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Our no annual fee, no-minimum Rollover IRA lets you take control of assets from a 401(k), 457, 403(b), or other employer-sponsored retirement plan in additional to other IRAs. You'll keep tax-deferred growth potential, avoid current taxes and penalties and gain investment choices.

Why Roll Over?

In less than 3 minutes, we'll explain why and how to roll over a retirement account.

Why Rollover to an E*TRADE IRA?

Rollover
Checklists

Give your old 401(k) a new start. Step-by-step instructions for rolling over your 401(k).

See How

Get access to a much wider range of investments than your current plan likely offers, plus:

  • Start-to-finish support from an E*TRADE Rollover Specialist
  • No "cash out" penalties when you rollover2
  • No current taxes or penalties
  • No annual fees and no account minimums
  • No mandatory federal withholding
  • Penalty-free withdrawals for first time home purchase and certain college costs
  • Flexibility to roll over to another company plan

Full Range of Investment Choices

  • Invest in stocks, bonds, options, 8,000+ mutual funds, exchange traded funds, and IPOs3
  • 1,300+ no-load, no-transaction fee funds4
  • Exclusive Mutual Fund5 and ETF All-Star lists6 & target date funds7
  • Comprehensive Exchange-Traded Fund (ETF) Center
  • Ongoing Portfolio Management from E*TRADE Capital Management with just $25,000 Learn More
  • Investment professionals to help you with asset allocation strategies8

E*TRADE's NEW OneStop Rollover

Not sure what to do with your old 401(k)? Our OneStop Rollover14 offers an automatic deposit of your 401(k) assets into a diversified portfolio from E*TRADE Capital Management, that is actively monitored and rebalanced for you. You'll receive:

  • Asset allocation and recommended investments during the account opening process8
  • A diversified portfolio you approved based on your investment goals and risk tolerance8
  • Automatic rebalancing on an ongoing basis
  • A low fee-based solution with a $25,000 minimum

Investing & Trading Tools

  • Get an action plan in 15 minutes with our Retirement Calculator
  • Complete View of all your E*TRADE accounts
  • Easy-to-use stock, mutual fund, and ETF screeners
  • Portfolio Analyzer and easy-to-use investing tools

Guidance, Insights and More

  • Guidance from Chartered Retirement Planning CounselorsSM9
  • FREE market commentary & insights from industry professionals10
  • FREE retirement planning education11
  • Personalized investment advice & guidance12

For assistance speak to a Chartered Retirement Planning CounselorSM9 or Rollover Specialist at 1-877-921-2434

Need Help?

Chat Live Now

or call 1-800-ETRADE1 (1-800-387-2331)

Pricing Standard 150-1499
Trades/QTR
Stock & Options TradesDetails $9.99 $7.99
Options
Contracts
Details
$0.75 $0.75
Bonds
(online secondary trades)
Details
$1.0013 $1.0013
Broker-Assisted TradesDetails Add $25 Add $25
Mutual FundsDetails 8,000+ available - 1,300+
no-load, no-transaction-fee4
IRAsDetails No annual IRA fees and
no account minimums
Recognized Excellence
Get up to $600 cash credit for deposits or transfers made within 45 days of account open.
Deposit or Transfer
Receive
$25K - $99,999
$200
$100K - $249,999
$300
$250K and above
$600*
And open an account with $10,000 or more and receive free stock & options trades for 60 days once funds become available.
*Call us to see how you can qualify for more at 1-800-ETRADE-1

4 Easy Ways to Fund Your Account

Wire Transfer

A wire transfer is an electronic transfer of money between different financial institutions.

How to Request a Wire Transfer
To Wire Money to Your E*TRADE Securities Account

Contact your other financial institution and ask them to wire funds to E*TRADE Securities. You'll need to provide them with information below.

You can complete and print out an easy Wire Transfer Form here.

If your financial institution is located in the United States:
The Receiving institution information:

E*TRADE Securities LLC
PO Box 484
Jersey City, NJ 07303-0484
ABA Transit Routing Number: 056073573

Your information:

The amount you want to wire

Your eight-digit E*TRADE Securities account number. (Your account number can be found on the Complete View page when you first log in.)

Your name and address

If your financial institution is located outside the United States:

The receiving institution information:

Wells Fargo Bank, N.A.
420 Montgomery Street
San Francisco, CA 94104
Swift Code: WFBIUS6S
FBO: E*TRADE Clearing LLC
Routing Number: 056073573

Your information:

The amount you want to wire in U.S. dollars

Your eight-digit E*TRADE Securities account number

Please note, your wire should ONLY be routed through the Wells Fargo WFBIUS6S swift code if your international bank does not have a correspondent US Bank. Any attempt should be made by your bank to send directly to aba 056073573 as sending through the additional account may lead to delays in the processing of your wire.

Your name and address

Funds Availability

New Customer
Same business day if received before 6 p.m. ET

 

Existing Customer
Same business day if received before 6 p.m. ET

For details on how to Wire Money into an E*TRADE Bank deposit account as well as funds availability information for Wire Transfers to and from E*TRADE Bank deposit accounts please click here

Check the status of your wire request in the Customer Service Online. You'll also receive updates online via Smart Alert.

Transfer An Account

Transferring an account simply means moving cash or securities from an outside financial institution to E*TRADE. Consolidating assets will simplify your life and make managing your finances much easier with the extraordinary value, tools, and guidance E*TRADE provides.

NOTE: This option is only available for funding brokerage accounts.


Log on and use our easy Transfer an Account Feature for the fastest delivery. It will guide you step-by-step through the process.

You'll want to have the following information from your monthly statement handy:

The name of the delivering institution
Your account number at that institution
The registration (ownership of the account)

If you prefer, or if you are changing the account registration, you can complete our paper Account Transfer Form and mail it to the address provided.

Transfer Now
Log On Required

If Transfer Request Submitted:

Electronically
Via Mail

Assets Typically Delivered:

In as little as 10 business days
3-6 weeks

Check the status of your account transfer in the Customer Service Online. You'll also receive updates online via Smart Alert.

Mail A Check

You can easily deposit many types of checks4 and drafts into your account by mail. Below, you'll find instructions for brokerage accounts. Learn how to deposit securities certificates.


How To Make A Deposit By Check

To Deposit a Check to Your E*TRADE Securities Account

Make the check payable to E*TRADE Clearing LLC. Write your eight-digit account number on the memo line. (For IRA contributions, note the tax year in the memo line as well.)

Attach a deposit slip (if you have one) and mail it to:

Regular U.S. Mail
E*TRADE Securities LLC
PO Box 484
Jersey City, NJ 07303-0484

Overnight Mail
E*TRADE Securities LLC
Harborside Financial Center
501 Plaza 2
34 Exchange Place
Jersey City, NJ 07311

Funds Availability

5 th business day after posting to your account if deposited prior to 4 p.m. ET For details on how to Make a Deposit by Check to an E*TRADE Bank deposit account as well as the funds availability information for check deposits for E*TRADE Bank deposit accounts please click here.

Check the status of your deposit in Customer Service Online. You'll also receive updates online via Smart Alert.

Checks, drafts, and securities certificates can be deposited in person at many of our network of E*TRADE Branches nationwide. Click here to locate a branch near you.

Free Quick Transfer

Quick Transfer is a free online service that allows you to move money between E*TRADE Accounts and from outside institutions. It's easy, convenient, and 100% protected by our exclusive E*TRADE Complete™ Protection Guarantee.

  1. Select the appropriate accounts from the From and To menus, and enter your transfer amount.
  2. Enter the date you want the transfer to occur in the Date field.
  3. Select how often you want your transfer to occur from the Frequency menu, and then click Transfer.
Transfer Now
Log On Required

Help with Transfer

Transfer money to and from accounts at other institutions

Add External Account
Manage External Accounts

Transfers between E*TRADE accounts
Immediately
if request is received prior to 4 p.m. ET; otherwise next business day

Transfers from external accounts to E*TRADE Securities account
3rd business day
after the day of deposit, if transferred by 4 p.m. ET

*For details on funds availability for Quick Transfers to and from E*TRADE Bank deposit accounts, E*TRADE IRA accounts, or E*TRADE Home Equity Lines of Credit please click here.

Check the status of your deposit in the Pending and History tabs of Quick Transfer. You'll also receive confirmation of your request online via Smart Alert.

What you’ll need to open your account

  1. 10-12 minutes to complete the application
  2. U.S. permanent Residential Address
  3. Date of Birth
  4. Social Security number or Tax ID number
  5. Employer Name & Address

Rollover Checklist

Should I Roll Over from My Employee's Plan?

Follow these simple steps to roll over assets from a former employer's retirement plan, such as a 401(k) or 403(b), to E*TRADE Securities.

Asset Rollover Checklist

New job? Give your 401(k) a new start with an E*TRADE Securities Rollover IRA. There are no annual IRA fees and no account minimums. Rolling over assets is the most common way to roll over and is supported by all plan administrators.

  1. Open Your E*TRADE Securities Rollover IRA

    Apply online in minutes or call 1-877-921-2434 for assistance.

  2. Contact Your Former Plan Administrator

    Ask for a direct roll over of your plan assets.

    • Complete all distribution forms required by your former employer.
    • Instruct the plan administrator to issue a distribution check made payable to: E*TRADE Clearing, FBO <Your Name>. Your Rollover IRA account number should be included on the check.
    • Instruct the plan administrator to mail the check to:

      E*TRADE Securities LLC
      PO Box 484
      Jersey City, NJ 07303-0484

    • If your plan administrator sends you the check, simply forward it along with an IRA Deposit Slip to E*TRADE at the address above.
  3. Put Your Retirement Assets to Work
    • Log on to see when your funds have been deposited.
    • Invest your IRA using our Online Portfolio Advisor, free tools, research and screeners.
    • Need additional help? Our experienced investment professionals can help you create a retirement strategy and provide unbiased investment recommendations.

Securities Rollover Checklist

It may be possible to transfer stocks, mutual funds, or other securities directly to your Rollover IRA without converting them to cash. Please check with your plan administrator to see if this type of rollover is supported. Allow 6 to 8 weeks for a securities rollover.

  1. Open Your E*TRADE Securities Rollover IRA

    Apply online in minutes or call 1-877-921-2434 for assistance.

  2. See if Your Mutual Funds Can Be Rolled Over
    • Go to etrade.com/mutualfunds and search for your fund. If your fund is not listed, please contact one of our Investment Professionals, as we may be able to add the fund, or even hold your existing position.
    • Instruct the plan administrator to sell any mutual funds that can't be rolled over. You can then follow the steps on the Cash Rollovers tab to move the cash to your IRA.
  3. Roll Over Transferable Securities
    • For securities that can be directly rolled over, instruct the plan administrator to forward them to DTC Clearing 0385, Code 40, OR send certificates directly to:

      E*TRADE Securities LLC
      PO Box 484
      Jersey City, NJ 07303-0484

    • The certificates must clearly indicate your Rollover IRA account number and must be registered to: E*TRADE Securities, FBO <Your Name>.

If you hold highly appreciated company stock, a Rollover IRA may prevent you from taking advantage of the preferred long-term capital gains tax rate. Consult your tax advisor for more information.

Roth IRA Rollover Checklist

If you've made after-tax contributions to a Roth 401(k) or Roth 403(b), or want to move your pre-tax 401(k) to a Roth IRA, you'll need to roll over to a Roth IRA. Rolling over assets from a pre-tax 401(k) to a Roth IRA will result in all pre-tax assets you roll over being included in your taxable income. However, if you like the idea of being taxed now and not later, or if you think you will be in a higher tax bracket later in life, you may want to consider rolling over these assets to a Roth IRA now.

  1. Open Your E*TRADE Securities Roth IRA

    Apply online in minutes or call 1-877-921-2434 for assistance.

  2. Contact Your Former Plan Administrator

    Ask for a direct rollover of your plan assets.

    • Complete all distribution forms required by your former employer.
    • Instruct the plan administrator to issue a distribution check made payable to: E*TRADE Clearing, FBO <Your Name>. Your Roth IRA account number should be included on the check.
    • Instructions should be attached to the check if it is to be split between a Rollover IRA and a Roth IRA.
    • Instruct the plan administrator to mail the check to:

      E*TRADE Securities LLC
      PO Box 484
      Jersey City, NJ 07303-0484

  3. Put Your Retirement Assets to Work
    • Log on to see when your funds have been deposited
    • Invest your IRA using Online Portfolio Advisor or our FREE tools, research, and screeners.
    • Need additional help? Our experienced investment professionals can help you create a retirement strategy and provide unbiased investment recommendations.