Which of the following could NOT be considered a bonus under Regulation DD?

Under Regulation DD, which implements the Truth in Savings Act (TISA), a bonus is typically defined as an incentive provided to consumers in addition to the basic terms of a savings account. This can be in various forms, including cash, merchandise, or gift cards.

Interest, however, is not classified as a bonus. Instead, it's a standard component of savings accounts, reflecting the financial institution's obligation to pay the account holder for the use of their funds. Interest is considered part of the account's overall terms rather than an additional incentive. Therefore, it would not fit the definition of a bonus as set forth by Regulation DD, which specifies that bonuses should represent something provided beyond the usual benefits of the account.

By recognizing how interest is integral to the savings process as opposed to a promotional offering, it becomes clear why it cannot be considered a bonus under this regulation.