E*TRADE IRA $5,000 Bonus

Requirements

• Open one new eligible E*TRADE retirement account (Traditional, Roth, Rollover, or Inherited IRA; Roth or Traditional Individual 401(k); SEP IRA; or SIMPLE IRA) using promo code RETIRE26 by 10/31/26
• Fund the account with $1,000+ in new money or securities from outside E*TRADE within 60 days of opening. Cash credit tiers run from $50 (at $1,000) to $5,000 (at $1,500,000+); E*TRADE advertises higher credits for deposits above $2,000,000.
• Keep the deposited funds/securities in the account for a minimum of 12 months after the 60-day funding period ends, or the cash credit is surrendered and may be debited back
• New E*TRADE clients only — this offer is for clients opening one new eligible retirement account, and each client is limited to a lifetime maximum of three new-account offers across all accounts
• Assets moved in from an existing Morgan Stanley retirement or non-retirement account do NOT count toward the reward — funds must come from outside E*TRADE/Morgan Stanley
• Only one account may be enrolled in one offer at a time; cannot be combined with any other E*TRADE offer, and lifetime cap of three new-account offers per client
• Withdrawing or transferring out any deposit/asset during the 60-day funding window may lower or forfeit the cash credit entirely

Cash you need to float: $1,000

Timeline

1. Fund the account within 60 days of opening.
2. Maintain the qualifying balance/activity for 365 days.
3. Keep the account open 425 days to avoid clawback or early-close fees.

Bonus tiers

• $50 — $1,000–$4,999: park $1,000, hold 365 days
• $150 — $5,000–$19,999: park $5,000, hold 365 days
• $300 — $20,000–$99,999: park $20,000, hold 365 days
• $600 — $100,000–$199,999: park $100,000, hold 365 days
• $1,000 — $200,000–$499,999: park $200,000, hold 365 days
• $1,500 — $500,000–$999,999: park $500,000, hold 365 days
• $3,000 — $1,000,000–$1,499,999: park $1,000,000, hold 365 days
• $5,000 — $1,500,000–$1,999,999: park $1,500,000, hold 365 days

Closing the account (what we verified)

• Bonus clawback risk if closed within 365 days of funding.
• Monthly fee: $0.

More E*TRADE bonuses

• E*TRADE brokerage $1,500 bonus
• E*TRADE HYSA $400 bonus