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Investment-Only (Non-Custodial) Retirement Plan

Get up to $600 when you
transfer or fund an Investment Only (Non-Custodial) Plan13


Plus 60 days of free trades for
deposits of $10k or more

How It Works

For Business Owners seeking to enhance plan investment options.



A flexible retirement plan arrangement designed for sponsors seeking to provide broader, more flexible investment choices in a retirement plan. Your plan's recordkeeping and tax reporting are handled by your third-party plan administrator, while E*TRADE provides an integrated online trading platform and a full range of low-cost investing solutions.

  • Why an E*TRADE Investment-Only (Non-Custodial) Retirement Plan?
    • No account set-up or annual fees
    • Easy, cost-effective trading platform for your retirement plan
    • Flexible account set-up options:
      1. Open one pooled account where the plan administrator manages the investment activity for the entire plan, or
      2. Establish separate accounts and authorize each participant or the plan administrator with management of the investment activity
      3. Rollover or transfer assets from other employer-sponsored plans or IRAs
    • No withdrawal or rollover fees if an employee terminates
    • Make contributions online from outside accounts with Quick Transfer1
  • Full Range of Investment Choices
    • Invest in stocks, bonds, options, 8,000+ mutual funds, exchange traded funds, and IPOs2
    • 1,300+ no-load, no-transaction fee funds3
    • Exclusive Mutual Fund4 and ETF All-Star lists5 & target date funds6
    • Comprehensive Exchange-Traded Fund (ETF) Center
    • Investment professionals to help you with asset allocation strategies7
  • 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
    • Support from Chartered Retirement Planning CounselorsSM8
    • FREE market commentary & insights from industry professionals9
    • FREE retirement planning education10
    • Personalized investment advice & guidance11
  • Eligibility Requirements
    • This plan is for business owners with an established retirement plan who seek to significantly expand the range of investment options.
    • Authorized agents must be 18 years of age or older and U.S. citizens or residents with a valid U.S. address.
  • Get Started
    Download an Application to get started.
    • Once we receive your application and initial deposit, we'll send you a Welcome Kit containing your account number, user ID, and password. You can begin investing as soon as you receive it.
  • For assistance speak to a Small Business Retirement Plans Specialist at 1-888-402-0654.
Need Help?
Chat Live Now
Call 1-800-ETRADE1 (1-800-387-2331)
Pricing Standard 150-1499 Trades/QTR
Stock & Options TradesDetails $9.99 $7.99
Options ContractsDetails $0.75 $0.75
Futures ContractsDetails $2.99 $2.99
Margin Rate($50k margin balance)Details 7.44% 7.44%
Bonds(online secondary trades)Details $1.0012 $1.0012
Broker-Assisted TradesDetails Add $25 Add $25
Mutual FundsDetails 8,000+ available - 1,300+ no-load, no-transaction-fee3
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 opening. Follow these 2 easy steps:

1. Mail or fax your completed small business retirement plan application to us
2. Call Customer Service at 1-888-402-0654 once your account is open to be enrolled in and receive the offer.

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.