Bank bonus record
Charles Schwab Schwab Starter Kit / Referral Offer
$100 at $25k, $300 at $50k, $500 at $100k, $1,000 at $500k via referral code
Maximum Bonus
$1,000
Offer Ends
No published date
Monthly Fee
$0, no account fees
Credit Pull
Soft pull
Every requirement
- 1.Enroll with a referral code from an existing Schwab client and open an eligible brokerage account or IRA
- 2.Make a qualifying net deposit of outside assets within 45 days: $25,000+ for $100, $50,000+ for $300, $100,000+ for $500, $500,000+ for $1,000
- 3.Bonus credits about a week after the 45-day window
- 4.In taxable accounts, keep the net deposit at Schwab for one year or Schwab may charge back the award
Eligibility details
Availability: Nationwide
Repeatability: New Schwab clients only. One offer per account and no more than one enrolled account per client.
Early closure: Bonus charge-back if the net deposit leaves a taxable account within one year
Check the official offer →Opening Offer History
Public offer observations are appended here. Older payouts, requirements and end dates remain visible after the promotion changes.
Sign-Up Bonus (value)Qualifying Amount ($)
| Observed | Maximum bonus | Qualifying amount | Window | Offer end | Evidence |
|---|---|---|---|---|---|
| 2026-10-12 | $1,000 | $500,000 | 45 days | Ongoing | Schwab Referral Offer page →$100 / $300 / $500 / $1,000 at $25k / $50k / $100k / $500k in net deposits within 45 days; one-year hold for taxable accounts |
Primary-source verification log
Append-only evidence ledger- changed
Tiers $100/$300/$500/$1,000 at $25k/$50k/$100k/$500k in 45 days confirmed; old URL 404, eligibility is one per account and one enrolled account per client
Fields: url, churnable, requirements
Schwab Referral Offer page →