Premium Savings Bonus

New E*TRADE Premium Savings Account customers only. Must use promo code SPRING26 at account opening. Must deposit $20,000+ in net-new funds within 30 days — excludes transfers from existing E*TRADE or Morgan Stanley affiliate accounts. Must maintain average daily balance meeting minimum requirements for 45 days after the 30-day funding period. Bonus deposited within 30 days after the 45-day maintenance period. Lifetime maximum of two PSA cash bonus offers per customer. Cannot combine with other PSA bonus offers. No monthly fee. FDIC insured up to $500,000 under certain conditions. Also includes promotional 4.00% APY for 6 months. Bonus reported as interest on Form 1099-INT.