Bounty

California Bank & Trust Zions Wealth investment account bonus: is $500 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$500: more than leaving it at 4.15%

With $250,000 for 90 days, the tier that adds the most.

With the bonus4.96%
Leave it where it is4.15%

Yearly rate on $250,000 while it's there, bonus included.

Every tier

A smaller tier often wins: less cash away from what it earns now.

  • $50,000
    $125 bonus · 90 days
    +$125
  • $150,000
    $250 bonus · 90 days
    +$250
  • $250,000Best for you
    $500 bonus · 90 days
    +$500

The math

Compared with leaving $250k at 4.15%

Bonus
+$500
Interest while it's there
4.15% for 3 mo
+$2,558
What it'd earn at home
$250,000 at 4.15% for 3 mo
−$2,558
Extra
+$500
Works out to 5% a year on that cash, vs 4.15% at home.

Deposit $250,000 in new money. Terms checked Oct 10, 2026.

About this bonus

What it takes

  1. 1Deposit $250,000 in new money
Ends
No end date listed
Where
California
Pays while it's there
4.15% a year
Monthly fee
None
Cash stays
About 90 days
Bonus paid
Usually within 30 days of finishing

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the California Bank & Trust Zions Wealth investment account bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $250,000 tier adds +$500: the $500 bonus plus $2,558 interest, minus the $2,558 that cash would have earned in 90 days. The $150,000 tier adds +$250. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $250,000 in new money. Open to residents of California.

When does it end?

No end date is listed. The terms were last checked Oct 10, 2026.