Best IRA Offers: Brokerage IRA Account Promotions, Bank IRA Bonuses and Deals

2017 list of best IRA promotions, incentive offers, and cash bonuses for new clients for opening new online broker/bank retirement account or for IRA rollover. Current best companies deals on traditional IRA, ROTH, SEP, SIMPLE, 401(k): cash, free trades, and account transfer offer codes.

Ally Invest rating

Ally Invest

Ally Invest IRA Promotion

Switch to Ally Invest and get up to $150 in transfer fees reimbursed.

Details: Ally Invest IRA promotion conditions.

Ally Invest IRA Review

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Optionsxpress rating


OptionsXpress IRA Promotion

Open OptionsXpress account and get 50 free trades.

OptionsXpress IRA promotion conditions.

OptionsXpress Review

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TD Ameritrade rating

TD Ameritrade

TD Ameritrade IRA Promotion

Trade free for 60 days + get up to $600. TDA

Details: TD Ameritrade IRA promotion conditions.

TD Ameritrade IRA Review

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Optionshouse rating


OptionsHouse IRA Promotion

Open and fund an OptionsHouse account to get up to $1,000 in free commissions for 60 days.

Details: Optionshouse IRA promotion conditions.

OptionsHouse IRA Review

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Scottrade rating


Scottrade IRA Promotion

Open account and start saving with Scottrade today.

Details: Scottrade IRA promotion conditions.

Scottrade IRA Review

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Etrade rating


Etrade IRA Promotion

60 days of free trades for deposits of $10k or more.

Details: Etrade IRA promotion conditions.

Etrade IRA Review

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Firstrade rating


Firstrade IRA Incentive

$100 free with a minimum deposit of $5,000.

Details: click for details

Firstrade IRA Review

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Wealthfront rating



Link: Get your first $10,000 managed for free.

Details: click for details

Wealthfront IRA Review

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Charles Schwab rating

Charles Schwab

Charles Schwab

Link: Make $100,000 deposit and get 500 commission-free online equity and options trades.

Details: click for details

Charles Schwab IRA Review

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Best IRA Promotion Offers

Competition among discount brokerages is intense, so companies frequently offer IRA promotions to open new retirement accounts or transfer an account from a competitor. Each promotion discussed below applies to all Individual Retirement Accounts (IRAs) including traditional, Roth, SEP, SIMPLE, and 401k Rollover IRAs unless otherwise noted.

Ally Invest

Ally Invest will reimburse another firm's transfer fee, up to $150, when a client moves an account worth at least $2,500. There is no promo code required for this offer. The special only refunds transfer fees. It does not cover closeout or termination charges.

TD Ameritrade

TD Ameritrade offers a sliding scale promotion for new accounts based on the amount deposited into a new account. For a minimum deposit of $3,000, an investor receives 60 days of commission-free trading. Depending on the investor's trading activity, the savings can be enormous because no limit is placed on the number of free trades that can be made. With a deposit of at least $25,000, a trader receives 60 days of commission free trades plus $100. For deposits of at least $100,000, the investor receives 60 days of free trades plus $300. And for deposits of at least $250,000, the investor receives 60 days of free trades plus $600.

This is one of the best IRA promotions we have ever seen. The minimum deposit (minus trading losses) must remain in the account for 12 months to avoid retroactive commission charges. Offer link: Trade free for 60 days + get up to $600. TDA


The IRA promotion offer from OptionsHouse is 100 commission-free trades within 60 days of funding a new account. The minimum deposit to receive the free trades is $5,000. OptionsHouse does not stipulate if the account must be maintained for a minimum length of time to receive the free trades. Link: Open and fund an OptionsHouse account to get up to $1,000 in free commissions for 60 days.


E*Trade offers yet another variation on the TD Ameritrade/Scottrade IRA promotional model (60 days of free trades for deposits of $10k or more. ) Free trades for 60 days after the date of account funding are offered for minimum initial deposits into new accounts of $10,000. Eligible trades are stocks and options. Trades must be made within 60 days of account funding. E*Trade limits the number of commission-free trades to 500.

Cash bonuses are offered for larger initial deposits in addition to the free trades for 60 days. The breakpoints are: $25,000+ earns $200; $100,000+ earns $300; $250,000+ earns $600; $500,000+ earns $1,200; $1,000,000+ earns $2,500.

Updated on 5/23/2017.

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