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WE ENCOURAGE YOUR QUESTIONS.

Here are answers to some top questions from investors like you:

What is the Schwab Security Guarantee?

Under the Schwab Security Guarantee, Schwab will cover losses in any of your
Schwab accounts due to unauthorized activity. Read more at Schwab.com/guarantee.
 

How much does it cost to work with Schwab?
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 * Thousands of non-load, no-transaction-fee mutual funds3
 * No charge to work with a Schwab Financial Consultant (other account fees,
   fund expenses, and brokerage commissions may apply)

*See all our pricing

There are certain eligibility requirements for working with a dedicated
Financial Consultant.

1. Standard online $0 commission does not apply to over-the-counter (OTC)
equities, transaction-fee mutual funds, futures, fixed-income investments, or
trades placed directly on a foreign exchange or in the Canadian market. Options
trades will be subject to the standard $0.65 per-contract fee. Service charges
apply for trades placed through a broker ($25) or by automated phone ($5).
Exchange process, ADR, and Stock Borrow fees still apply. See the Charles Schwab
Pricing Guide for Individual Investors for full fee and commission schedules.

2. ETFs at Charles Schwab & Co., Inc. ("Schwab") which are U.S. exchange-listed
can be traded without a commission on buy and sell transactions made online in a
Schwab account. Unlisted ETFs are subject to a commission. Please see pricing
guide for additional information. Schwab does not receive payment to promote any
particular ETF to its customers. Schwab's affiliate Charles Schwab Investment
Management, Inc. ("CSIM") serves as investment advisor to the Schwab ETFs, which
compensate CSIM out of the applicable operating expense ratios. The amount of
the fees is disclosed in the prospectus of each ETF.

3. Trades in no load funds available through Schwab's Mutual Fund OneSource®
service (including Schwab Funds), as well as certain other funds, are available
without transaction fees when placed through schwab.com or our automated phone
channels. For each of these trade orders placed through a broker, a $25 service
charge applies. Schwab's short-term redemption fee of $49.95 will be charged on
redemption of funds purchased through Mutual Fund OneSource® service and held
for 90 days or less. Schwab reserves the right to change the funds we make
available without transaction fees and to reinstate fees on any funds. Charles
Schwab & Co., Inc. receives remuneration from fund companies participating in
the Mutual Fund OneSource service for recordkeeping and shareholder services and
other administrative services. Schwab also may receive remuneration from
transaction fee fund companies for certain administrative services. 

There are no fees to open or maintain your account. Other account fees, fund
expenses, and brokerage commissions may apply.

How do I open an account?

You can open an account online, by phone, or in one of over 300 branches.
Click here to open an account online in about 10 minutes.

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Or call us at 800-435-4000 or find a branch.

What kind of investment products does Schwab offer?

Schwab offers a wide selection of investment products to help you build a
diversified portfolio and reach your goals. 

How easy is it to switch brokerage providers?

Moving your existing account to a new brokerage firm may seem daunting, but
Schwab makes the process easy:

 1. Open a Schwab account.
 2. Use our online account transfer tool to initiate the process and monitor
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Need help? Our account transfer specialists can assist you every step of the
way.
Call us at 800-435-4000.

Click here to open a Schwab account or log in to begin the transfer process.

Why should I bank with Schwab Bank?

Schwab Bank Investor Checking™ is the checking account built for investors like
you. It is conveniently linked to a Schwab One® Brokerage account so you get all
the features of our award-winning checking account plus cash management
solutions designed for investors like you—seamlessly in one place, with one
login, only from Schwab.1

Enjoy features designed especially for investors:

 * Quickly move money: move cash between brokerage and checking accounts in
   seconds and access it instantly for trading and investing2
 * Manage both checking and investing with a single login

Plus, get award-winning checking account benefits:

 * No fees or minimums: Unlimited ATM fee rebates for cash withdrawals
   worldwide.3 Plus, no monthly service fees,4 account minimums, foreign
   transaction fees,3 or overdraft fees.
 * Know your money is secure: Keep your money safe with features like fraud
   alerts and travel notifications, plus FDIC insurance on up to $250,000 per
   depositor.5 
 * Access 24/7 assistance from dedicated teams
 * Receive free standard checks once your account is funded with at least $100,
   and Schwab Bank Bill Pay™ will be activated and a Visa® Platinum Debit Card
   will be sent upon account funding.

Open a Schwab Bank Investor Checking account today.

 

1. The Schwab Bank Investor Checking™ account is available only as a linked
account with a Schwab One® brokerage account. The Schwab One brokerage account
has no minimum balance requirements, no minimum balance charges, and no minimum
trade requirements, and there is no requirement to fund this account when opened
with a linked Investor Checking account. 

2. In general, cash moved from your brokerage account is available in seconds;
however, during weekend and afterhours, it may not be available until the next
business day.

3. Unlimited ATM fee rebates apply to cash withdrawals using the Schwab Bank
Visa® Platinum Debit Card wherever it is accepted. ATM fee rebates do not
include any fees imposed by merchants or ATM operators for POS transactions, or
fees for stamp purchases, balance inquiries, non-local ATM currency withdrawal
fees (referred to as dynamic currency conversion fees), or any other transaction
other than an ATM cash withdrawal in local currency from your Schwab Bank
account. Schwab Bank makes its best effort to identify those ATM fees eligible
for rebate based on information it receives from Visa and ATM operators. In the
event that you have not received a rebate for a fee that you believe is
eligible, please call a Schwab Bank Client Service Specialist for assistance at
888-403-9000 (or for clients of independent investment advisors, a Schwab
Alliance Service team Member at 800-515-2157). Schwab Bank reserves the right to
modify or discontinue the ATM surcharge rebate at any time.

If you use your Card to withdraw foreign currency from an ATM or to pay for a
purchase with foreign currency Schwab Bank charges your account for the U.S.
dollar equivalent of the transaction. Depending on the specific arrangements
that are in place, the exchange rate and calculation of the U.S. dollar
equivalent will be done by the bank at which you conduct the transaction, the
network to which the ATM belongs, or Visa. The bank or network may also charge a
fee. Schwab Bank does not assess foreign transaction fees (i.e., a fee to
convert U.S. dollars to local currency) to debit card holders. See the Schwab
Bank Visa Debit Card Agreement for details.

4. Schwab Bank's Investor Checking account has no account maintenance or
activity fees. Fees may be assessed for additional services such as custom check
orders, outgoing wires, or rush delivery. Review Schwab Bank's full Deposit
Account Pricing Guide or contact Schwab Bank at 888-403-9000. Schwab Bank
reserves the right to amend these terms at any time.

5. Funds deposited at Charles Schwab Bank, SSB, are insured, in aggregate, up to
$250,000 based on account ownership type by the Federal Deposit Insurance
Corporation (FDIC). 
 


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 * INVESTMENT PROFESSIONALS
   
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CHECK THE BACKGROUND OF CHARLES SCHWAB OR ONE OF ITS INVESTMENT PROFESSIONALS
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DJIA
39,591.30 -756.67 (-1.88%)
NASDAQ
16,734.15 -460.00 (-2.68%)
S&P 500
5,328.78 -117.90 (-2.16%)
Russell 2000
2,107.42 -78.74 (-3.60%)
Time (ET)
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Please read the Schwab Intelligent Portfolios Solutions™ disclosure brochures
for important information, pricing, and disclosures related to the Schwab
Intelligent Portfolios and Schwab Intelligent Portfolios Premium programs.

Schwab Intelligent Portfolios® and Schwab Intelligent Portfolios Premium® are
made available through Charles Schwab & Co. Inc. ("Schwab"), a dually registered
investment advisor and broker dealer. Portfolio management services are provided
by Charles Schwab Investment Management, Inc. ("CSIM"). Schwab and CSIM are
subsidiaries of The Charles Schwab Corporation.

There is no advisory fee or commissions charged for Schwab Intelligent
Portfolios. For Schwab Intelligent Portfolios Premium, there is an initial
planning fee of $300 upon enrollment and a $30-per-month advisory fee charged on
a quarterly basis as detailed in the Schwab Intelligent Portfolios Solutions™
disclosure brochures. Investors in Schwab Intelligent Portfolios and Schwab
Intelligent Portfolios Premium (collectively, "Schwab Intelligent Portfolios
Solutions") do pay direct and indirect costs. These include ETF operating
expenses which are the management and other fees the underlying ETFs charge all
shareholders. Schwab does not charge an advisory fee for the SIP Program in part
because of the revenue Schwab Bank generates from the cash allocation (an
indirect cost of the Program). The portfolios include a cash allocation to
FDIC‐insured Deposit Accounts at Charles Schwab Bank, SSB ("Schwab Bank").
Schwab Bank earns income on the deposits, and earns more the larger the cash
allocation. The lower the interest rate Schwab Bank pays on the cash, the lower
the yield. Some cash alternatives outside of Schwab Intelligent Portfolios
Solutions pay a higher yield. Schwab Intelligent Portfolios Solutions invests in
Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management Inc.,
receives management fees on those ETFs. Schwab Intelligent Portfolios Solutions
also invests in third-party ETFs. Schwab receives compensation from some of
those ETFs for providing shareholder services, and also from market centers
where ETF trade orders are routed for execution. Fees and expenses will lower
performance, and investors should consider all program requirements and costs
before investing. Expenses and their impact on performance, conflicts of
interest, and compensation that Schwab and its affiliates receive are detailed
in the Schwab Intelligent Portfolios Solutions disclosure brochures.

This advertising, and franchise sales information within it, is not intended as
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Charles Schwab & Co., Inc., 3000 Schwab Way Westlake, TX 76262-8104

MN Franchise Registration Number: F-6699

Schwab Asset Management® is the dba name for Charles Schwab Investment
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by, the Bank or any of its Affiliates • Subject to Investment Risks, Including
Possible Loss of Principal Amount Invested

The Charles Schwab Corporation provides a full range of brokerage, banking and
financial advisory services through its operating subsidiaries. Its
broker-dealer subsidiary, Charles Schwab & Co. Inc. (Member SIPC), and its
affiliates offer investment services and products. Its banking subsidiary,
Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides
deposit and lending services and products.

This site is designed for U.S. residents. Non-U.S. residents are subject to
country-specific restrictions. Learn more about our services for non-U.S.
residents, Charles Schwab Hong Kong clients, Charles Schwab U.K. clients.

© 2024 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. Unauthorized
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