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A no annual fee IRA13 that provides tax-free retirement savings for investors 18 years of age or older. While not tax deductible, your Roth IRA contributions are available for withdrawal at any time for any purpose with no taxes or penalties. Earnings, however, cannot be withdrawn tax and penalty free until age 59½ provided the Roth IRA has been open at least five years.

Although you may not be able to make a contribution directly to a Roth IRA because of income limitations, everyone is eligible to convert Traditional IRA assets into a Roth IRA regardless of income and tax filing status. Find out if converting is right for you.

Why an E*TRADE Roth IRA?

Can you benefit from a Roth IRA conversion?

It may be a good time to convert.

See Why

Convert Now

  • No annual IRA fees and no account minimums
  • Contribute up to $5,500 or 100% of compensation whichever is less. If you are over 50, you can contribute an additional $1,000 of compensation
  • Ability to convert non-deductible Traditional IRA contributions to a Roth IRA tax-free2
  • Flexibility to withdraw original contributions tax-and penalty-free at any time, for any reason
  • Withdraw earnings tax-and penalty-free at age 59½ provided account has been open at least five years
  • No age limit on when you have to withdraw money

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 ETF6 All-Star lists & 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

Investing & Trading Tools

  • Get an action plan in 15 minutes with 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

  • FREE market commentary & insights from industry professionals9
  • FREE retirement planning education10
  • Personalized investment advice & guidance11

Eligibility Requirements

  • Roth IRA Eligibility Requirements
  • You must be 18 years of age or older
  • You must have MAGI under certain thresholds
  • Single filers: If your MAGI is less than $112,000 in 2013, ($114,000 in 2014) you may be eligible to make a full contribution. If your MAGI is between $112,000 and $127,000 in 2013, ($114,000 - $129,000 in 2014) you may be eligible to make a partial contribution. You are not eligible to make a contribution if your MAGI is more than $127,000 in 2013 ($129,000 in 2014).
  • Joint Filers: If your combined MAGI is less than $178,000 in 2013 ($181,000 in 2014), you and your spouse may be eligible to make a full contribution. If your combined MAGI is between $178,000 and $188,000 in 2013 ($181,000 - $191,000 in 2014), you and your spouse may be eligible to make a partial contribution. You are not eligible to make a contribution if your MAGI is more than $188,000 in 2013 ($191,000 in 2014).
  • Ineligible: If you exceed the income limitations for a Roth IRA, consider contributing to a Traditional IRA. Your contributions will not be tax deductible, however you will still benefit from the potential of tax-deferred growth. Additionally, you could convert any Traditional IRA contributions to a Roth IRA at any time.
  • To apply online you must be a U.S. citizen or resident with a valid U.S. address. If you are not a U.S. citizen or resident, work for a broker-dealer, or are a director or significant shareholder of a publicly traded company, please see additional requirements.
  • Roth IRAs must be established by the tax filing deadline (without extensions) for the tax year to which your qualifying contribution(s) will apply. Applications postmarked by this date will be accepted.
  • Contribution deadlines can be found here.

For assistance, speak with a 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 ContractsDetails $0.75 $0.75
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-fee4
IRAsDetails No annual IRA fees and no account minimums
Recognized Excellence

Traditional IRA

Roth IRA

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.

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