Answer:
بسم الله والحمد لله والصلاة والسلام على رسول الله
When money is deposited in a bank account, it is effectively a loan.
There is a general principle:
“Every loan which derives a benefit is riba (interest).” [1]
therefore a gift or reward from a bank which is stipulated, expected, agreed or customary is not permissible.
And Allah knows best
[1] كل قَرضٍ جرّ منفعة فهو ربا (Harith, Bayhaqi - slight variation in wording). The Hadith is weak. However, it is supported by other narrations and many sayings of the Companions, its meaning is correct, it is a fiqhi (juristic) principle, there is scholarly consensus and it is the practice of the scholars through the ages. For more information, see The Text of the Historic Judgment on Interest, Mufti Taqi Uthmani, 99-106: http://www.albalagh.net/Islamic_economics/riba_judgement.shtml
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