Raisin STACK Bonus: What You Really Get at Each Deposit Level

Bonus offers with a big “up to” number are easy to misread. Here is exactly what Raisin pays at each deposit level, how the 14 day and 90 day windows work, and whether it beats simply choosing the highest rate. If you are new to Raisin, start with is Raisin legit?

How much is the Raisin STACK bonus?

Deposited within 14 days	Welcome bonus	Savings + CD boost	Most you can get	As a share of the tier’s minimum
$10,000 to $24,999	$40	$10	$50	0.50%
$25,000 to $49,999	$100	$25	$125	0.50%
$50,000 to $99,999	$200	$50	$250	0.50%
$100,000 to $199,999	$425	$75	$500	0.50%
$200,000 or more	$900	$100	$1,000	0.50%

From Raisin’s STACK terms, checked Nov 3, 2026. The boost needs at least $1,000 in a second product category, funded within 14 days, with both balances kept above $1,000 for 90 days. If your balance drops during the 90 days, Raisin pays the tier matching your lowest balance.

At the bottom of each tier, the full bonus works out to 0.50% of your deposit. Near the top of a tier it is worth less: $24,999 still earns only the $10,000 tier’s $50, which is 0.20%.

How do you get it?

1. Sign up with code STACK. The code has to be entered at sign up, not added later.
2. Start your first deposit by Nov 30, 2026, 11:59 pm ET. Only money deposited within 14 days of that first deposit counts.
3. Reach at least $10,000 in total deposits within those 14 days. Several deposits are fine.
4. Optional boost: within the same 14 days, put at least $1,000 into a second product category. Raisin’s categories are high yield CDs; no penalty and callable CDs; and savings (including money market and rate lock savings).
5. Keep the money in for 90 days from your first deposit. Raisin credits the bonus to your Raisin Cash Account within 30 days after that.

The offer is for new Raisin customers only, cannot be combined with other Raisin bonuses, and Raisin can change or end it at any time.

Which accounts can you use?

Any partner bank savings account or CD on Raisin counts toward the deposit total. Two of the savings accounts Raisin is featuring:

Account on Raisin	APY	Notes
Western Alliance Bank High Yield Savings	4.30%	4.30% for the first 90 days, then the standard variable rate, currently 4.00% APY (as of Oct 27, 2026)
BMW Bank of North America High Yield Savings	4.15%	Variable rate

APYs as of Nov 4, 2026, from Raisin’s bank pages, checked Nov 3, 2026. Raisin’s minimum deposit is $1, but the bonus needs $10,000.

After the 90 day lock, Western Alliance’s account moves to its standard variable rate, which Raisin lists as 4.00% APY (as of Oct 27, 2026). More in how Raisin rate locks work. Raisin’s rate lock FAQ confirms rate lock accounts count toward STACK.

We review both accounts: Western Alliance on Raisin and BMW Bank.

Is the bonus worth it?

Take $50,000 in BMW Bank’s savings account at 4.15% APY. Over a year, if the rate holds, that earns about $2,075. Add the $200 welcome bonus and you get about $2,275, or $2,325 with the $50 boost if $1,000 of it sits in a CD instead.

Compare that with the top savings rate we track with no monthly rules, Pibank at 4.40% APY (valid as of Oct 21, 2026, checked at Pibank on Nov 2, 2026): about $2,200 on the same $50,000. The STACK bonus puts Raisin ahead in year one, by a small margin, as long as you keep the full balance for 90 days.

• Worth it: you have $25,000 or more to move this month, you are new to Raisin, and you are fine managing your savings through Raisin’s platform.
• Not worth it: you have less than $10,000, you might need the money within 90 days, or you would rather bank with a bank directly. Compare direct accounts in our best high yield savings accounts.

Is my money safe on Raisin?

Raisin is not a bank and does not hold customer funds. Your deposit sits in custodial accounts for your benefit at the partner bank you pick, and is eligible for pass through FDIC or NCUA insurance up to $250,000 per depositor, per institution, per ownership category, if certain conditions are met. Western Alliance Bank (FDIC certificate 57512) and BMW Bank of North America (certificate 35141) are both active FDIC insured banks. Read is Raisin legit? for how this works.

From Raisin’s disclosures and the FDIC BankFind database, checked Nov 3, 2026.

Other bonuses to compare

See every current savings offer in our best savings account bonuses, including the Barclays $200 bonus and the Axos ONE 5.00% APY promo.

Choosing between the two Raisin savings accounts we track? See BMW Bank vs Western Alliance on Raisin; deposits at both count toward one STACK tier.

Frequently asked questions

How much is the Raisin STACK bonus?

$40 to $900 depending on how much you deposit within 14 days, plus a $10 to $100 boost if you also put at least $1,000 into a second product type. The full $1,000 needs $200,000 or more.

What is the deadline for the Raisin STACK bonus?

Your first deposit must be initiated between Sep 1 and Nov 30, 2026, by 11:59 pm ET, and you must enter code STACK when you sign up.

How long do I have to keep the money on Raisin?

90 days from your first deposit. If your balance drops during that time, Raisin pays the bonus tier that matches your lowest balance.

When does Raisin pay the bonus?

Within 30 days after you meet all the requirements, into your Raisin Cash Account.

Can I use the Western Alliance rate lock account for the bonus?

Yes. Raisin says rate lock savings accounts count toward both the welcome bonus and the optional boost, if all other requirements are met.