Looking for a Raisin referral code? Use raymondw059011 to earn up to $1,000 when you sign up and make a qualifying deposit.
To earn the amounts shown in the Savings + CD Boost column below (which are optional and in addition to the welcome bonus), split your qualifying balance between a savings product and a CD — with at least $1,000 in the second category — within your 14-day funding window. Raisin also offers a separate recurring-deposit boost when you schedule two or more recurring deposits in your first 90 days. Your combined bonus is credited within 30 days after all requirements are met.
| Qualifying Balance | Welcome Bonus | Savings + CD Boost | Total Bonus |
| $10,000 to $24,999 | $40 | + $10 | $50 |
| $25,000 to $49,999 | $100 | + $25 | $125 |
| $50,000 to $99,999 | $200 | + $50 | $250 |
| $100,000 to $199,999 | $425 | + $75 | $500 |
| $200,000 or more | $900 | + $100 | $1,000 |
Here’s what you need to do:
- Sign up with Raisin and use the referral code raymondw059011 during registration. The program runs in monthly windows — the current one requires your first deposit between Sept. 1 and Sept. 30, 2026.
- Deposit at least $10,000 — you have a 14-day funding window from your first deposit to add more and reach a higher tier.
- Maintain your balance for 90 days after the initial deposit period.
About Raisin
Raisin, formerly known as SaveBetter, is a platform that connects people with high-interest savings accounts, money markets, and CDs from more than 100 banks and credit unions.
Raisin isn’t a bank itself. Instead, your money is deposited directly into accounts at the company’s partner banks and credit unions, giving you the security of FDIC insurance and competitive interest rates.
Raisin doesn’t move money daily between banks to capture the highest interest rate possible. Instead, it’s a solution for higher-net-worth individuals who want to manage their FDIC insurance across multiple accounts without dealing with numerous banks.
How Does The Raisin Bonus Compare?
This offer stands out if you compare it to other faster bank bonuses — those that pay out in 90 days or less.
| Platform | Welcome Bonus | Details |
| Raisin | Up to $1,000 | Raisin Referral Bonus |
| Current | $100 | Current $100 Bonus |
| Chime | $100 | Chime $100 Bonus |
| MoneyLion | $5 (+ $50 with direct deposit) | MoneyLion Referral Bonus |
| Greenlight | $50 | Greenlight $50 Bonus |
| Cash App | $5 | Cash App Referral Bonus |
Comparing offers? Our Bank Bonus Annualized Yield Calculator shows which bonus pays the highest effective rate for your deposit size and holding period.
