Is the loyalty bonus that the bank adds to saved money also considered usury, like other bank interest?

Saving in a usurious bank is a usurious loan because the stipulated interest is usury (riba). As for the interest paid by the bank to encourage the depositor, if it is stipulated explicitly or by custom, it is usury. If it is before the bank repays the deposit and without stipulation, it is unlawful (haram). If it is after repayment, it is also unlawful because the bank pays it to encourage the customer to remain with the bank. The questioner must repent, withdraw the deposit, and dispose of both types of interest in charitable ways.