What makes this brokerage offer different
This brokerage offer is transfer-oriented, so the practical value depends on the asset tier, transfer friction, and required hold period.
Brokerage
E*Trade Retirement IRA Bonus — Up to $10,000
Sign up for E*Trade Retirement IRA Bonus and earn up to $10,000 in bonus rewards.
Hold Period
12 months after the 60-day funding period
Qualifying Period
60 days from account opening
Requirements
- ✓Open new eligible IRA (Traditional, Roth, Rollover, SIMPLE, or SEP)
- ✓Use promo code RETIRE26
- ✓Deposit $1,000 or more within 60 days of account opening
- ✓Open new eligible retirement account
- ✓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
- ✓Minimum $1,000 deposit within 60 days of account opening
- ✓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)
- ✓Use promo code RETIRE26 at account opening
- ✓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
- ✓Fund with $1,000 or more of new funds or securities within 60 days
- ✓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
- ✓Maintain funds in account for 12 months after 60-day funding period
- ✓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
Restrictions
- ⚠New customers only
- ⚠One new eligible retirement account per customer
- ⚠New E*TRADE customers only
- ⚠One promo code per account
- ⚠Eligible retirement account types only (Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, SIMPLE IRA)
- ⚠One per customer
- ⚠Eligible retirement accounts only (Traditional IRA, Roth IRA, Rollover IRA)
- ⚠Eligible retirement account types only (Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, SIMPLE IRA, etc.)
- ⚠One per individual
- ⚠Eligible retirement accounts only (IRA, Rollover IRA, SIMPLE IRA, SEP IRA)
- ⚠New funds or securities must come from external accounts
- ⚠One new eligible retirement account per offer period
- ⚠One per eligible account type
- ⚠Eligible account types: Traditional IRA, Roth IRA, Rollover IRA, Inherited IRA, Roth 401(k), Traditional 401(k), SEP IRA, SIMPLE IRA
- ⚠For eligible retirement accounts only (IRA, Roth IRA, Rollover IRA)
- ⚠Funds must be from external accounts
- ⚠Applies to Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, and SIMPLE IRA
- ⚠Must open IRA, Roth IRA, SEP IRA, or eligible retirement account
- ⚠New E*TRADE clients only
- ⚠One new eligible retirement account per client
- ⚠Must be original recipient of offer
- ⚠Non-U.S. residents excluded
- ⚠Cannot be combined with other offers
- ⚠One account per person (lifetime max of 2 new accounts across all E*TRADE accounts)
- ⚠New eligible retirement accounts only (Traditional IRA, Roth IRA, Rollover IRA, Inherited IRA, Roth Individual 401(k), Traditional Individual 401(k), SEP IRA, SIMPLE IRA)
- ⚠Limited-time offer
- ⚠Promo code RETIRE26 required at account opening
Fees
- $0 account opening fee
- $0 annual maintenance fee
- No account opening fee
- No maintenance fees
- $0 maintenance fee
- $0 maintenance fees
- $0 account fee
- Commission-free stock, ETF, mutual fund, and options trades
- $0 commissions for stock, ETF, mutual fund, and options trades
- $0 commission on stock, ETF, mutual fund, and options trades
- $0 account maintenance fee
- No minimum balance requirement
- No account opening fees
- No maintenance fees on retirement accounts
- Commission-free trades on stocks, ETFs, and mutual funds
- $0 commissions on stock, ETF, mutual fund, and options trades
- Bonus paid via cash credit to account
- Must maintain deposited funds or securities for 12 months to receive full bonus
- Cash credits based on deposits of new funds or securities from external accounts
- Bonus amount determined by total deposit within 60-day funding window
- Trading losses may reduce the amount of new money required to maintain for bonus forfeiture purposes
- Early account termination or withdrawal of funds within 12 months may result in forfeiture of bonus
- Bonus is tiered based on total deposit amount
- Cannot be combined with other offers for same account type
- Cash credits based on qualifying deposits from external accounts
- Multiple accounts may be enrolled but promo code used only once
- Forfeiture of bonus if funds withdrawn before 12-month hold period expires
- Cash credits are based on deposits of new funds or securities from external accounts
- If funds are withdrawn before the 12-month hold period ends, bonus may be forfeited
- Cash credits for IRAs are treated as earnings for tax purposes
- Multiple transfers within the 60-day period can be combined to reach funding tiers
- Bonus may be forfeited if funds are withdrawn before 12-month hold period ends
- No account minimum required to open (but $1,000 minimum to earn bonus)
- Eligible retirement account types: Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, SIMPLE IRA
- Funds must remain in account for 12 months from the last day of the 60-day funding period or bonus may be forfeited
- Only one new E*TRADE retirement account qualifies per customer
- Business accounts, advisory accounts, futures accounts excluded
- Cash or transferred securities must be from external accounts
- Cash credit may be forfeited if funds are withdrawn within 12-month hold period
- Credits subject to US withholding taxes and reporting at retail value
- Multiple deposits to reach higher tier: deposits $1M+ receive credit within 7 days; other tiers credited after 60-day period closes
- $0 commissions on stocks, ETFs, mutual funds, and options
- May apply to Traditional, Roth, Rollover, SEP, and SIMPLE IRAs
- Bonus amount scales with deposit size
- Bonus is taxable income (will be issued 1099 form)
- If account is closed, restricted, or in default prior to bonus eligibility, bonus will not be awarded
- Hold period is 12 months from completion of 60-day funding window
- Deposits must remain in account for 12 months after 60-day funding period to avoid forfeiture
- Cash credits granted based on deposits made within 60 calendar days of account opening
- Funds must be from accounts outside of E*TRADE
- Bonus may be subject to US withholding taxes
- Cash credits for IRAs treated as earnings for tax purposes
- Early withdrawal or account closure may result in forfeiture of bonus
- Cash credits paid to the same retirement account where deposit was made
- Cannot combine with other E*TRADE offers
- Bonus may be forfeited if funds withdrawn before 12-month hold period ends
- Multiple eligible retirement accounts at E*TRADE can be linked and count as one for offer purposes
- If depositing $20,000,000 or more, bonus paid within 7 business days of deposit date
- If depositing under $20,000,000, bonus paid within 7 business days after 60-day period ends
- Promo code RETIRE26 required at account opening
- If funds withdrawn or drop below deposit level before 12-month hold, bonus may be forfeited
- Bonus amount varies based on deposit amount per tier
- Promo code can be used only once for one account
- Assets transferred from Morgan Stanley accounts not considered external for offer purposes
Offer expires June 29, 2026
Last updated June 12, 2026
How to evaluate E*Trade Retirement IRA Bonus
Before transferring assets, compare the bonus tier against the deposit amount, required hold period, transfer fees, and whether IRA or taxable accounts qualify.
Qualification checklist
Timing
- Qualifying period
- 60 days from account opening
- Hold period
- 12 months after the 60-day funding period
How to qualify
- Open new eligible IRA (Traditional, Roth, Rollover, SIMPLE, or SEP)
- Use promo code RETIRE26
- Deposit $1,000 or more within 60 days of account opening
- Open new eligible retirement account
Common pitfalls
- New customers only
- One new eligible retirement account per customer
- New E*TRADE customers only
- One promo code per account
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is above the current nearby $4,000 median for comparable offers in this category.
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
When does E*Trade Retirement IRA Bonus expire?
E*Trade Retirement IRA Bonus expires on June 29, 2026.
How long do I have to qualify for E*Trade Retirement IRA Bonus?
The qualifying period listed for E*Trade Retirement IRA Bonus is 60 days from account opening.
How long do I need to keep funds or the account for E*Trade Retirement IRA Bonus?
The hold period listed for E*Trade Retirement IRA Bonus is 12 months after the 60-day funding period.
Questions & Answers
How soon can I withdraw the amount?
According to the deal terms, you must maintain the deposited funds for 12 months. If you withdraw the funds before the 12-month hold period ends, you may forfeit the bonus. The bonus itself will be paid within 7 business days after the 60-day qualifying period, but the actual deposit amount needs to stay in the account for the full year.
