How long do you have to keep money in Charles Schwab to get the bonus?
Plan on about 365 days with roughly $25,000 parked at Charles Schwab. Measured that way the $100 - $1,000 bonus is worth 4.0% effective APY, which is the only honest way to compare it to a savings account.
Move brokerage money you already have and Schwab pays a tiered cash award. Nothing is invested for you and nothing is locked.
The numbers, in full
| Payout | $100 - $1,000 |
|---|---|
| What it takes | Open through a Schwab client referral link and net deposit new money: $25,000 for $100, $50,000 for $300, $100,000 for $500, or $500,000 for $1,000. The deposit must be new money to Schwab and must stay for the qualifying period. |
| Direct deposit needed | No |
| Money tied up | $25,000 |
| Time committed | 365 days |
| Effective APY | 4.0% |
| Per hour of your time | $2,264/hr |
| When it pays | roughly 45 days after the deposit clears |
| Offer ends | No published end date |
| Last checked | Aug 14, 2026 |
What the return actually looks like
$25,000 committed for about 365 days pays $1,000, which annualizes to 4.0%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 48.7% | |
| 45 days | 32.4% | |
| 60 days | 24.3% | |
| 90 days | 16.2% | |
| 120 days | 12.2% | |
| 180 days | 8.1% | |
| 270 days | 5.4% | |
| 365 days | 4.0% | The offer's own stated window |
Open it
This link is our personal referral. It costs you nothing and often pays you more than the public page.
Related questions
Hold time
Same question, different offer.
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