[Expired] Charles Schwab $100–$500 Savings Bonus (0.4%–0.5% Effective APY) - 2026 Review
Below is the offer exactly as we last tracked it, kept for reference. It may no longer be available to open.
- Bonus tiers
- $100 for a $25,000+ deposit
- $300 for a $50,000+ deposit
- $500 for a $100,000+ deposit
- Availability: Nationwide
- Lifetime limit: one bonus per customer
- Monthly fee: $0
- No early-closure rule listed
- Funding window: 45 days
- Maintenance/hold period: 365 days
- Total practical hold: ~395 days
Bonus Tiers & Effective APY
Overview
Charles Schwab's $500 savings promotion is expired. This page preserves the final tracked tiers, requirements, and history.
Pros
Cons
Notes
Fund the account inside the 45-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 365-day maintenance period. Avoid moving the money until the reward posts.
How This Compares to Other Bonuses
Charles Schwab's $500 headline payout is closest to Chase Business Checking's $500 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Charles Schwab promotion?
The final tracked promotion paid up to $500; it is now marked expired.
How much money is required for the Charles Schwab bonus?
The highest advertised payout currently requires $100,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 395 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Referral required. New Schwab checking customers only. Net-new assets, ~12-month hold (asset transfer, NOT payroll direct deposit).
Fees
Sources (2)
We last checked this against the bank's page on September 3, 2026.
More Charles Schwab offers we track
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
Comments (0)
Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.