Bank

E*TRADE Checking Bonus — Up to $300

Bonus Tiers

Deposit	Bonus
2 direct deposits of $1,500+ each	$300

Qualifying Period

90 days from account opening

Payout

On or about day 120 from account opening

Requirements

✓Open Checking or Max-Rate Checking account online
✓At least 2 direct deposits of $1,500+ each within 90 days
✓Direct deposits must be regular recurring deposits of income (no transfers, P2P, wire transfers, check deposits, etc.)
✓2+ direct deposits of $1,500 or more each within 90 days of account opening
✓Account must be funded within 30 days of opening
✓Regular recurring income deposits (ACH Network)
✓Valid promo code required at application
✓Open a new Checking or Max-Rate Checking account
✓Use promo code CHECKING25 at account opening
✓Fund account within 30 days of opening
✓Receive at least 2 direct deposits of $1,500 or more each within 90 days of account opening
✓At least 2 direct deposits of $1,500 or more each within 90 days of account opening
✓Promo code CHECKING25 required at account opening
✓Account must be funded within 90 days of opening
✓Fund account within 90 days of opening
✓Make at least 2 direct deposits of $1,500 or more each within 90 days of account opening
✓Direct deposits must be regular recurring income deposits (salary, pension, government payments)
✓Open new Checking or Max-Rate Checking account
✓Apply promo code CHECKING25 at account opening
✓Make at least 2 direct deposits of $1,500 or more each within 90 days of opening
✓Promo code CHECKING25 must be applied at account opening
✓At least two Direct Deposits each of $1,500 or more within 90 days of account opening
✓At least 2 direct deposits of $1,500 or more each within 90 days of opening
✓Open a new Checking or Max-Rate Checking account with promo code CHECKING25
✓Fund account within 90 days of account opening
✓Direct Deposits must be regular recurring deposits of income (salary, pension, government payments)
✓Open a new Checking or Max-Rate Checking Account from Morgan Stanley Private Bank
✓Receive at least two direct deposits, each of $1,500 or more, within 90 days of account opening
✓Direct deposits must be regular recurring deposits of income (salary, pension, government payments) via ACH Network
✓Make at least 2 direct deposits, each of $1,500 or more, within 90 days of account opening
✓Direct deposits must be regular recurring deposits of income (salary, pension, government payments) through ACH Network
✓Two direct deposits of at least $1,500 each within 90 days of account opening
✓Account must be funded within 30 days of opening to remain open
✓Open a Checking or Max-Rate Checking account with promo code CHECKING25
✓Account must be funded within 30 days to remain open
✓Set up and receive at least 2 direct deposits, each of $1,500 or more, within 90 days of account opening
✓Receive at least 2 direct deposits each of $1,500 or more within 90 days from account opening
✓Direct deposits must be regular recurring deposits of income (e.g., salary, pension, government payments) through ACH Network
✓Account must be funded within 30 days of account opening

Restrictions

⚠New customers only
⚠No E*TRADE checking account in past 12 months
⚠One bonus per person
⚠Account must be funded within 30 days of opening
⚠New customers only (no checking account in past 12 months)
⚠One account per household
⚠Cannot be combined with other checking offers
⚠New customers only — not eligible if you owned/co-owned a Checking or Max-Rate Checking account within the last 12 months
⚠Valid only for individual and jointly owned accounts
⚠One account per offer period
⚠Must fund account within 30 days of opening
⚠Not eligible if you owned or co-owned a Checking or Max-Rate Checking Account within the last 12 months
⚠One per household/person
⚠Online account opening only
⚠Non-U.S. residents excluded
⚠One per individual (not jointly owned, though joint accounts can be opened)
⚠No Max-Rate Checking account ownership or co-ownership within the last 12 months
⚠Must open account online
⚠Individual and jointly owned Checking or Max-Rate Checking accounts only
⚠Must not have owned or co-owned a Max-Rate Checking or Checking Account within the last 12 months
⚠One offer per individual or joint account
⚠New U.S. residents only
⚠Account must be funded within 90 days of opening
⚠One per individual
⚠Must have no ownership of Checking/Max-Rate Checking account in last 12 months
⚠New customers only (no E*TRADE checking account in the past 12 months)
⚠One bonus per individual or joint account
⚠Account must be funded within 90 days of account opening
⚠Account must remain open and in good standing to receive bonus
⚠Excludes non-U.S. residents
⚠One account per individual per 12 months
⚠No prior checking account ownership in last 12 months
⚠Promo code CHECKING25 required at account opening
⚠One per household
⚠Not eligible if you have or had owned or co-owned a Checking or Max-Rate Checking Account within the last 12 months
⚠Individual and jointly owned accounts only (opened online)
⚠New customers only — not eligible if you have owned or co-owned a Checking or Max-Rate Checking Account within the last 12 months
⚠One per individual (one newly opened Checking or Max-Rate Checking account eligible per offer period)
⚠Individual and jointly owned accounts only; only primary account holder of joint account is eligible
⚠Account must be funded within 30 days of account opening
⚠New customers only — no Checking or Max-Rate Checking account ownership in last 12 months
⚠One bonus per individual (one bonus per household for joint accounts, only primary account holder eligible)
⚠Valid for individual and jointly owned accounts opened online only
⚠One bonus per individual
⚠No account ownership in the last 12 months
⚠Individual or joint accounts (primary account holder only for joint)
⚠Online accounts only
⚠One bonus per customer
⚠Only for individual and jointly owned accounts opened online
⚠New customers only — must not have owned or co-owned a Checking or Max-Rate Checking Account within the last 12 months
⚠Only the primary account holder of a joint account is eligible
⚠One per household — cannot be combined with other checking offers

Fees

Max-Rate Checking: $15/month maintenance fee (waivable with $5,000+ balance)
Max-Rate Checking: $15 monthly fee (waivable with $5,000 average monthly balance)
Checking: $0 monthly fee
$0 monthly fee for standard Checking
$15 monthly fee for Max-Rate Checking (waivable with qualifying balance)
$0 account fee for standard Checking
$15 monthly maintenance fee for Max-Rate Checking (waivable with $5,000 average monthly balance)
$0 account fees
No monthly maintenance fees
$15 monthly fee for Max-Rate Checking (can be waived with minimum balance)
Checking Account: $0 monthly fee
Max-Rate Checking Account: $15 monthly fee (with $5,000 minimum balance requirement to waive)
$0 monthly fee for standard Checking account
$15 monthly fee for Max-Rate Checking (waivable with qualifying requirements)
Regular Checking: No monthly maintenance fee
Max-Rate Checking: $15/month (waivable with $5,000 average monthly balance)
Basic Checking: No monthly maintenance fee
Checking: $0 monthly maintenance fee
Max-Rate Checking: $15 monthly maintenance fee (waivable with $5,000 average monthly balance)

For joint accounts, only the primary account holder (first signer) receives the bonus
Promo code CHECKING25 must be used at account opening
Direct deposits must be regular recurring deposits of income from employer or government agency
Does not include wires, check deposits, P2P transfers, Zelle, internal transfers, or merchant transactions
Bonus will be assessed and processed after first 90 days, which can take up to 30 days additional
Bonus posting expected on or about day 120 from account opening
Direct Deposit means regular recurring deposit of income to account holder's account
Direct deposits must be regular recurring deposits of income (salary, pension, government payments) through ACH; other types of deposits do not qualify
No minimum initial deposit required to open
Account must be funded within 30 days to remain open
Direct Deposit must be regular recurring deposits of income through ACH Network (not wires, P2P transfers, mobile deposits, or merchant transactions)
Bonus status assessed after 90 days, processing can take up to 30 days additional
Gaming/abuse of offer (e.g., maintaining low balance, no regular transactions) may disqualify from bonus
Offer only valid for one account per individual; cannot be combined with other checking offers
Bonus may be reclaimed if account is closed within 6 months of opening
Direct deposits must come from employer, payroll provider, or government agency through ACH Network — other transfers (P2P, wire transfers, Zelle, etc.) do not count
Only one newly opened Checking OR Max-Rate Checking account per customer is eligible
Account assessment and bonus processing occur after 90 days and can take up to 30 days
Direct Deposit must be regular recurring income (salary, pension, government payments) through ACH Network
Excludes non-U.S. residents
Only one checking offer allowed at a time; cannot be combined with other checking offers
E*TRADE may assess gaming or abuse (e.g., deposit activity not made in good faith, maintaining low balance, not conducting regular banking transactions)
Only the primary account holder is eligible for bonus on joint accounts
Cannot open both Checking and Max-Rate Checking at the same time for bonus eligibility
Direct deposits must be regular recurring income via ACH
Offers cannot be combined with other checking promos
For joint accounts, only primary account holder receives bonus
Direct Deposits do not include: incoming wires, check deposits, mobile check deposits, P2P transfers (PayPal, Venmo), merchant transactions, Zelle payments, Real-Time Payment network transactions
Only one newly opened Checking OR Max-Rate Checking account eligible per offer
Cannot be combined with other checking offers
Account eligibility assessed after first 90 days; bonus processed within 30 days thereafter
Cannot be combined with any other checking offers
Cannot open and enroll both Checking and Max-Rate Checking at the same time under this offer
Invalid direct deposits include wires, P2P transfers (PayPal, Venmo), merchant transactions (PayPal, Stripe, Square), Zelle payments, and other non-ACH sources
Bonus treated as income/interest for tax purposes
May be forfeited if account shows signs of abuse, misuse, or gaming activity
Status assessment and processing occurs after first 90 days, taking up to 30 days
Non-qualifying direct deposits (P2P transfers, wires, check deposits, PayPal, Venmo, Zelle, etc.) do not count
Banking products provided by Morgan Stanley Private Bank, National Association, Member FDIC
Direct deposits must be regular recurring deposits of income (salary, pension, government payments)
ACH transfers, P2P transfers, wire transfers, and check deposits do not count
Bonus assessment occurs after first 90 days; processing takes up to 30 days additional
The bonus is treated as income and subject to taxation
If account shows gaming, abuse, or misuse, bonus may be forfeited
Cannot combine with other checking offers
Bank account bonuses are treated as taxable income
Account subject to fraud review and verification
E*TRADE reserves the right to deny bonus if account shows abuse or gaming (e.g., low balance, no regular banking activity)
Direct Deposits that are not regular recurring deposits of income do not constitute Direct Deposit activity, including wires, check deposits, mobile check deposits, P2P transfers (PayPal, Venmo), merchant transactions (PayPal, Stripe, Square), Zelle payments, Real-Time Payment network transactions, or Transfer Money transactions

Sign-Up Bonus

$300

View Promo Terms →

Last updated July 6, 2026

Saved source PDFs

Jul 6, 2026Change detected

Signup page DownloadTerms pagechangedDownload

Jun 28, 2026Change detected

Terms pagechangedDownload

Jun 21, 2026

Terms page Download

Discussion

Loading discussions...

How to evaluate E*TRADE Checking Bonus

Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.

More bank bonuses →All E*TRADE offers →Maximize bank bonuses →Direct deposit bonus guide →

Qualification checklist

Timing

Qualifying period: 90 days from account opening
Payout timeline: On or about day 120 from account opening

How to qualify

Open Checking or Max-Rate Checking account online
At least 2 direct deposits of $1,500+ each within 90 days
Direct deposits must be regular recurring deposits of income (no transfers, P2P, wire transfers, check deposits, etc.)
2+ direct deposits of $1,500 or more each within 90 days of account opening

Common pitfalls

New customers only
No E*TRADE checking account in past 12 months
One bonus per person
Account must be funded within 30 days of opening

What makes this offer different

What makes this bank offer different

This is a bank-bonus fit for users who can satisfy a deposit rule quickly; the key comparison point is whether the required deposit type matches your normal cash flow.

Bonus value versus similar offers

The sign-up bonus is below the current nearby $2,000 median, so the requirements and any referral or portal stack matter more.

Requirement clarity

Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.

Frequently Asked Questions

How long do I have to qualify for E*TRADE Checking Bonus?

The qualifying period listed for E*TRADE Checking Bonus is 90 days from account opening.

When does E*TRADE Checking Bonus pay out?

The payout timeline listed for E*TRADE Checking Bonus is On or about day 120 from account opening.

Similar Offers

HSBC Premier Checking Bonus

$5,000 bonus

Wells Fargo Premier Checking Bonus

$2,500 bonus

Citi Checking Account Bonus — Up to $2,000

$1,500 bonus

Capital One Performance Savings Bonus

$1,500 bonus

Deposit

Bonus

2 direct deposits of $1,500+ each

$300

Requirements

✓Open Checking or Max-Rate Checking account online

✓At least 2 direct deposits of $1,500+ each within 90 days

✓Direct deposits must be regular recurring deposits of income (no transfers, P2P, wire transfers, check deposits, etc.)

✓2+ direct deposits of $1,500 or more each within 90 days of account opening

✓Account must be funded within 30 days of opening

✓Regular recurring income deposits (ACH Network)

✓Valid promo code required at application

✓Open a new Checking or Max-Rate Checking account

✓Use promo code CHECKING25 at account opening

✓Fund account within 30 days of opening

✓Receive at least 2 direct deposits of $1,500 or more each within 90 days of account opening

✓At least 2 direct deposits of $1,500 or more each within 90 days of account opening

✓Promo code CHECKING25 required at account opening

✓Account must be funded within 90 days of opening

✓Fund account within 90 days of opening

✓Make at least 2 direct deposits of $1,500 or more each within 90 days of account opening

✓Direct deposits must be regular recurring income deposits (salary, pension, government payments)

✓Open new Checking or Max-Rate Checking account

✓Apply promo code CHECKING25 at account opening

✓Make at least 2 direct deposits of $1,500 or more each within 90 days of opening

✓Promo code CHECKING25 must be applied at account opening

✓At least two Direct Deposits each of $1,500 or more within 90 days of account opening

✓At least 2 direct deposits of $1,500 or more each within 90 days of opening

✓Open a new Checking or Max-Rate Checking account with promo code CHECKING25

✓Fund account within 90 days of account opening

✓Direct Deposits must be regular recurring deposits of income (salary, pension, government payments)

✓Open a new Checking or Max-Rate Checking Account from Morgan Stanley Private Bank

✓Receive at least two direct deposits, each of $1,500 or more, within 90 days of account opening

✓Direct deposits must be regular recurring deposits of income (salary, pension, government payments) via ACH Network

✓Make at least 2 direct deposits, each of $1,500 or more, within 90 days of account opening

✓Direct deposits must be regular recurring deposits of income (salary, pension, government payments) through ACH Network

✓Two direct deposits of at least $1,500 each within 90 days of account opening

✓Account must be funded within 30 days of opening to remain open

✓Open a Checking or Max-Rate Checking account with promo code CHECKING25

✓Account must be funded within 30 days to remain open

✓Set up and receive at least 2 direct deposits, each of $1,500 or more, within 90 days of account opening

✓Receive at least 2 direct deposits each of $1,500 or more within 90 days from account opening

✓Direct deposits must be regular recurring deposits of income (e.g., salary, pension, government payments) through ACH Network

✓Account must be funded within 30 days of account opening

Restrictions

⚠New customers only

⚠No E*TRADE checking account in past 12 months

⚠One bonus per person

⚠Account must be funded within 30 days of opening

⚠New customers only (no checking account in past 12 months)

⚠One account per household

⚠Cannot be combined with other checking offers

⚠New customers only — not eligible if you owned/co-owned a Checking or Max-Rate Checking account within the last 12 months

⚠Valid only for individual and jointly owned accounts

⚠One account per offer period

⚠Must fund account within 30 days of opening

⚠Not eligible if you owned or co-owned a Checking or Max-Rate Checking Account within the last 12 months

⚠One per household/person

⚠Online account opening only

⚠Non-U.S. residents excluded

⚠One per individual (not jointly owned, though joint accounts can be opened)

⚠No Max-Rate Checking account ownership or co-ownership within the last 12 months

⚠Must open account online

⚠Individual and jointly owned Checking or Max-Rate Checking accounts only

⚠Must not have owned or co-owned a Max-Rate Checking or Checking Account within the last 12 months

⚠One offer per individual or joint account

⚠New U.S. residents only

⚠Account must be funded within 90 days of opening

⚠One per individual

⚠Must have no ownership of Checking/Max-Rate Checking account in last 12 months

⚠New customers only (no E*TRADE checking account in the past 12 months)

⚠One bonus per individual or joint account

⚠Account must be funded within 90 days of account opening

⚠Account must remain open and in good standing to receive bonus

⚠Excludes non-U.S. residents

⚠One account per individual per 12 months

⚠No prior checking account ownership in last 12 months

⚠Promo code CHECKING25 required at account opening

⚠One per household

⚠Not eligible if you have or had owned or co-owned a Checking or Max-Rate Checking Account within the last 12 months

⚠Individual and jointly owned accounts only (opened online)

⚠New customers only — not eligible if you have owned or co-owned a Checking or Max-Rate Checking Account within the last 12 months

⚠One per individual (one newly opened Checking or Max-Rate Checking account eligible per offer period)

⚠Individual and jointly owned accounts only; only primary account holder of joint account is eligible

⚠Account must be funded within 30 days of account opening

⚠New customers only — no Checking or Max-Rate Checking account ownership in last 12 months

⚠One bonus per individual (one bonus per household for joint accounts, only primary account holder eligible)

⚠Valid for individual and jointly owned accounts opened online only

⚠One bonus per individual

⚠No account ownership in the last 12 months

⚠Individual or joint accounts (primary account holder only for joint)

⚠Online accounts only

⚠One bonus per customer

⚠Only for individual and jointly owned accounts opened online

⚠New customers only — must not have owned or co-owned a Checking or Max-Rate Checking Account within the last 12 months

⚠Only the primary account holder of a joint account is eligible

⚠One per household — cannot be combined with other checking offers

Fees

Max-Rate Checking: $15/month maintenance fee (waivable with $5,000+ balance)

Max-Rate Checking: $15 monthly fee (waivable with $5,000 average monthly balance)

Checking: $0 monthly fee

$0 monthly fee for standard Checking

$15 monthly fee for Max-Rate Checking (waivable with qualifying balance)

$0 account fee for standard Checking

$15 monthly maintenance fee for Max-Rate Checking (waivable with $5,000 average monthly balance)

$0 account fees

No monthly maintenance fees

$15 monthly fee for Max-Rate Checking (can be waived with minimum balance)

Checking Account: $0 monthly fee

Max-Rate Checking Account: $15 monthly fee (with $5,000 minimum balance requirement to waive)

$0 monthly fee for standard Checking account

$15 monthly fee for Max-Rate Checking (waivable with qualifying requirements)

Regular Checking: No monthly maintenance fee

Max-Rate Checking: $15/month (waivable with $5,000 average monthly balance)

Basic Checking: No monthly maintenance fee

Checking: $0 monthly maintenance fee

Max-Rate Checking: $15 monthly maintenance fee (waivable with $5,000 average monthly balance)