Open an account, get up to a $1,500 cash bonus
Earn up to $1,500 when you sign up for Raisin and fund your account using code FRESHSTART.¹ The more you deposit, the more you can earn.
One platform. Many ways to save.
Bank
Product
APY
Raisin is not an FDIC-insured bank or NCUA-insured credit union and does not hold any customer funds. FDIC deposit insurance covers the failure of an insured bank and NCUA deposit insurance coverage covers the failure of an insured credit union.
New customer offer: here's how to earn up to $1,500
Select a savings product and sign up
Sign up for Raisin and deposit at least $10,000 by April 30, 2026. You must use code FRESHSTART when you fund your account.¹
Add funds to boost your bonus
The more you save, the more you can earn. Make multiple deposits within the first 14 days of enrolling and spread them across different savings products to maximize your bonus.
Maintain your deposits for 90 days to qualify for your bonus!
Why savers choose Raisin
Top rates, less work
Access exclusive rates from 100+ FDIC-member banks and NCUA-insured credit unions all in one place.
Deposits and security
Get $10M+ in FDIC or NCUA insurance through our partner network, subject to certain conditions.†
One secure login
Open and manage your savings accounts and tax documents with one secure login.
No fees
Raisin's platform is free to use, with no account fees or minimum balance requirements.
How Raisin works
Raisin connects you with federally regulated banks and credit unions so you can open, fund, and manage your savings— all in one secure place while earning your bonus.
1. Open your account
Create your Raisin login and confirm your savings offer with your selected bank.
2. Fund your account
Use code FRESHSTART when you fund your account to be eligible for your bonus.
3. Manage it all in one place
Track your balance, interest, and tax documents anytime through your secure Raisin dashboard.
Get $10M+ in FDIC or NCUA coverage
Raisin isn’t a bank. We partner with federally insured banks and credit unions that hold your deposits. That means your money is eligible for FDIC or NCUA insurance — up to $250,000 per institution, per depositor, subject to certain conditions.†
By spreading your savings across multiple partners, your money is protected well beyond what a single bank can offer.
Frequently asked questions
What is Raisin?
On our secure platform, you can open high-yield savings products and CDs with federally insured banks and credit unions — all managed through one login.
We partner with more than 75 financial institutions, giving you more choice and making top rates easier to reach than ever. Open an account with as little as $1 or manage six-figure balances with confidence knowing every deposit is held at an FDIC- or NCUA-member institution.
No fees. No minimums. Just a smarter way to grow your money.
Why open a savings account on Raisin?
Opening an account through Raisin gives new customers added benefits, including a cash bonus of up to $1,500 when eligibility requirements are met. You’ll also manage your account through the Raisin platform, where you can track your balance, interest, and tax documents, and explore other high-yield offers from federally insured banks and credit unions—all in one secure place.
How are deposits on Raisin protected?
Your deposits are held at federally insured banks and credit unions — not by Raisin.
This means your money is eligible for pass-through deposit insurance from the FDIC or NCUA, subject to certain conditions. This deposit insurance coverage protects deposits up to $250,000 per depositor, in the case of the failure of an insured institution.
Because Raisin partners with many federally insured institutions, you can spread your savings across multiple accounts and access $10M+ in total coverage†, all through one secure Raisin login.
How do I qualify for the HEADSTART Bonus, and can I add more funds?
To qualify, you must be a new Raisin customer who signs up between April 1 and April 30, 2026, and enters the promo code FRESHSTART during sign-up.
Deposit at least $10,000 within 14 days of your first deposit. You can make one or multiple deposits during this window, and your total deposited amount determines your bonus tier. You may add more funds during the 14-day window to reach a higher bonus tier.
Once the deposit window closes, your balance must remain at or above your qualifying bonus tier for 90 days. If your balance drops below that amount during the 90-day period, you may no longer be eligible for that bonus.
When are bonus payouts issued?
Bonus payouts are issued within 30 days after you successfully complete the 90-day maintenance period and meet all bonus requirements.
There’s nothing you need to do to claim it. Your bonus will be paid automatically to your Cash Account once you qualify.
Is this bonus available for more than one account per customer?
One of the key advantages of Raisin is the ability to open and manage multiple high-yield savings accounts and CDs from our partner banks, all in one convenient place. Your bonus is calculated based on your total qualifying balance across all of your Raisin account
Join the 1M+ others already earning more
Not sure where to start? We’re here to help.
Our support team is available Monday through Friday from 8 a.m. – 8 p.m. ET. Call 844-994-EARN (3276) or email us at support.us@raisin.com.
¹New customers only. Earn a cash bonus when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive $70 for depositing between $10,000 and $24,999, $175 for depositing between $25,000 and $49,999, $350 for depositing between $50,000 and $99,999, and $750 for depositing between $100,000 and $199,999, and $1,500 for depositing $200,000 or more. To qualify for the bonus, your first deposit must be initiated between April 1, 2026, and April 30, 2026, by 11:59 PM ET, and the promo code FRESHSTART must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for this bonus. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.
© 2026 Raisin SE. All rights reserved.
The Raisin name and logo are trademarks of Raisin SE. All other trademarks, logos, marks, and brand names are the property of their respective owners.
*APY means Annual Percentage Yield. APY is accurate as of April 8, 2026. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $1.00.
Raisin is not an FDIC-insured bank, and FDIC deposit insurance only covers the failure of an insured bank.
Raisin is not an NCUA-insured credit union. NCUA deposit insurance only covers the failure of an insured credit union.
Raisin does not hold any customer funds. Customer funds are held in various custodial deposit accounts. Each customer authorizes the Custodial Bank to hold the customer’s funds in such accounts, in a custodial capacity, in order to effectuate the customer’s deposits to and withdrawals from the various bank and credit union products that the customer requests through Raisin.com. The Custodial Bank does not establish the terms of the bank or credit union products and provides no advice to customers about bank or credit union products offered by the applicable bank or credit union through Raisin.com. Each customer also authorizes the Service Bank to move funds among the various banks and credit unions at the customer’s request. First International Bank & Trust (FIBT), Member FDIC, is the Service Bank. Bell Bank and Starion Bank, each Member FDIC, are the Custodial Banks.
†Based on $250,000 in FDIC or NCUA insurance coverage per insurable category of ownership at each partner bank or credit union on the Raisin platform (each a "Product Bank"), when aggregated with all other deposits held by you at such Product Bank and in the same insurable category. Deposits made through Raisin will be eligible to receive deposit insurance from the FDIC or the NCUA (each a "Deposit Insurer") in accordance with and up to the maximum amount permitted by law at each Product Bank. Raisin is not a bank or credit union and does not hold any customer funds. Funds are held at FDIC-insured banks and NCUA-insured credit unions. Deposit insurance covers the failure of an insured bank or credit union. Certain conditions must be satisfied for pass through deposit insurance coverage to apply. Customers may choose to deposit funds with identically registered accounts at different Product Banks on the Raisin platform to be eligible for Deposit Insurer coverage up to $10 million for individual accounts and $20 million for joint accounts when at least 40 Product Banks are utilized. Please be aware, however, that any deposits you have at a Product Bank, whether through the Raisin platform or outside the Raisin platform, that you may hold in the same capacity (such as in an individual capacity or joint capacity) count toward the applicable Deposit Insurer's deposit insurance maximum amount, and any such amounts that you hold in the same capacity at a Product Bank that exceed the maximum insurance coverage by the applicable Deposit Insurer will not be insured. For more information on FDIC deposit insurance, please see here. For more information on the NCUA share insurance fund, please see here. You are solely responsible for monitoring the amount of funds you have on deposit at each a Product Bank, whether through the Raisin platform or outside the Raisin platform, to confirm that the deposits you hold in the same capacity at each Product Bank do not exceed the maximum deposit insurance coverage provided by the applicable Deposit Insurer.