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Charles Schwab $100 - $1,000 brokerage bonus: the real math

Posted August 14, 2026

Charles Schwab pays $100 - $1,000 on the Brokerage Account. Here is the requirement, the hold time, the effective return and what it works out to per hour ($2,264/hr).

The offer: Charles Schwab is paying $100 - $1,000 on the Brokerage Account.

What you have to do: 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.

The numbers, before you spend an hour on it

| Measure | This offer | | --- | --- | | Payout | $100 - $1,000 | | Money you have to park | $25,000 | | How long it sits still | 365 days | | Effective annual return on that money | 4.0% | | Your own time, roughly | 27 minutes | | What that works out to per hour | $2,264/hr | | Minimum to open | $0 | | Direct deposit needed | No | | When it pays | roughly 45 days after the deposit clears |

Is it worth it

Yes, comfortably. Very few side hustles in America pay this well for an evening of paperwork.

Step by step

  1. Open Charles Schwab through the link below and finish the application in one sitting.
  2. Fund the account with at least $25,000.
  3. Leave it alone for 365 days so nothing claws the bonus back.
  4. Expect the payout: roughly 45 days after the deposit clears. Put a reminder on your calendar.

The honest part

The button below is my personal referral link, so I may get a bonus too when you sign up. It costs you nothing, and when the public offer pays more I say so instead. Link status at last check: live.

Open the referral link

Full payout math, charts and state availability live on the Charles Schwab bonus page.

This is not financial advice. Bonus terms change; read the bank's page before you apply.

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