How our offer works

Get up to $3,500!

Enroll now to take advantage of this exclusive offer. Open and fund a new retirement account and receive a cash credit of up to $3,500 based on qualified deposits.


Open an account

E*TRADE credits and offers may be subject to US withholding taxes and reporting at retail value. Taxes related to these credits and offers are the customer's responsibility. Cash credits for Individual Retirement Accounts are treated as earnings for tax purposes.
Offer valid for one new E*TRADE Securities retirement account opened by 12/31/21 and funded within 60 days of account opening with $5,000 or more.
Account Deposit Receive
$5,000 - $24,999 $100
$25,000 - $99,999 $200
$100,000 - $199,999 $500
$200,000 - $499,999 $1,000
$500,000 - $999,999 $1,800
$1,000,000+ $3,500

New customer opening only one account

These rules strictly apply to clients who are opening a new E*TRADE retirement account, do not have an existing E*TRADE account and do not open a new E*TRADE account for 60 days after enrollment in this offer. For other circumstances, please refer to the “Existing Clients or New Clients Opening More than One Account” disclosures below.

Cash credits will be granted based on deposits of new funds or securities from external accounts made within 60 days of account opening, as follows: $5,000-$24,999 will receive $100; $25,000-$99,999 will receive $200; $100,000-$199,999 will receive $500; $200,000-$499,999 will receive $1,000; $500,000-$999,999 will receive $1,800; $1,000,000 or more will receive $3,500.

Reward tiers under $500,000 ($5,000-$24,999; $25,000-$99,999; $100,000-$199,999; $200,000-$499,999) will be paid within seven business days following the expiration of the 60 day period. However, if you deposit $500,000 or more, you will receive a cash credit within seven business days, followed by any additional reward based on your fulfillment tier at the expiration of the 60 day period. For example, if you deposit $550,000, you will receive a cash credit of $1800 within seven business days, then if you deposit additional $500,000 into your new account, you will receive an additional cash credit of $1700 at the end of the 60 day window for a total reward of $3,500. If you deposit $1,000,000 or more in your new account, you will receive two cash credits that will total $3,500 within seven business days.

Exisiting clients or new clients opening more than one account

If you have an existing E*TRADE account and enroll in this offer by opening a new account or are a new customer who then opens one or more new accounts within 60-days of enrolling in this offer, different rules apply

Reward tiers under $1,000,000 ($5,000-$24,999; $25,000-$99,999; $100,000-$199,999; $200,000-$499,999, $500,000-$999,999) will be paid per the “new account” column denoted below following the expiration of the 60 day period.

If you deposit $1,000,000 in your new account, you will receive two cash credits that will total $3,500 within seven business days. If you deposit $1,000,000 in your linked retirement accounts during the 60 day period funds will be aggregated for purposes of the reward and the credits will be paid pro-rata to all accounts where deposits were made during the 60 day period. For example, if you deposit $100,000 in your new account, and during the same period you have deposited and additional $1,000,000 into your existing retirement account(s) you will receive $500 in your new account and $1,700 into the other existing retirement account(s) for a total reward of $2,200.

New Account Deposit Amount Existing Account Deposit Amount Existing Account Cash Credit New Account Cash Credit Total Cash Credit
$5,000 - $9,999     $100 $1,800
$10,000 - $99,999     $200 $1,900
$100,000 - $199,999 $1,000,000+ $1,700 $500 $2,200
$200,000 - $499,999     $1,000 $2,700
$500,000 - $999,999     $1,800 $3,500
$1,000,000+     $1,800 $3,500

Offer rules for all participants:

New funds or securities must be deposited or transferred within 60 days of enrollment in offer, be from accounts outside of E*TRADE, and remain in the account (minus any trading losses) for a minimum of twelve months or the cash credit(s) may be surrendered. For purposes of the value of a deposit, any securities transferred will be valued on the first business day following completion of the deposit. Removing any deposit or cash during the promotion period (60 days) may result in lower reward amount or loss of reward. E*TRADE Securities reserves the right to terminate this offer at any time. If you are attempting to enroll in this offer with a Joint Account, the primary account holder may have to fulfill at the tiers noted before the secondary account holder can enroll in this offer. If you experience any issues when attempting to enroll with a Joint Account, please contact us 800-387-2331 (800-ETRADE-1) and we will be able to assist you with your enrollment.

If you have multiple IRAs at E*TRADE or at other financial institutions, the annual contribution limit applies to contributions made to all of your IRA accounts combined which can impact your ability to make a $5,000 contribution to this IRA account in 2020 and 2021. Before making a contribution, check your other IRA accounts and refer to the Contribution Limits Table for more details

Offer limitations:

This offer is not valid for any business (incorporated or unincorporated) accounts, E*TRADE Futures, E*TRADE Capital Management, E*TRADE Bank, E*TRADE Savings Bank accounts, or E*TRADE Securities brokerage accounts. Excludes current E*TRADE and Morgan Stanley employees, including any subsidiaries thereof, non-U.S. residents, and any jurisdiction where this offer is not valid. You must be the original recipient of this offer to enroll. Customers may only be enrolled in one offer at a time. One offer per customer at a time. Cannot be combined with any other offers.

Before deciding whether to retain assets in a retirement plan account through a former employer, or roll them over to an IRA, an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions, and possession of employer stock. For additional information, view the FINRA Investor Alert.

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