E*TRADE vs Charles Schwab: Brokerage Bonus Comparison

Updated July 2026 — See which brokerage bonus is better for you.

E*TRADE IRA Bonus

$10,000 bonus

Hold Period: 12 months
Qualifying Period: 60 days
Requirements: Open new eligible retirement account; Fund with $1,000 or more of new funds or securities within 60 days; Use promo code RETIRE26; Minimum $1,000 deposit within 60 days of account opening; Promo code RETIRE26 required at account opening; Eligible retirement account types: Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, SIMPLE IRA, Individual 401(k); Open eligible retirement account (Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, SIMPLE IRA); Fund account within 60 calendar days with $1,000+ new funds or securities; Use promo code RETIRE26 at account opening; Maintain funds in account for 12 months after 60-day funding period; Open new eligible retirement account (Traditional, Roth, Rollover, SEP, or SIMPLE IRA); Deposit $1,000 or more in new funds or securities within 60 days; Maintain funds in account for 12 months; Open new eligible IRA (Traditional, Roth, Rollover, SIMPLE, or SEP); Deposit $1,000 or more within 60 days of account opening; Enter promo code RETIRE26 at account opening; Deposit minimum $1,000 in new funds or securities within 60 calendar days of account opening; Maintain funds in account for 12 months after funding period to retain bonus; New funds or securities from external accounts; Deposits must be maintained for 12 months to avoid forfeiture; Deposit or transfer qualifying funds/securities within 60 days of account opening; Maintain deposited funds for 12 months from end of 60-day funding period; Deposit or transfer at least $1,000 of new funds or securities within 60 days of account opening; Open eligible retirement account (Traditional IRA, Roth IRA, Rollover IRA, Individual 401(k), SIMPLE IRA, SEP IRA, or Beneficiary IRA); Deposit minimum $1,000 within 60 days of account opening; Maintain funds/securities in account for 12 months from end of 60-day funding period; Minimum $1,000 deposit within 60 days; Fund with minimum $1,000 of new funds or securities within 60 days; Open eligible E*TRADE retirement account by 6/30/26; Fund account within 60 days with $1,000+ of new funds or securities; Maintain deposit (minus trading losses) for 12 months; Open eligible retirement account; Maintain funds for 12 months from end of funding period; Enter promo code RETIRE26 during account opening; Funds from external accounts (outside E*TRADE); Maintain funds for 12 months after the 60-day funding period to receive bonus; Open eligible retirement account (Traditional, Roth, Rollover IRA, or SEP/SIMPLE IRA); Deposit $1,000+ in new funds or securities within 60 days of account opening; Funds must remain in account for 12 months after 60-day funding period (minus trading losses); Open eligible E*TRADE retirement account (Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, SIMPLE IRA); Deposit minimum $1,000 of new funds or securities within 60 days; Minimum deposit of $1,000; Deposit or transfer from external account within 60 days of account opening; Funds must remain in account for 12 months from last day of 60-day funding period; Open new eligible IRA (Traditional, Roth, Rollover, SEP, SIMPLE); Fund account within 60 days of opening with $1,000+ of new funds or securities; Funds must be from external accounts; Maintain minimum deposit value for 12 months after 60-day funding period
Expires: October 30, 2026

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Charles Schwab Brokerage Referral Bonus

$1,000 bonus

Hold Period: 1 year
Qualifying Period: 45 days
Requirements: Open eligible retail brokerage or IRA account; Make qualifying net deposit within 45 days of account opening; Must be new to Schwab (excluding Stock Plan Services accounts); Deposit must be new to Schwab (not from affiliates); Open eligible account via referral link; Make qualifying net deposit within 45 days of opening account; Deposit must be new to Schwab (not transfers from Schwab affiliates); Maintain net deposit for at least 1 year (minus market losses); Open an eligible retail brokerage account or IRA; Enroll in the offer using an existing client's referral code; Make a qualifying net deposit within 45 days of enrolling; For taxable accounts: maintain the net deposit amount (less market losses) for at least 1 year; Open eligible Schwab retail brokerage account or IRA using referral code; Make qualifying net deposit of cash or securities within 45 days; Deposit must be new assets outside Schwab; Maintain deposit for at least 1 year (for taxable accounts); Make qualifying net deposit of cash or securities within 45 days of account opening; Maintain the net deposit amount (less any market losses) for at least 1 year (taxable accounts)

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Bottom Line

E*TRADE offers a higher bonus ($10,000 vs $1,000). However, be sure to compare hold periods and requirements before deciding.

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E*TRADE vs Charles Schwab: Brokerage Bonus Comparison

Updated July 2026 — See which brokerage bonus is better for you.

E*TRADE IRA Bonus

$10,000 bonus

Hold Period: 12 months
Qualifying Period: 60 days
Requirements: Open new eligible retirement account; Fund with $1,000 or more of new funds or securities within 60 days; Use promo code RETIRE26; Minimum $1,000 deposit within 60 days of account opening; Promo code RETIRE26 required at account opening; Eligible retirement account types: Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, SIMPLE IRA, Individual 401(k); Open eligible retirement account (Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, SIMPLE IRA); Fund account within 60 calendar days with $1,000+ new funds or securities; Use promo code RETIRE26 at account opening; Maintain funds in account for 12 months after 60-day funding period; Open new eligible retirement account (Traditional, Roth, Rollover, SEP, or SIMPLE IRA); Deposit $1,000 or more in new funds or securities within 60 days; Maintain funds in account for 12 months; Open new eligible IRA (Traditional, Roth, Rollover, SIMPLE, or SEP); Deposit $1,000 or more within 60 days of account opening; Enter promo code RETIRE26 at account opening; Deposit minimum $1,000 in new funds or securities within 60 calendar days of account opening; Maintain funds in account for 12 months after funding period to retain bonus; New funds or securities from external accounts; Deposits must be maintained for 12 months to avoid forfeiture; Deposit or transfer qualifying funds/securities within 60 days of account opening; Maintain deposited funds for 12 months from end of 60-day funding period; Deposit or transfer at least $1,000 of new funds or securities within 60 days of account opening; Open eligible retirement account (Traditional IRA, Roth IRA, Rollover IRA, Individual 401(k), SIMPLE IRA, SEP IRA, or Beneficiary IRA); Deposit minimum $1,000 within 60 days of account opening; Maintain funds/securities in account for 12 months from end of 60-day funding period; Minimum $1,000 deposit within 60 days; Fund with minimum $1,000 of new funds or securities within 60 days; Open eligible E*TRADE retirement account by 6/30/26; Fund account within 60 days with $1,000+ of new funds or securities; Maintain deposit (minus trading losses) for 12 months; Open eligible retirement account; Maintain funds for 12 months from end of funding period; Enter promo code RETIRE26 during account opening; Funds from external accounts (outside E*TRADE); Maintain funds for 12 months after the 60-day funding period to receive bonus; Open eligible retirement account (Traditional, Roth, Rollover IRA, or SEP/SIMPLE IRA); Deposit $1,000+ in new funds or securities within 60 days of account opening; Funds must remain in account for 12 months after 60-day funding period (minus trading losses); Open eligible E*TRADE retirement account (Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, SIMPLE IRA); Deposit minimum $1,000 of new funds or securities within 60 days; Minimum deposit of $1,000; Deposit or transfer from external account within 60 days of account opening; Funds must remain in account for 12 months from last day of 60-day funding period; Open new eligible IRA (Traditional, Roth, Rollover, SEP, SIMPLE); Fund account within 60 days of opening with $1,000+ of new funds or securities; Funds must be from external accounts; Maintain minimum deposit value for 12 months after 60-day funding period
Expires: October 30, 2026

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Charles Schwab Brokerage Referral Bonus

$1,000 bonus

Hold Period: 1 year
Qualifying Period: 45 days
Requirements: Open eligible retail brokerage or IRA account; Make qualifying net deposit within 45 days of account opening; Must be new to Schwab (excluding Stock Plan Services accounts); Deposit must be new to Schwab (not from affiliates); Open eligible account via referral link; Make qualifying net deposit within 45 days of opening account; Deposit must be new to Schwab (not transfers from Schwab affiliates); Maintain net deposit for at least 1 year (minus market losses); Open an eligible retail brokerage account or IRA; Enroll in the offer using an existing client's referral code; Make a qualifying net deposit within 45 days of enrolling; For taxable accounts: maintain the net deposit amount (less market losses) for at least 1 year; Open eligible Schwab retail brokerage account or IRA using referral code; Make qualifying net deposit of cash or securities within 45 days; Deposit must be new assets outside Schwab; Maintain deposit for at least 1 year (for taxable accounts); Make qualifying net deposit of cash or securities within 45 days of account opening; Maintain the net deposit amount (less any market losses) for at least 1 year (taxable accounts)

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Bottom Line

E*TRADE offers a higher bonus ($10,000 vs $1,000). However, be sure to compare hold periods and requirements before deciding.