E*TRADE CompleteTM IRA

Get fast, easy IRA withdrawals for investors over 59½ 
  • Get immediate access to IRA savings
  • Make withdrawals any time, with no forms and no delays
  • Free debit card, checks, and online Bill Pay2

up to $6,500/year

annual contributions

59½

minimum age for eligibility

Easy access to cash in your IRA - image

Eligibility information

Must already have an existing E*TRADE Traditional, Roth, Rollover, SEP, or SIMPLE IRA. If an individual does not have an E*TRADE IRA, they can open one first, then upgrade online.

Required Minimum Distributions (RMDs) made easy - image

Easy access to cash in the IRA

Access the IRA with free check writing, debit card, and Bill Pay without forms3

No annual IRA fees and no account minimums - image

Required Minimum Distributions (RMDs) made easy

All withdrawals made from the E*TRADE Complete IRA will count toward an annual RMD

Diversify with Full Range of Investment Choices - image

No annual IRA fees and no account minimums

Transaction fees, fund expenses, brokerage commissions, and service fees may apply

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E*TRADE Complete™ FAQs

See all FAQs

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What are the eligibility requirements for E*TRADE Complete IRA?

  • Must be over age 59½
  • Must already have an existing E*TRADE Traditional, Roth, Rollover, SEP, or SIMPLE IRA
  • If an individual does not have an IRA at E*TRADE, open one first and then upgrade online to an E*TRADE Complete IRA
  • All withdrawals via check writing, debit card, and Bill Pay will be considered IRA distributions and reportable on IRS Form 1099R. Federal and state income tax will not be withheld from these payments.

 

Can an individual have an E*TRADE Complete IRA if they are under age 59½?

An upgrade to an E*TRADE Complete IRA is only available after an individual reaches age 59½.

Is there a minimum check amount on an E*TRADE Complete IRA?

No. There are no minimum check amount requirements with an E*TRADE Complete IRA.

Can an individual write a check or use a debit card to withdraw their Required Minimum Distribution (RMD)?

Yes. All withdrawals made from an E*TRADE Complete IRA will count toward the annual RMD.

How can an investor withdraw a distribution online?

Requesting a distribution online may allow for faster access to funds. Complete the online form to get started. The request should be processed and on its way in 3–5 business days.

Will a tax form be sent after taking a distribution?

Yes. Form 1099-R (available by January 31st of each year) is generated for distributions taken from all IRA accounts. Tax records and other electronic documents can be accessed online through the Tax Center.