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
Qualifying Period
60 days from account opening
Requirements
- ✓Open new eligible retirement account (Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, SIMPLE IRA, Individual 401(k))
- ✓Fund with $1,000 or more within 60 days of account opening
- ✓Use promo code RETIRE26
- ✓Deposit $1,000 or more in new funds or securities within 60 days of account opening
- ✓Use promo code RETIRE26 when opening account
- ✓Minimum $1,000 deposit within 60 days of account opening
- ✓Deposits/transfers must be from external accounts (outside E*TRADE)
- ✓Promo code RETIRE26 required at account opening
- ✓Open new eligible retirement account
- ✓Fund with $1,000 or more of new funds or securities within 60 days
- ✓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)
Restrictions
- ⚠New customers only
- ⚠One promo code per account
- ⚠New E*TRADE customers only
- ⚠One new eligible retirement account per offer
- ⚠Must open by 10/31/2026
- ⚠New eligible retirement account
- ⚠One new account per offer enrollment
- ⚠Must be original recipient of offer
- ⚠Minimum $1,000 deposit required
- ⚠One account per promo code
- ⚠One new eligible retirement account per customer
- ⚠Maximum lifetime of two new account offers across all E*TRADE accounts
- ⚠Promo code RETIRE26 required
- ⚠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
Fees
- $0 account fee
- No account maintenance fees
- Commission-free stock, ETF, mutual fund, and options trades
- $0 account maintenance fee
- $0 account opening fee
- $0 annual maintenance fee
- $0 commissions on most online trades
- $0 maintenance fees
- $0 commissions on stock, ETF, mutual fund, and options trades
- $0 commission on stock, ETF, mutual fund, and options trades
- No account opening fee
- No maintenance fees
- $0 maintenance fee
- $0 commissions for stock, ETF, mutual fund, and options trades
- No minimum balance requirement
- No account opening fees
- No maintenance fees on retirement accounts
- Commission-free trades on stocks, ETFs, and mutual funds
- Bonus is tiered based on deposit amount
- Funds must remain in account for 12 months after the 60-day funding period
- Maximum one per household/eligible retirement account type
- Eligible retirement account types include Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, SIMPLE IRA, Individual 401(k), Roth Individual 401(k), Coverdell, Beneficiary Roth IRA, and Beneficiary Traditional IRA
- Cash credits based on deposits from external accounts made within 60 calendar days
- Funds must remain in account for 12 months after funding
- Funds must remain in account (minus trading losses) for minimum 12 months after 60-day funding period or bonus may be forfeited
- Removing deposits during 60-day promotion period may result in lower reward or loss of reward
- Offer excludes non-U.S. residents
- Each client limited to maximum of three new account offers
- Eligible retirement account types: Traditional IRA, Roth IRA, Rollover IRA, SIMPLE IRA, SEP IRA
- New funds or securities must remain in account for 12 months after the 60-day funding period
- Cash credits awarded based on qualifying deposits from external accounts only
- Bonus forfeited if funds not maintained for full 12-month hold period
- One promo code use per account
- Cash bonus forfeited if funds withdrawn during 12-month hold period
- Offer valid through 10/31/26
- Rewards paid via cash credit to account
- Funds must remain in account for 12 months from the last day of the initial 60-day funding period or bonus may be forfeited
- Bonus applies to new funds or securities transferred from external accounts
- No account maintenance fees
- 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
Offer expires October 30, 2026
Last updated July 29, 2026
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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
How to qualify
- Open new eligible retirement account (Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, SIMPLE IRA, Individual 401(k))
- Fund with $1,000 or more within 60 days of account opening
- Use promo code RETIRE26
- Deposit $1,000 or more in new funds or securities within 60 days of account opening
Common pitfalls
- New customers only
- One promo code per account
- New E*TRADE customers only
- One new eligible retirement account per offer
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is above the current nearby $4,250 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 October 30, 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.
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.
