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tunabreath 7.6K Views
Oct 19, 2026 9:44 PM

E trade premium savings account, 4.25% APY for 6 months, plus up to $800 bonus

E*Trade Financial
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E Trade offers its premium savings account with a boosted APY of 4.25% for 6 months plus earn up to an $800 bonus.

Open and fund a new Premium Savings Account with qualifying deposits by 1/10/2027. Terms apply.

Use promo code: SAVE800

1. Open account
Open a new Premium Savings Account on etrade.com by January 10, 2027 using promo code SAVE800.
2. Make a deposit
Add funds to earn a boosted 4.25% 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.
3. Get rewarded!
Maintain your balance for 45 additional days after the 30-day funding period ends to earn your cash bonus.

  • Earn $400 bonus by depositing $20,000 - $99,999
  • Earn $800 bonus by depositing $100,000 or more

https://us.etrade.com/promo/savin...r-learnhow
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
E Trade offers its premium savings account with a boosted APY of 4.25% for 6 months plus earn up to an $800 bonus.

Open and fund a new Premium Savings Account with qualifying deposits by 1/10/2027. Terms apply.

Use promo code: SAVE800

1. Open account
Open a new Premium Savings Account on etrade.com by January 10, 2027 using promo code SAVE800.
2. Make a deposit
Add funds to earn a boosted 4.25% 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.
3. Get rewarded!
Maintain your balance for 45 additional days after the 30-day funding period ends to earn your cash bonus.

  • Earn $400 bonus by depositing $20,000 - $99,999
  • Earn $800 bonus by depositing $100,000 or more

https://us.etrade.com/promo/savin...r-learnhow

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16 Comments

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Pro
Oct 20, 2026 1:36 AM
2K Comments
Joined Feb 2011
egkr
Pro
Oct 20, 2026 1:36 AM
2K Comments
awesome deal , thanks
1
Oct 20, 2026 2:52 AM
5.5K Comments
Joined Mar 2006
shade45Oct 20, 2026 2:52 AM
5.5K Comments
Do I need to open a brokerage account with it or can I just open the Savings account?
1
Oct 20, 2026 2:55 AM
710 Comments
Joined Jun 2014
Mangolover111Oct 20, 2026 2:55 AM
710 Comments
Does this require direct deposit or just new funds?
Oct 20, 2026 3:03 AM
85 Comments
Joined Feb 2009
jdeezyOct 20, 2026 3:03 AM
85 Comments
If this isn't a bank, this money isn't secured by fdic insurance. Some 'banks' play games with this - putting fdic on the website but not actually giving an account that has coverage. E.g., the money in an account at the 'bank' and all depositors in one account at an actual bank. So all of the account holders are just limited to the individual account insurance limit, not the limit per account.
If you want to gamble, go for it, but know other 'banks' have left people out of tens of thousands.
3
Pro
Oct 20, 2026 3:17 AM
13.9K Comments
Joined Apr 2005
TidalWaveOne
Pro
Oct 20, 2026 3:17 AM
13.9K Comments
Quote from jdeezy View quoted comment :
If this isn't a bank, this money isn't secured by fdic insurance. Some 'banks' play games with this - putting fdic on the website but not actually giving an account that has coverage. E.g., the money in an account at the 'bank' and all depositors in one account at an actual bank. So all of the account holders are just limited to the individual account insurance limit, not the limit per account.
If you want to gamble, go for it, but know other 'banks' have left people out of tens of thousands.
"Yes, the E*TRADE Premium Savings Account is FDIC-insured. While E*TRADE itself is a brokerage brand, the account is officially provided by Morgan Stanley Private Bank, National Association, which is a registered Member FDIC institution. [1, 2]"

https://us.etrade.com/bank/premiu...gs-account
1
Original Poster
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This user is an Expert in Home & Home Improvement
Oct 20, 2026 9:21 AM
14K Comments
Joined Jun 2011
tunabreathOct 20, 2026 9:21 AM
Original Poster
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Quote from Mangolover111 View quoted comment :
Does this require direct deposit or just new funds?

I see nothing about DD, just to deposit money.
Original Poster
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Oct 20, 2026 9:21 AM
14K Comments
Joined Jun 2011
tunabreathOct 20, 2026 9:21 AM
Original Poster
Pro
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This user is an Expert in Home & Home Improvement
14K Comments
Quote from jdeezy View quoted comment :
If this isn't a bank, this money isn't secured by fdic insurance. Some 'banks' play games with this - putting fdic on the website but not actually giving an account that has coverage. E.g., the money in an account at the 'bank' and all depositors in one account at an actual bank. So all of the account holders are just limited to the individual account insurance limit, not the limit per account.
If you want to gamble, go for it, but know other 'banks' have left people out of tens of thousands.

FDIC insured, no worries. Clearly states that.

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Oct 20, 2026 10:42 AM
936 Comments
Joined Jul 2016
mike312Oct 20, 2026 10:42 AM
936 Comments
You recently attempted to enroll in a promotion from Morgan Stanley Private Bank. Unfortunately, you do not meet the offer eligibility requirements to qualify for enrollment in the promotion.

We apologize for the inconvenience. Thank you for your interest in Morgan Stanley Private Bank.
Oct 20, 2026 1:12 PM
5.7K Comments
Joined May 2004
PRINTABLECOUPONOct 20, 2026 1:12 PM
5.7K Comments
Code can be applied to Premium Savings Account.
Remove

is that some weird glitch or never seen anything say it can be applied but is it?
Oct 20, 2026 2:39 PM
1 Comments
Joined Mar 2023
SmartLake251Oct 20, 2026 2:39 PM
1 Comments
Can 2 accounts be open?
Original Poster
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Expert
This user is an Expert in Home & Home Improvement
Oct 20, 2026 7:39 PM
14K Comments
Joined Jun 2011
tunabreathOct 20, 2026 7:39 PM
Original Poster
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This user is an Expert in Home & Home Improvement
14K Comments
Quote from shade45 View quoted comment :
Do I need to open a brokerage account with it or can I just open the Savings account?
Just savings.
Oct 21, 2026 6:22 AM
18.4K Comments
Joined Sep 2006
SuperorbOct 21, 2026 6:22 AM
18.4K Comments
Quote from SmartLake251 View quoted comment :
Can 2 accounts be open?
Read the fine print. These are usually 1 per person, but sometimes they are 1 per address.
Oct 25, 2026 6:38 PM
4.9K Comments
Joined Dec 2009
rdcrdsOct 25, 2026 6:38 PM
4.9K Comments
to get 800 requires 100k ouch the 400 is not hard so which one are people doing?
1
Oct 28, 2026 3:21 PM
1.4K Comments
Joined Aug 2012
igorjrrOct 28, 2026 3:21 PM
1.4K Comments
Quote from PRINTABLECOUPON View quoted comment :
Code can be applied to Premium Savings Account.
Remove

is that some weird glitch or never seen anything say it can be applied but is it?
Weird, but works. I opened like that and got a notice on my E-trade inbox that my Savings is enrolled in the promotion.

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Nov 3, 2026 3:37 PM
1.5K Comments
Joined Aug 2014
therealslickshadyNov 3, 2026 3:37 PM
1.5K Comments
Says code save800 is invalid?

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