Schwab vs E*TRADE bonus (October 2026)
Side-by-side current offers, holding periods and rates.
| Broker | Offer | Bonus | Min deposit/transfer | Holding period | Expiry | Cash rate | Base margin | Status | Last checked |
|---|---|---|---|---|---|---|---|---|---|
| Schwab | Referral bonus (needs existing-member referrer) | $100@$25k-49,999; $300@$50k-99,999; $500@$100k-499,999; $1,000@$500k+ net deposit within 45 days of opening; paid ~1 week after 45 days | $25,000 | Net deposits calculated as of day 45; no 1-year hold stated on page (full T&C not read) | 0.01% APY (standard bank sweep) | ~12.08% | Partly verified | 2026-10-20 | |
| E*TRADE | New brokerage account deposit/transfer (promo code OFFER26) | Tiered up to $10,000 ($5M+); e.g. $1,000 at $200k-$499,999, $1,500 at $500k-$999,999; new eligible non-retirement account, fund within 60 days, promo OFFER26 | $1,000 | 2026-10-31 | 0.01% APY (Bank Deposit Program <$500k) | 12.70% | Verified | 2026-10-20 | |
| E*TRADE | Retirement account bonus (promo RETIRE26) | Up to $10,000: $50@$1k; $150@$5k; $300@$20k; $600@$100k; $1,000@$200k; $1,500@$500k; $3,000@$1M; $5,000@$1.5M; $6,000@$2M; $10,000@$5M+. New eligible retirement account, fund within 60 days, code RETIRE26 | $1,000 | 2026-10-31 | Verified | 2026-10-20 |
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