Raisin 开户奖励：最高 $1500 + 4% APY，存款90天可得

【2026.2 更新】Raisin 更新了开户奖励。现在最高可以获取 $1500 奖励+ 4%APY。需要大量的存款才能拿满奖励，不过只需要存 90 天，等效年利率最高有 7.04%，当做一个高息 Saving 用还蛮好的。Raisin 是一个各种小银行奖励的集合（都是 FDIC/NCUA 的），你选择自己喜欢的银行开户就行

• 申请链接

• https://shorturl.at/o8mw3

这个奖励也算不错的，我加到排行榜了

• 银行账户开户奖励排行榜【每月更新：最高 $3000 奖励】

如果你有足够的闲置资金，不妨在这几个高息账户中转移，可以无风险获取超高的年化收益！

• 高利息开户奖励排行榜【2026.2 更新：最高年化收益 27.23%】

你需要开户后 14 天内存入指定资金，并保持 90 天，奖励会在 90+30 天后发放

• $70 奖励：存入 $10k-$24.999k
• $175 奖励：存入 $24.99k-$49.999k
• $350 奖励：存入 $50k-$99.999k
• $750 奖励：存入 $100k $199.999k
• $1500 奖励：存入 $200k 以上

term 如下

¹New customers only. Earn a cash bonus when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive $70 for depositing between $10,000 and $24,499, $175 for depositing between $25,000 and $49,999, $350 for depositing between $50,000 and $99,999, and $750 for depositing between $100,000 and $199,999, and $1,500 for depositing $200,000 or more. To qualify for the bonus, your first deposit must be initiated between January 15, 2026, and February 28, 2026, by 11:59 PM ET, and the promo code HEADSTART 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 will be eligible for this bonus. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms.

可以计算一下等效年化收益，看你自己的资金量决定吧

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