u/StrikeScribe

I got my Marcus Bank bonus credited to my online savings account one day after the 90-day maintenance period ended in May.

Here's the timeline:

Fall 2025 - Open Marcus Bank Online Savings account

January 29, 2026 - Receive an email saying if I add a certain amount of NEW funds from outside Marcus Bank to my Marcus Bank Online Savings account I'll get a bonus. The tiers are $100 bonus if I add $10,000; $750 if I add $50,000 and $1,500 if I add $100,000. I have to go to a web page to enroll in the offer by March 11. I have 10 calendar days from enrollment date to transfer in the necessary funds and then I have to maintain those funds in the Online Savings accounts for 90 days. The bonus will then be credited to the Online Savings account within 14 days after the 90 days ends. To ensure I don't transfer funds out from any Marcus Bank accounts and then transfer them back in to get the bonus, I have to maintain for 90 days after the 10-day period my Online Savings balance as of 6 p.m. Jan. 26 plus the added funds AND my total Marcus Bank balance including my CD accounts plus the added funds.

February 9, 2026 - Visit the website page for promotion (there's a URL provided in that email) and enroll in the offer. I receive a confirmation email that I'm enrolled in the offer. I'm told I have until Feb. 19 to transfer in the funds. A cash bonus tracker immediately shows up in my Marcus Bank account on the bank website and the Marcus app. It shows that I have until Feb. 19 to transfer the funds, how much in funds I've transferred in and the bonus I'm eligible for, the end of the maintenance period on May 20 and that I'm set to get the bonus by June 3. The bonus tracker is updated once a day so it can be a day or two before a transfer shows up in the tracker. After the transfers are completed - within a couple of days the tracker updates and accurately shows how much I've transferred in, the Online Savings account balance I must maintain and my total Marcus Bank balance I must maintain and the bonus I'm eligible for. I also get a warning that if any of my no-penalty CDs mature or are closed without the CD being renewed I must transfer the funds to the Marcus Bank Online Savings. If the funds go to an external account, that could bring the total balance down to the point I go down a bonus tier or not get a bonus at all.

Feb. 10 to Feb. 13, 2026 - I add an external account to Marcus Bank and I have Marcus Bank pull all the funds from the other bank in four transfers spread out over four days. The advantage of doing this is I'm credited the interest starting from the moment I initiated the ACH pull. There's not the typical one to three business day hold before interest may accrue. However, funds may not be available for withdrawal for about a week to 10 days. So for an ACH pull transfer scheduled on Feb. 10, the funds would not be available until Feb. 18. I find that if I time the transfer for after 3 p.m., the money doesn't leave the external account until the next business day meaning I'm being credited the interest for that day with Marcus Bank and the other bank. If I scheduled the transfer prior to 3 p.m. or 2 p.m. then the money leaves the external account by the end of the business day.

Feb. 20, 2026 - The 90-day maintenance period begins. I do not touch any funds during the maintenance period. Interest is credited on the last day of each month.

May 20, 2026 - 90-day maintenance period ends.
May 21, 2026 - The bonus is credited to my Online Savings account well before the June 3 deadline and the bonus tracker disappears.

I have had a Marcus Bank Online Savings account and five no-penalty CDs since fall 2025. In January, I designated beneficiaries for these accounts. A couple of days ago, I opened several additional no-penalty CD accounts. I realized on clicking on "Beneficiaries" in the account menu this morning that my beneficiaries are only listed as beneficiaries for the Online Savings account and original five no-penalty CD accounts. And they're not linked to the new no-penalty CD accounts. I clicked on "Edit beneficiary." At the bottom, is a series of check boxes for all Marcus Bank accounts you have. I checked the box for "Select all." I then had to re-enter the beneficiary's Social Security number and click "submit" to list them as beneficiaries for all of my Marcus Bank accounts. I did this for each beneficiary on my beneficiary list.

Marcus allows up to six beneficiaries. They must be "natural" people. You can not list a trust, charity or nonprofit, church or business as a beneficiary. You can only provide a U.S. address and U.S. phone number. For a beneficiary living abroad, I provided the U.S. address and U.S. phone number of their parent in the U.S. There doesn't appear to be a way to designate a percentage of funds each beneficiary should get other than equal shares. There's no option I see for contingent beneficiaries or estirpes where the children of the beneficiary get the money if the beneficiary dies before the account holder does. Luckily, you can with Marcus Bank designate beneficiaries online as some banks and often brokerages require you print out a form, complete it and sign it and upload the form.

If I had initially assumed that my beneficiaries listed for my existing Marcus Bank accounts would automatically be designated as my beneficiaries for my new CD accounts. That's not the case. And there's no prompt to designate beneficiaries when you open new CD accounts. I could see a lot of people not realizing they have to proactively manually link their beneficiaries to their new accounts as they open and close CD accounts.

This could end up being a frustrating mess for beneficiaries in the event of an untimely death where a beneficiary is listed as a beneficiary for only some of the accounts but not for a bunch of newer CD accounts that have funds transferred from the Online Savings account.

I have had a Marcus Bank Online Savings account and five no-penalty CDs since fall 2025. In January, I designated beneficiaries for these accounts. A couple of days ago, I opened several additional no-penalty CD accounts. I realized on clicking on "Beneficiaries" in the account menu this morning that my beneficiaries are only listed as beneficiaries for the Online Savings account and original five no-penalty CD accounts. And they're not linked to the new no-penalty CD accounts. I clicked on "Edit beneficiary." At the bottom, is a series of check boxes for all Marcus Bank accounts you have. I checked the box for "Select all." I then had to re-enter the beneficiary's Social Security number and click "submit" to list them as beneficiaries for all of my Marcus Bank accounts. I did this for each beneficiary on my beneficiary list.

Marcus allows up to six beneficiaries. They must be "natural" people. You can not list a trust, charity or nonprofit, church or business as a beneficiary. You can only provide a U.S. address and U.S. phone number. For a beneficiary living abroad, I provided the U.S. address and U.S. phone number of their parent in the U.S. There doesn't appear to be a way to designate a percentage of funds each beneficiary should get other than equal shares. There's no option I see for contingent beneficiaries or estirpes where the children of the beneficiary get the money if the beneficiary dies before the account holder does. Luckily, you can with Marcus Bank designate beneficiaries online as some banks and often brokerages require you print out a form, complete it and sign it and upload the form.

If I had initially assumed that my beneficiaries listed for my existing Marcus Bank accounts would automatically be designated as my beneficiaries for my new CD accounts. That's not the case. And there's no prompt to designate beneficiaries when you open new CD accounts. I could see a lot of people not realizing they have to proactively manually link their beneficiaries to their new accounts as they open and close CD accounts.

This could end up being a frustrating mess for beneficiaries in the event of an untimely death where a beneficiary is listed as a beneficiary for only some of the accounts but not for a bunch of newer CD accounts that have funds transferred from the Online Savings account.

In late March 2025, I applied for and was approved for a Citi Rewards Plus card with a 0% introductory APR period until June 30, 2026.

That card was product changed by Citi to a Strata but I kept the 0% introductory APR. My statements through May 2026 all said the 0% introductory APR was in effect until June 30, 2026.

On May 28, I product changed the card to a Citi Custom Cash.

While I lost any promo offers and the 10% point redemption bonus with the change, my understanding according to the representative in chat is I would keep the 0% introductory APR until June 30, 2026.

Can anyone here confirm that what the rep said about me keeping the 0% APR until June 30 despite the product change is true? If it's not true, then did the 0% APR end on May 28? Or will it end with the end of the next statement cycle on June 13 or June 14. I have a large balance on the card. My plan is to pay it off right on June 30 to maximize the interest I'm earning in a high-yield savings account on the amount I've set aside to pay off the balance. But I want to avoid any interest cost.

I just want to avoid any surprises or unexpected consequences of the product change.

My fourth and newest Citi Custom Cash card just arrived today on June 3. It was a product change on May 28 from my Citi Strata card, which was forcibly changed last July from a Citi Rewards+ card.

Time line:

June 13, 2021 - I apply for my first Citi Custom Cash and am immediately approved shortly after the card debuts to positive acclaim in Citi's credit-card lineup. 5% back on top spending category of statement cycle up to $500 in purchases. I get signup bonus of $200 after fulfilling $750 spend requirement first three months. Those who apply in branch get higher signup bonuses.

June 23, 2022 - Call customer service and convert my longstanding Citi Dividend card that dates back to at least 2009 to my second Citi Custom Cash. I hate the Dividend's $50 redemption minimum and it takes years for me to put enough spend on the card to get up to $50. The 5% quarterly categories prior to 2020 were often horrible but they did improve after 2021.

March 29, 2023 - Call customer service and convert my Double Cash that I've held since 2016 to be my third Citi Custom Cash. No reason to keep the Double Cash when I have the Wells Fargo Active Cash and what was then a 2% PayPal Mastercard plus the 2% cash back with an Apple Card with Apple Pay.

March 16, 2025 - on seeing the Reddit rumor (turned out to be true) that the Rewards Plus card is to soon be closed to new applications, I apply for a Rewards Plus card having opened only one new credit-card account the prior 12 months. I'm immediately approved and get the $200 sign-up bonus for $1,500 in spend plus a 15-month 0% intro APR.

April 8, 2025 - Rewards Plus card closed to new applications. Sporadic reports of product changes to Rewards Plus until May 5, 2025.

May 22, 2025 - Citi Stata card to replace Rewards Plus announced.

July 20, 2025 - Citi Rewards Plus gets forcibly product changed to Citi Strata benefits/reward features. 10% back on point redemptions and roundup points ended for Rewards Plus users except those who got the card during the prior 12 months. Those grandfathered benefits will last until July 19, 2026. Citi never sends me a new Strata card but updates the digital card in my iPhone Wallet to the Strata card. I continue to use the Rewards Plus plastic card.

May 26, 2026 - Someone posts in this subreddit that the Citi Custom Cash will be closed to applications by the end of the week. More information emerges that this is the end of the day on Thursday, May 28.

May 28, 2026 - I see the reports of the end of the Citi Custom Cash very early in the morning. Reluctant to let go of the last couple of months of the 10% on points redemptions due to expire July 19, 2026, I decide to roll the dice and seek a product change of my Strata to my fourth Citi Custom Cash so I can get 5% back on more spending categories. The loss of the Strata's 3% back on pet supply store purchases with the Strata I can make up with a Bank of America Customized Cash Rewards card by ordering pet supplies online for store pickup. I fire up the Citi app around 6:15 pm ET, go to chat and request a product change to Citi Custom Cash. The process takes only a few minutes. When I start the Citi app, the Strata card has become a Citi Custom Cash card.All images associated with the card are of the Citi Custom Cash in the app. If I tap the "Start earning" button, I can see that my card now has the rewards features of a CCC card. A rep on chat indicates it may take 30 days for the new reward features to take effect, but I believe that's wrong. All indications in the app are that the card retains the 0% APR period I got with the original Rewards Plus that expires at the end of June 2026. Not clear if at the end of the statement cycle, I'll get the 10% points back on the point redemptions two weeks before from the other Citi Custom Cash cards, even the rep in chat claimed that would happen.

Around 4 p.m., Citi Custom Cash closes to new applications. The next couple of days, multiple people say they've been able to still product change other Citi Cards (except the Costco and American Airlines cards and cards with annual fees whose accounts are less than a year old) to Citi Custom Cash cards including from the Double Cash and the Strata. One person reports applying for a Double Cash after May 28, being approved and then once the card shows up in the Citi app, going to chat and successfully product changing it to a Citi Custom Cash. But it appears that person won't get the sign-up bonus ($200 for $1,500 in spend) that came with the Double Cash.

May 31, 2026/June 1, 2026 - Make two test grocery purchases with the card through tap-2-pay on my iPhone. The image is still of a Strata card.

June 2, 2026/June 3, 2026 - The grocery purchases post and on the app, for the card, grocery stores is listed as the top spend category with the total amount from the two grocery purchases. I tap on the purchases in the app and checked "Earned points," and the app says they are "in progress."

June 3, 2026 - The blue plastic Citi Custom Cash card (looks like my three other Citi Custom Cash cards) arrives in the mail with a return address of a PO box in St. Louis, Missouri. I activate the card and consign my old Rewards Plus card to the plastic scrap heap. The digital card in my iPhone wallet still says it's a Strata but it works like a Citi Custom Cash.

After seeing a couple of horror stories of one or more people reporting not getting the bonus for opening an eTrade Premium Savings account, I got my bonus today. I believe the deadline to open an account to get the bonus was March 11.

That promotion has expired and I think now you can get a 4% APR for six months without a cash bonus for opening an eTrade Premium Savings account.

The promotion was a bonus from $300 to $2,000 depending on how much I deposited the first 30 days the account was open plus a guaranteed 3.75% APY for six months. After the 30-day funding period after account open ended, there was to be a required 45-day maintenance period of the required tier amount. Then eTrade Bank would credit the bonus to the account within 30 days of the end of the maintenance period. If for some reason, eTrade found I was ineligible for the bonus I would get an email notifying me of that within 105 days after account opening.

Here's the timeline.

March 3, 2026 - apply to open Etrade Premium Savings account. I double check that I've typed the "SAVE26" bonus code in the promo code field at the bottom of the first page and I clicked the "apply." button. One member of this subreddit indicated that they opened an account over the phone and while the rep indicated they entered the code the rep may have screwed that up. If you failed to enter SAVE26 in the promo code field and click apply, I don't think people got the bonus. I get a message saying my application is under review. I'm prompted to upload a copy of my Social Security card and a photo ID. I get a message indicating my application has to be reviewed. At some point either the evening of March 3 or March 4, the account is opened and I get an account number.

March 4 - I receive a secure message that can be read in the eTrade app telling me I'm enrolled in the bonus offer. The message includes the terms of the offer.

March 5 - I get confirmation the account is open by email. I get another email confirming I'll get the promotional APY rate of 3.75% for six months. I call customer service to try to fix an issue where the app is seeking to verify my address to give me permanent access to the app and it's not accepting my address. It's a long story, but the issue is resolved by March 6. Customer service rep confirms my bonus promotional code SAVE26 has been applied.

March 9 - I begin the process of adding the new eTrade account as an external account for a couple of my banks.

March 10 - I complete the verification process to authenticate the account is mine.

March 11 to March 25 - I ACH push enough funds into the ETrade Premium Savings account to qualify for a bonus. I had read on Reddit horror stories of their eTrade accounts being frozen if people added external accounts to the ETrade account and sought to "pull" the funds from elsewhere.

March 19 - I get an email and secured message from eTrade Bank saying I've added enough funds to qualify for the first bonus tier.

March 24 - I get an email and secured message from eTrade Bank reminding me that the period to add funds to qualify for a bonus tier is within 10 days.

April 2 - Funding period ends and maintenance period begins.

I get interest credited the last day of each calendar month.

May 17 - Maintenance period ends and 30-day clock starts for ETrade Bank o pay bonus.

June 3 - About 17 days after the maintenance period ended, bonus amount in the correct amount is added to my available balance and is shown as "in process." I also get a congratulations email and secured message from eTrade informing me the bonus amount is in the process of being credited to my account and I will receive it within 24 hours. The message says, "Congratulations! You ave met all the requirements for the cash bonus offer. You will now receive a cash bonus within the next 24 hours."