Charles Schwab Schwab One brokerage bonus: is $1,000 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $500,000 for 365 days, the tier that adds the most.
Yearly rate on $500,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$100$25,000$100 bonus · 365 days
- +$300$50,000$300 bonus · 365 days
- +$500$100,000$500 bonus · 365 days
- +$1,000$500,000Best for you$1,000 bonus · 365 days
The math
Compared with leaving $500k at 4.15%
Deposit $500,000 in new money within 45 days · Keep $500,000 there until day 365. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Deposit $500,000 in new money within 45 days
- 2Keep $500,000 there until day 365
- Ends
- No end date listed
- Where
- Nationwide
- Pays while it's there
- 4.15% a year
- Monthly fee
- None
- Keep it open
- At least 365 days, or the bonus can be taken back
- Cash stays
- About 365 days
- Bonus paid
- Usually within 14 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Charles Schwab Schwab One brokerage bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $500,000 tier adds +$1,000: the $1,000 bonus plus $20,750 interest, minus the $20,750 that cash would have earned in 365 days. The $100,000 tier adds +$500. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $500,000 in new money within 45 days; keep $500,000 there until day 365. Open nationwide.
When does it end?
No end date is listed. The terms were last checked Oct 9, 2026.