Is this bonus worth it for you?
Compare any bank or brokerage bonus to what your cash already earns.
+$287: more than leaving it at 7%
With $20,000 for 75 days, the tier that adds the most.
With the bonus13.99%
Leave it where it is7%
Yearly rate on $20,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$287$20,000Best for you$400 bonus · 75 days
- +$235$100,000$800 bonus · 75 days
The math
Compared with leaving $20k at 7%
Bonus
+$400
Interest while it's there
4.25% for 75 days
+$175
What it'd earn at home
$20,000 at 7% for 75 days
−$288
Extra
+$287
Works out to 14% a year on that cash, vs 7% at home.
Deposit $20,000 in new money within 30 days · Average $20,000 from day 31 to day 75. Terms checked Oct 9, 2026.