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Effective URL: https://www.schwab.com/schwabsafe/security-guarantee
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< Our commitment to your security
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* Schwab Security Guarantee
SECURITY GUARANTEE
We want you to have the highest level of confidence when you do business with
Schwab.
We offer you this simple guarantee:
SCHWAB WILL COVER 100% OF ANY LOSSES IN ANY OF YOUR SCHWAB ACCOUNTS DUE TO
UNAUTHORIZED ACTIVITY.
The highest levels of security are only possible when we work together. To
ensure your protection under this guarantee, it is your responsibility to:
* Safeguard your account access information.1
If you share this information with anyone, we’ll consider their activities to
have been authorized by you.
* Report any unauthorized transactions to us as quickly as possible.2
If you suspect you are a victim of fraud, please contact us immediately at
888-3-SCHWAB.
There may be other individuals to whom you grant authority in your account.
Their activities in your account will also be considered authorized.3
We are committed to safeguarding your accounts and the privacy of your
information, as stated in our privacy policy. To further ensure a more secure
online experience, we recommend that you take these additional steps.
Visit the Security Knowledge Center for how-to guides, tips, and more to help
you stay safe online.
HERE IS MORE INFORMATION ON THE SCHWAB SECURITY GUARANTEE:
Click here Do I have to do anything to get this protection?
No. Schwab automatically provides this protection.
Click here How does this guarantee work?
If you suspect you have been a victim of unauthorized activity in your Schwab
account, notify Schwab at 888-3-SCHWAB immediately. We will promptly review your
claim and assist you in taking measures necessary to protect you from further
loss. You will be required to complete a notarized affidavit of fraud and to
identify items of unauthorized activity.
Click here Does the guarantee apply to Schwab Bank?
Yes. The guarantee applies to all Schwab Bank products. If you suspect you have
been a victim of unauthorized activity in your Schwab Bank account, notify
Schwab at 888-3-SCHWAB immediately. If an unauthorized advance is made on your
Schwab Bank loan account, you will not be responsible for repaying the amount of
the unauthorized advance or any related interest or transaction charge.
Click here Does the guarantee apply to my Schwab retirement plan accounts?
This guarantee applies to all individual retirement accounts held at Schwab. It
also applies to individual accounts of employees participating in
employer-sponsored retirement, equity compensation, deferred compensation and
other benefit plans ("Employee Benefit Plan Account"), where Schwab maintains
the account and holds the account assets. However, keep in mind that
transactions initiated by your employer, third party plan administrator (other
than Schwab Retirement Plan Services, Inc. or Schwab Retirement Plan Services
Company), trustee (other than Schwab Bank) or each of their employees,
representatives or agents who have access to your account, or other people to
whom you have granted authority to access your account or to act on your behalf,
are considered authorized and not covered.
Click here Does the guarantee apply to accounts managed by independent
investment advisors doing business with Schwab Advisor Services?
Yes. The coverage applies to unauthorized account activity in client accounts
managed by independent investment advisors. However, keep in mind that
transactions initiated by your investment advisor or other people to whom you
have granted authority to act on your behalf are considered authorized and not
covered.
Click here Does the guarantee apply to Charles Schwab Trust Company or Charles
Schwab Trust Company of Delaware?
No. Personal Trusts for which Charles Schwab Trust Company or Charles Schwab
Trust Company of Delaware act as trustee are subject to safeguards under state
law fiduciary standards and protections.
Click here Does the guarantee apply to my annuities or 529 college savings plan
accounts at Schwab?
No. Annuities and 529 college savings plan accounts are not included because the
assets are maintained by or held at a third party and Schwab cannot be
responsible for any failure of those third parties to safeguard your information
or protect your account.
Click here Does the guarantee apply to my account if I use a financial
application ("app") or program that retrieves my account data from Schwab for
things like financial planning or to help me manage my finances?
Yes, with some conditions. You must not share your Schwab login credentials with
anyone or through a non-Schwab app. A firm that retrieves, aggregates, and
presents account information to a customer for financial activities is known as
an "aggregator." When you authorize an aggregator and instruct Schwab to allow
the aggregator access to your account information, the aggregator as well as its
employees, agents and financial apps and companies the aggregator does business
with who receive your Schwab account information ("aggregator third parties")
are considered your authorized persons. The guarantee only applies to
unauthorized activity in your account. What an aggregator or an aggregator third
party does in connection with your account and your information is authorized,
so the guarantee does not apply to their actions.
WANT TO LEARN MORE?
Explore other security topics and measures.
* Our commitment to your security
* Security Knowledge Center
1. "Account access information" includes your login ID, password, or any other
information used by Schwab to authenticate you; as well as payment devices such
as credit cards, debit cards and checks. We may hold you responsible if we
determine that you shared this information, or unauthorized activity was caused
by your fraudulent conduct or gross negligence.
2. Reimbursement under the guarantee requires your timely reporting of
unauthorized activity to Schwab. Schwab will not be liable for additional or
increased losses resulting from a failure to report unauthorized activity in a
timely manner. Different transactions have different reporting deadlines. More
details are available in your account agreements, statements and trade
confirmations.
3. "Authorized" refers to transactions and other activity initiated by third
parties (who are not Schwab employees or Schwab companies), you have given
permission to access your account. This includes any authority you have granted
to manage your account, to act under any other power of attorney, or to access
your account information for any reason. "Authorized" also includes the
employees or agents of your authorized persons (whether individuals or
businesses) and their actions. This includes activity initiated by your
employer, your plan trustee (other than Schwab Bank), your third party plan
administrator (other than Schwab Retirement Plan Services, Inc.) and their
employees, representatives or agents that have access to your Employee Benefit
Plan Account. Schwab will also not be liable for the failure of those third
parties to safeguard your information or for any actions they take in connection
with accessing your account.
(0521-1BZ2)
Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value
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), offers
investment services and products, including Schwab brokerage accounts. Its
banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing
Lender), provides deposit and lending services and products. Access to
Electronic Services may be limited or unavailable during periods of peak demand,
market volatility, systems upgrade, maintenance, or for other reasons.
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.
© 2021 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. Unauthorized
access is prohibited. Usage will be monitored.
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(0620-0EMZ)