Is it lawful to accept interest from savings accounts?

Is it lawful/permissible to use the money given to me by the banks in non-Mulim (i.e. in the West) countries as a result of interest from a CD account, savings account with interest, or a promotional account in which you are rewarded (one time only) for opening a specific type of account and performing some banking activities?

It is permissible to receive and use the interest earned from non-Muslim banks as long as you do not stipulate the conditions of interest.

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