E*TRADE HYSA $400 Bonus

Requirements

• Deposit $20,000+ net-new funds within 30 days of opening
• Maintain average daily balance meeting the $20,000 requirement for 45 days starting on day 31
• Open account using promo code SAVING26 between 6/5/26 and 9/30/26
• Lifetime limit of two new PSA cash bonus offers per customer; cannot combine with other PSA bonus offers
• Keep the account open and in good standing through payout (~105 days from opening) — a closed, defaulted, or restricted account forfeits the not-yet-paid bonus
• Net-new money only: transfers from other E*TRADE / Morgan Stanley Private Bank accounts do NOT count, and interest swept back out counts as an outflow
• Premium Savings Account only — Checking, Max-Rate Checking, line of credit, IRA and brokerage accounts are ineligible; one PSA cash bonus offer at a time, not combinable
• Promo code SAVING26 must be applied at account opening — single use only, cannot be added later
• Letting the average daily balance fall below $20,000 during the Maintenance Period disqualifies you outright — no partial bonus

Cash you need to float: $20,000

Timeline

1. Fund the account within 30 days of opening.
2. Maintain the qualifying balance/activity for 45 days.
3. Keep the account open 105 days to avoid clawback or early-close fees.

Bonus tiers

• $400 — Balance tier: park $20,000, hold 45 days

Closing the account (what we verified)

• Bonus typically posts within 30 days of completing requirements.
• Monthly fee: $0.

More E*TRADE bonuses

• E*TRADE IRA $5,000 bonus
• E*TRADE brokerage $1,500 bonus