Bounty

Johnson Financial Group Essential Savings bonus: is $2,500 worth it?

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

+$264: more than leaving it at 4.15%

With $100,000 for 90 days, the tier that adds the most.

With the bonus5.22%
Leave it where it is4.15%

Yearly rate on $100,000 while it's there, bonus included.

Every tier

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

  • $10,000
    $250 bonus · 90 days
    +$152
  • $100,000Best for you
    $1,250 bonus · 90 days
    +$264
  • $250,000
    $2,500 bonus · 90 days
    +$34

The math

Compared with leaving $100k at 4.15%

Bonus
+$1,250
Interest while it's there
0.15% for 3 mo
+$37
What it'd earn at home
$100,000 at 4.15% for 3 mo
−$1,023
Extra
+$264
Works out to 5.2% a year on that cash, vs 4.15% at home.

Deposit $100,000 in new money within 1 day · Keep $100,000 there until day 90 · Open or have an existing Johnson Bank consumer checking account and maintain it for at…. Terms checked Oct 10, 2026.

About this bonus

What it takes

  1. 1Deposit $100,000 in new money within 1 day
  2. 2Keep $100,000 there until day 90
  3. 3Open or have an existing Johnson Bank consumer checking account and maintain it for at…
Ends
No end date listed
Where
Wisconsin
Pays while it's there
0.15% a year
Monthly fee
None
Closing early
$35 within 90 days
Cash stays
About 90 days
Bonus paid
Usually within 120 days of finishing

Similar bonuses

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

Questions

Is the Johnson Financial Group Essential Savings bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $100,000 tier adds +$264: the $1,250 bonus plus $37 interest, minus the $1,023 that cash would have earned in 90 days. The $10,000 tier adds +$152. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $100,000 in new money within 1 day; keep $100,000 there until day 90; open or have an existing Johnson Bank consumer checking account and maintain it for at…. Open to residents of Wisconsin.

When does it end?

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