⚠Does not apply to Schwab Bank Investor Checking, Schwab Global Account, ERISA-covered retirement plans, certain tax-qualified retirement plans, education savings accounts, or corporate accounts
⚠Referral code required
⚠New customers only
⚠Not available for Schwab Bank Investor Checking accounts
⚠Not available for Schwab Global Account, ERISA-covered retirement plans, certain tax-qualified retirement plans, education savings accounts, or accounts managed by independent investment advisors
⚠Limited to one per account
⚠No more than one account enrolled per client
⚠U.S. residents only
⚠Employees and contractors of Schwab ineligible
⚠Referred customers only
⚠One per account, no more than one account per client
⚠Does not apply to Schwab Bank Investor Checking, Schwab Global Account, ERISA-covered plans, certain tax-qualified plans, education savings accounts, corporate accounts, or accounts managed by independent advisors
⚠Referral-only (requires referrer's code)
⚠One per account
New customers only (no current Schwab account other than Stock Plan Services)
Fees
$0 account fee
$0 account opening fee
$0 trading commissions on stocks and ETFs
$0 account opening fees
$0 account fees
Net deposit = assets deposited minus assets withdrawn/transferred out
Hold period applies to taxable accounts; Schwab may clawback bonus if deposits are withdrawn
Bonus award crediting timeline is approximately 1 week after 45-day calculation period
Net deposits calculated as of 45th day after enrollment
Outside assets new to Schwab only; assets from Schwab affiliates excluded
For taxable accounts, bonus may be charged back if net deposit not maintained for one year (less market losses)
Schwab may charge back bonus if net deposit amount is not maintained for at least one year (for taxable accounts)
Market losses do not reduce the required maintenance amount
Only applies to eligible retail brokerage accounts (not Schwab Bank Investor Checking)
Net deposits calculated at 45-day mark
Assets must be new to Schwab (transfers excluded)
Not valid in conjunction with other offers
Schwab Bank Investor Checking accounts do not qualify
Offer does not apply to Schwab Global Account, ERISA-covered retirement plans, certain tax-qualified plans, education savings accounts, corporate accounts, or accounts managed by independent investment advisors
Bonus reported on Form 1099-INT for taxable accounts
For taxable accounts, Schwab may charge back bonus if net deposit amount (less market losses) is not maintained for at least one year
Bonus is reported on Form 1099-INT for taxable accounts
Does not apply to Schwab Bank Investor Checking, Schwab Global Account, ERISA-covered plans, education savings accounts, or accounts managed by independent advisors
For taxable accounts, the net deposit (less any market losses) must be maintained for at least one year or Schwab may charge back the bonus
Bonus award reported on Form 1099-INT for taxable accounts
Ineligible accounts: Schwab Bank Investor Checking, Schwab Global Account, ERISA-covered plans, corporate accounts, accounts managed by independent advisors
Before transferring assets, compare the bonus tier against the deposit amount, required hold period, transfer fees, and whether IRA or taxable accounts qualify.
Approximately 1 week after the 45-day qualification period
Hold period
1 year
How to qualify
Must be referred by a current Schwab client
Must open eligible retail brokerage account or IRA
Must make qualifying net deposit within 45 days of enrollment
Must provide valid referral code during account opening
Common pitfalls
New customers only (no existing Schwab account)
One per account, one account per client
Must use valid referral code
Does not apply to Schwab Bank Investor Checking, Schwab Global Account, ERISA-covered retirement plans, certain tax-qualified retirement plans, education savings accounts, or corporate accounts
What makes this offer different
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.
Bonus value versus similar offers
The sign-up bonus is below the current nearby $7,500 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $1,000 sign-up bonus, $1,000 referral sign-up bonus for a total displayed potential of $2,000. Confirm which apply path you use before assuming every component stacks.
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 Schwab Brokerage Referral Bonus?
The qualifying period listed for Schwab Brokerage Referral Bonus is 45 days from account opening.
When does Schwab Brokerage Referral Bonus pay out?
✓Maintain net deposit at Schwab for at least one year (for taxable accounts)
✓Make a qualifying net deposit of $25,000+ within 45 days of account opening
✓Must open eligible retail brokerage account or IRA (Schwab One account)
✓Qualifying net deposit required within 45 days of enrollment
✓Outside assets new to Schwab only
✓Make a qualifying net deposit of cash or securities within 45 days of opening account
✓Deposits must be new to Schwab (not transfers from Schwab affiliates)
✓Must enroll via referrer's code
✓Enroll via referral link from existing Schwab client
✓Maintain deposit (less market losses) for at least 1 year
✓Make qualifying net deposit within 45 days of account opening
✓Deposits must be from outside Schwab (new to Schwab)
✓Minimum $25,000 deposit required
✓Make a qualifying net deposit within 45 days
✓Maintain net deposit for at least one year (taxable accounts)
✓Open eligible retail brokerage or IRA account
✓Must use referral link from existing Schwab customer
✓Open eligible retail brokerage account via referral code
✓Maintain net deposit for at least 1 year (for taxable accounts)
✓Qualifying net deposit of $25,000 or more within 45 days of account opening
✓Net deposits must be from outside Schwab (not internal transfers)
✓Qualifying net deposit within 45 days of account opening
✓Net deposit amount must be maintained for 1 year (for taxable accounts) or bonus may be charged back
✓Must use referral code from existing Schwab client
✓Make qualifying net deposit within 45 days of opening account
✓Make qualifying net deposit (cash or securities) within 45 days
✓Deposit amount determines bonus tier
✓Must use valid referral link to enroll
✓New to Schwab (no existing Schwab account other than Stock Plan Services)
✓Must open eligible retail brokerage or IRA account
✓Must make qualifying net deposit matching tier within 45 days
✓For taxable accounts, must maintain deposit for 1 year
✓Open eligible Schwab retail brokerage or IRA account
✓Maintain net deposit for at least one year (for taxable accounts)
✓Qualifying net deposit of cash or securities within 45 days of enrolling
✓Outside assets new to Schwab (transfers from certain Schwab affiliates excluded)
✓Maintain net deposit (less market losses) for at least one year (taxable accounts)
✓Must be referred by existing Schwab customer
✓Qualifying net deposit required (amounts vary by tier)
✓Account must be retail brokerage or IRA
✓Assets must be new to Schwab
✓For taxable accounts, maintain net deposit (less market losses) for one year
✓Deposits must be in Schwab One account
⚠
⚠Must use referral link from existing Schwab client
⚠Must use referral link from existing Schwab customer
⚠One per account, no more than one account enrolled per client
⚠Must use a referral link from an existing Schwab client
⚠One account per client
⚠Not valid with other offers
⚠New customers only (no prior Schwab account)
⚠Referral link required
⚠Not available for Schwab Bank Investor Checking accounts, Global Accounts, ERISA plans, certain tax-qualified retirement plans, or accounts managed by independent advisors
⚠Must be referred by a Schwab client
⚠New customers only (no existing Schwab accounts)
⚠Not valid in conjunction with other offers
⚠Employees and contractors of Schwab or affiliates ineligible
⚠New customers only (other than Stock Plan Services account holders)
⚠Referral required
⚠One per account, one per client
⚠New customers only (must not currently have a Schwab account other than Stock Plan Services)
⚠Referred individuals only (requires referral link from existing Schwab client)
⚠Schwab Bank Investor Checking accounts do not qualify
⚠The Schwab Global Account, ERISA-covered retirement plans, certain tax-qualified retirement plans, education savings accounts, corporate accounts, and accounts managed by independent investment advisors are excluded
⚠Referred customers only (must use referral link from existing Schwab customer)
⚠One bonus per account, one account per client
⚠Does not apply to Schwab Bank Investor Checking accounts, Schwab Global Account, ERISA-covered retirement plans, tax-qualified retirement plans, education savings accounts, corporate accounts, or accounts managed by independent investment advisors
⚠Referred individuals must enroll via referral link
⚠Available to U.S. residents only
⚠Referred individuals only (requires referral code from existing Schwab client)
⚠Referred individuals only
⚠Does not apply to Schwab Bank Investor Checking, Global Account, ERISA/tax-qualified retirement plans, education savings accounts, or accounts managed by independent advisors
⚠One per account, one account enrolled per client
⚠Referral-only (must use a referral code from existing Schwab client)
⚠Eligible account types: Schwab retail brokerage accounts and IRAs
⚠Does not apply to Schwab Bank Investor Checking accounts
⚠New customers only (no current Schwab account)
⚠Must be referred by existing Schwab customer
⚠Referral-based offer (new customer must use referral code from existing Schwab client)
⚠Requires referral link from current Schwab customer
⚠Not applicable to Schwab Bank Investor Checking accounts
⚠Requires referral from existing Schwab client
⚠Excludes Schwab Bank Investor Checking, Schwab Global Account, ERISA plans, education savings accounts
⚠Referred individuals only (requires referral link/code)
⚠Only outside assets qualify
⚠Must be referred via referral link from existing Schwab customer
⚠Schwab Bank Investor Checking accounts not eligible
⚠Only outside assets new to Schwab qualify
⚠Referral-only (requires referral code from existing Schwab client)
⚠Limit one per account, one per client
⚠Requires referral link to participate
⚠Does not apply to Schwab Bank Investor Checking, Schwab Global Account, certain retirement plans, education savings accounts, or accounts managed by independent advisors
⚠Referred new customers only (existing Schwab customers refer via link)
⚠New to Schwab (no existing Charles Schwab accounts except Stock Plan Services)
⚠Eligible retail brokerage accounts and IRAs only
⚠Referral-only (requires referral code/link from existing Schwab client)
⚠New Schwab customers only
⚠Cannot be combined with other promotions
Does not apply to Schwab Global Account, ERISA-covered plans, education savings accounts, corporate accounts, or accounts managed by independent advisors
Net deposits calculated 45 days after enrollment regardless of when deposit made
For taxable accounts, net deposit must be maintained for at least one year or bonus may be charged back
Bonus combined with other Schwab offers in last 12 months may not exceed $5,000 per household
Does not apply to Bank Investor Checking, Schwab Global Account, ERISA-covered retirement plans, education savings accounts, corporate accounts, or accounts managed by independent advisors
Schwab reserves the right to change offer terms or terminate at any time without notice
For taxable accounts, must maintain net deposit amount (less market losses) for at least one year or bonus will be charged back
Not eligible: Schwab Bank Investor Checking, Schwab Global Account, ERISA-covered plans, tax-qualified retirement plans, education savings accounts, corporate accounts, accounts managed by independent advisors
For taxable accounts, must maintain net deposit (less market losses) for 1 year or bonus may be charged back
Net deposits are assets deposited into the account minus assets withdrawn and transferred out of Schwab
Only outside assets new to Schwab qualify; transfers from Schwab affiliates (other than Schwab Retirement Plan Services) are excluded
For taxable accounts, Schwab may charge back the bonus if the net deposit amount (less market losses) is not maintained for one year
This offer is not transferable, saleable, or valid in conjunction with other offers
Available to U.S. residents only
Schwab reserves the right to change the offer terms or terminate at any time without notice
Does not apply to Schwab Global Account, ERISA-covered retirement plans, education savings accounts, or accounts managed by independent investment advisors
For taxable accounts, must maintain net deposit amount (less any market losses) for at least one year or bonus may be charged back
Net deposits are assets deposited into account minus assets withdrawn and transferred out
For taxable accounts, net deposit amount (less market losses) must be maintained for at least 1 year or bonus may be charged back
Bonus eligible for taxable accounts; net deposits must be maintained for at least one year or bonus may be charged back
Net deposits exclude assets transferred from Schwab affiliates (other than Schwab Retirement Plan Services)
Schwab Bank Investor Checking accounts, Schwab Global Account, ERISA plans, certain tax-qualified plans, education savings accounts, corporate accounts, and accounts managed by independent advisors are ineligible
Net deposits = assets deposited minus assets withdrawn/transferred out
Only outside assets new to Schwab qualify; affiliate transfers excluded
Bonus calculated as of 45th day after enrollment
Bonus credited within ~1 week of 45-day mark
Cannot be combined with other offers
For taxable accounts, must maintain net deposit amount (less market losses) for at least one year or bonus may be charged back
Only outside assets new to Schwab qualify; transfers from Schwab affiliates excluded
Does not apply to Schwab Bank Investor Checking, Global Account, ERISA retirement plans, education savings accounts, or accounts managed by independent advisors
Schwab may charge back the bonus if deposit not maintained for one year
Offer is not transferable or valid with other offers
Only outside assets new to Schwab qualify; assets transferred from Schwab affiliates excluded
For taxable accounts, must maintain net deposit (less market losses) for one year or bonus may be charged back
Bonus award combined with other offers in last 12 months may not exceed $5,000 per household
Bonus combined with other offers cannot exceed $5,000 per household per 12 months
Net deposits are deposits minus withdrawals and transfers out of Schwab
Offer not available for Schwab Global Account, ERISA plans, certain retirement plans, education savings accounts, or advisor-managed accounts
For taxable accounts: must maintain net deposit amount (less trading losses) for at least one year or bonus may be charged back
Cannot be combined with other Schwab promotions
Bonus amount combined with other offers in last 12 months cannot exceed $5,000 per household
Net deposits = deposited assets minus withdrawals and transfers out of Schwab
Only outside assets new to Schwab qualify; assets from Schwab affiliates (except Schwab Retirement Plan Services) excluded
For taxable accounts, net deposit (less market losses) must remain at Schwab for at least one year or bonus will be charged back
Offer cannot be combined with other promotions
Not available for Schwab Bank Investor Checking, Schwab Global Account, ERISA-covered retirement plans, education savings accounts, corporate accounts, or accounts managed by independent investment advisors
Custodial accounts are eligible
Bonus reported on Form 1099-INT; user responsible for taxes
Net deposits = deposited assets minus withdrawals and transfers out
For taxable accounts, Schwab may chargeback bonus if deposit not maintained for 1 year (less market losses)
Not combinable with other Schwab offers
Bonus may be charged back if net deposit not maintained for 1 year in taxable accounts
Not available for Schwab Bank Investor Checking, Global Account, ERISA-covered plans, or accounts managed by independent advisors
Assets transferred from Schwab affiliates (except Retirement Plan Services) excluded
Market losses do not reduce maintenance requirement
If deposit drops below tier during year, bonus may be charged back
Bonus combined with other offers may not exceed $5,000 per household per 12 months
Bonus may be charged back for taxable accounts if net deposit not maintained for one year
For taxable accounts, bonus reported on Form 1099-INT
U.S. residents only
For taxable accounts, must maintain net deposit for at least 1 year or bonus may be charged back
Offer does not apply to Schwab Global Account, ERISA-covered retirement plans, certain tax-qualified retirement plans, education savings accounts, corporate accounts, or accounts managed by independent investment advisors
Net deposits calculated as of 45th day after enrollment, minus withdrawals and transfers out
Does not apply to Schwab Global Account, ERISA-covered plans, certain tax-qualified plans, education savings accounts, or accounts managed by independent advisors
Bonus may be charged back if net deposit is not maintained for 12 months
Only new Schwab customers eligible (excluding Stock Plan Services accounts)
Bonus may be charged back if hold period not maintained in taxable accounts
Reported on Form 1099-INT for taxable accounts
Assets from Schwab affiliates other than Retirement Plan Services excluded
Ineligible account types: Bank Investor Checking, Schwab Global Account, ERISA-covered retirement plans, education savings accounts, corporate accounts, accounts managed by independent advisors
The person who refers you does not receive a bonus
