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TD Ameritrade Transfer Fee (ACAT of Brokerage Account) 2022


How much does TD Ameritrade charge in ACAT fee for full and partial IRA and taxable brokerage account transfer (stock positions, mutual funds, ETFs). Cost of TD Ameritrade outgoing transfer of account eligible assets.



ACAT Fee For Transfers Into TD Ameritrade


TD Ameritrade does not charge any fees if you are transferring an account to them. They will actually refund an ACAT fee charged by your current broker. You can use a link below to open an account, initiate the transfer, and get reimbursement:


Open TD Ameritrade Account



Withdrawing Cash Out of TD Ameritrade


If you just want to withdraw some money out of your TD Ameritrade account and keep the account open, then read TD Ameritrade Withdrawal Terms article.


TD Ameritrade ACAT Fee (Transferring Account OUT)


TD Ameritrade ACAT fee is $75 for a full account transfer and $0 for a partial account transfer (stock positions, mutual funds, and ETFs). The TD Ameritrade ACAT fee applies also to all IRA accounts: ROTH, traditional, SEP, and SIMPLE IRA.

To learn how to move your TD Ameritrade account into a different broker, read this article »


TD Ameritrade Wire Transfer Fees


Outgoing wire transfers at TD Ameritrade are $25 per transfer. Incoming TDA wire transfers are no charge.


TD Ameritrade Alternatives









ACAT Transfer Strategy


ACAT transferring brokerage accounts is quite simple and your new brokerage will gladly help you every step along the way. However, there are some things to keep in mind before starting the transfer process. ACAT transferring your account will not result in a taxable event. If your funds are currently trading below their cost basis, it is better to liquidate the account and report the loss on your taxes (assuming your funds are in a taxable account). Once liquidated, you can then simply close the account and open a new account at the brokerage of your choosing and take full advantage of their current promotions - such as Ally Invest promotional bonus of up to $3,000.

If your funds have surpassed their cost basis, then it is a better idea to defer taxes and ACAT transfer the account. During the transfer, your funds will continue to be invested in-kind, so you will not lose out on any potential gains. If your old brokerage offered commission free trades on some unique ETFs, you may not be able to continue making commission free trades on these ETFs with your new broker. While most large brokerages offer popular index fund ETFs commission free, each brokerage is slightly different in what they offer. Always check to see what options you have for free prior to moving your funds to a new brokerage.

Another thing to note is that you should not trade after initiating an ACAT account transfer. This can cause delays and complicates the process.

Most ACAT account transfers take around a week or two to complete.


td ameritrade transfer fee


TD Ameritrade Fees


If you use TD Ameritrade's automated phone system, the fee goes from $0 to $5. But, at $25, the fee really explodes for broker-assisted trades. If they fill an order in separate lots over two or more days, you’ll get charged for each lot. So you may want to specify all-or-none trades when dealing with TD Ameritrade.

Bonds trades cost a flat fee of $25, futures are $2.25 per contract and FOREX commissions depend upon the currency pair.

Mutual funds at TD Ameritrade not in NTF (no commission) program will cost a customer $49.99 to buy, and $0 to sell. This is also the amount you’ll hand over if you sell an NTF fund within 180 days.


TD Ameritrade ACAT Fees Disclaimer


For the most recent information on TD Ameritrade transfer fees (full and partial account transfer out, wire transfer and ACH charges, ACAT of eligible assets) visit their website.