |
| Upgrade Premier Savings | 3.05% APY | Review |
Valley Bank ACH Capabilities and Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | ? | ? | ? | ? |
| Pull | ? | ? | ? | ? |
How to Earn Valley Bank Rate
- Click here to open an High-Yield Savings account from Valley Bank with an opening deposit of $1.
- Maintain any balance amount and earn the 3.96% APY rate.
Why You Should Sign Up For This Account
- 24/7 online access to funds.
- No fees from Raisin. $1 minimum deposit.
Bottom Line
Check out this offer from Valley Bank and open a High Yield Savings Account to earn the high rate today!
Interested in Bank Bonuses? See our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, TD Bank, or CIT Bank.
For more bank offers, see the complete list of Best Bank Rates!
Check back often to see the latest info on Valley Bank High Yield Savings Account.
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