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Discover online savings account $150/$400 sign up bonus

So, back when I did this offer, it was only $200 for $25k and I'm not sure if they've changed the terms & conditions, but back when I did it, the only requirement was to deposit said amount, and you didn't need to hold the entirety of thy funds through the eligibility period. That was part of what made the Discover savings bonus unique. You could just deposit and withdraw. People even found a way to meet the requirements without technically depositing the full amount at once (look up "cancel trick" ... not sure if it still works). I'd read comments on doctor of credit if I were you, because In not sure how much has changed now that Cap1 took over. More on reddit.com

r/discover

16

9

July 16, 2025

Discover Bank $150/$200 Promotional Bonus Offer Question

The latest offer I got was for the 15K/25K to stay in the new account for at least thirty days after deposit. It’s in their terms and conditions. You never had the full $25K in at once, which barred you from getting the $200 bonus. Idk what else your terms may have stated, but if you have some time you might still be able to deposit the full $15K or $25K to get the appropriate bonus. This is not uncommon compared to other savings bonuses. More on reddit.com

r/discover

27

10

July 14, 2023

Discover Bank Promotions and Offers

Earn 5% Cashback Bonus on up to $1,500 in different category purchases each quarter, when you activate. That’s up to $75 cash back each quarter! Plus, you always earn Cashback Bonus on purchases when you use your Discover card. PROGRAM DETAILS (For Discover it® and Discover® More® cardmembers only): Applies to all categories: Purchases must be made with merchants in the U.S. To qualify for 5%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Even if a purchase appears to fit in a 5% category, the merchant may not have a merchant category code (MCC) in that category. Merchants and payment processors are assigned an MCC based on their typical products and services. Discover Card does not assign MCCs to merchants. Certain third-party payment accounts and digital wallet transactions may not earn 5% if the technology does not provide sufficient transaction details or a qualifying MCC. Learn more at Discover.com/digitalwallets . See Cashback Bonus Program Terms and Conditions for more information.PROGRAM DETAILS (For Discover it® and Discover® More® cardmembers only): https://www.discover.com/credit-cards/cash-back/cashback-calendar.html More on reddit.com

r/Discover_Bank

3

1

June 20, 2024

opened first time Discover savings with promo code. I transferred over $25k and only received $150 and not $200 as promised

chill, they told you they're looking into it, don't be so hasty. More on reddit.com

r/discover

14

0

June 12, 2023

Discover Card

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Discover is a credit card brand issued primarily in the United States. It was introduced by Sears in 1985 and is currently issued by Capital One. Discover was the first credit card … Wikipedia

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Company type Subsidiary

Industry Financial services

Genre Credit card

Factsheet

Company type Subsidiary

Industry Financial services

Genre Credit card

Discover

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Apply for a Credit Card Online from Discover

1 day ago - Learn more about Discover credit cards and apply for the best one for you, whether you need cash back, miles, a student credit card or a secured credit card.

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Forbes Advisor

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Discover Bonuses And Promotions – Forbes Advisor

December 2, 2025 - If you want to take advantage of ... there are a few other ways to earn rewards with a Discover account. : Up to $360 in Cash-Back Rewards per Year...

NerdWallet

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Best Bank Bonuses and Promotions for January 2026 (up to $3,000) - NerdWallet

2 hours ago - Chase Secure Banking℠: $125 bonus with no minimum direct deposit required. Chase Total Checking®: $400 bonus with $1,000 minimum direct deposit required. TD Complete Checking: $200 bonus with $500 minimum direct deposit required.

PNC Virtual Wallet® with Performance Select - Spend

$2,000.00

Wells Fargo Everyday Checking Account

$500.00

BMO Smart Advantage Checking

$25.00

U.S. Bank Smartly® Checking

$25.00

KeyBank Key Smart Checking

$10.00

Alliant Credit Union Ultimate Opportunity Savings Account

$100.00

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NerdWallet

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Discover Savings Bonus: $150 or $200 Promotion - NerdWallet

September 12, 2025 - The Discover savings bonus could get you $150 or $200. The bank also has some of the best savings rates on the market. Here's how to qualify for the bonus.

Discover

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Discover® 5% Cash Back Calendar

Earn 5% Cash Back at different places each quarter, up to the quarterly maximum when you activate. See terms & 5% Cash Back Bonus Calendar for more information.

Discover

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Discover - Personal Banking, Credit Cards & Loans

Discover offers online banking, reward credit cards, home equity loans, and personal loans to help meet your financial needs.

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Refer A Friend | Discover Card

With Discover's Refer-a-Friend program, get a statement credit for each friend that becomes a cardmember.

Hustler Money Blog

hustlermoneyblog.com › home › discover bank promotions for december 2025: earn up to 4.05% apy savings, cd

Discover Bank Promotions for December 2025: Earn Up to 4.05% APY Savings, CD

December 2, 2025 - Available nationwide, find current Discover Bank promotions & bonuses with top offers for Checking, Savings, CD & IRA accounts

reddit.com › r/discover › discover online savings account $150/$400 sign up bonus

r/discover on Reddit: Discover online savings account $150/$400 sign up bonus

July 16, 2025 -

Has anyone gotten this offer for $150 if you deposit $15,000 within 45 days and $400 if you deposit $45,000? I’m contemplating the offer but only if I can time it so that I can deposit $15,000 cash I have on hand in another HYS account and then have our direct deposits hit over the next 45 days to get us close to the $45,000 and figure out if I can find some more cash. My only question is - can I deposit and withdraw or does there have to be $45,000 total sitting in there at one time?

Top answer

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So, back when I did this offer, it was only $200 for $25k and I'm not sure if they've changed the terms & conditions, but back when I did it, the only requirement was to deposit said amount, and you didn't need to hold the entirety of thy funds through the eligibility period. That was part of what made the Discover savings bonus unique. You could just deposit and withdraw. People even found a way to meet the requirements without technically depositing the full amount at once (look up "cancel trick" ... not sure if it still works). I'd read comments on doctor of credit if I were you, because In not sure how much has changed now that Cap1 took over.

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It depends what the offer says. Does it say there is a holding period?

Yahoo! Finance

finance.yahoo.com › personal finance › banking

17 best new bank account promotions and bonuses for January 2026: Earn up to $3,000

2 weeks ago - To earn this bonus from CIT Bank, you must open a Platinum Savings account with the promo code PS2025. Then, make one or more deposits within 30 days of account opening: $225 cash bonus with a minimum deposit of $25,000, or ...

BankBonus

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Best Discover Bank Promotions & Bonus Offers for January 2026 | BankBonus.com

December 2, 2025 - Discover has fewer deals than some of the other big national banks, but they do offer a cash bonus for their savings account, an unlimited cash back match for new cardholders, and up to $360 cash back every year for checking account customers (see ...

reddit.com › r/discover › discover bank $150/$200 promotional bonus offer question

r/discover on Reddit: Discover Bank $150/$200 Promotional Bonus Offer Question

July 14, 2023 -

Recently opened a Discover online savings account to try and collect the $200 sign up bonus. According to the fine print, the only requirement is to deposit $25,000 into the account within the first 30 days of the account being open. I deposited $15,000 the first week that I had the account open, and then withdrew all of it a few days later with the expectation that I would deposit another $10,000 later this month and collect the full $200.

Despite what the fine print says, I just got off the phone with a CS rep who said that they were told by their supervisor that the deposited money has to remain in the account until the bonus credits to the account in order to receive the bonus. This blatantly contradicts the terms and conditions, so I was hoping to get some clarity from this sub. This question seems to have been asked on reddit in the past, but with a lack of clear answers and bank policies change over time anyway.

Thank you!

Edit: Made two more separate calls to Discover CS and both reps told me that I'm good and I'll receive the $25,000. Seems likely that the first was mistaken.