Information Density: Charles Schwab & Co., Inc. – Signal Evidence & AI Readability

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Immediately invest your cash and earn 3.4% or more.

Explore current rates and yields

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Take the next step.

Open an account

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How we work together is up to you.

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Invest on my own

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Trade with thinkorswim®

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Automate my investing

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Work with an advisor

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You deserve more. We can help.

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World-class education for every investor.

Explore Insights & Education

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Transparent pricing and low costs.

See all our fees

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Your satisfaction is guaranteed and your security is our priority.

Satisfaction Guarantee

Security Guarantee

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Get started with one of our most popular accounts.

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Individual Brokerage
Invest in stocks, ETFs, options, bonds, and more with a personal account.

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Joint Brokerage
Invest in stocks, ETFs, options, bonds, and more with another individual.

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Roth IRA
Plan for your future with a Roth IRA.

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Traditional IRA
Plan for your future with a Traditional IRA.

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Rollover IRA
Roll over your prior retirement plan from a former employer.

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Schwab is the first brokerage to win #1 Overall, #1 Mobile Apps, and #1 Customer Service in the same year since 2017

[IMG: Stockbrokers.com 2026 #1 Overall Brokerage, Mobile Trading Apps, and Customer Service awards]

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Important information about our relationship with you: Client Relationship Summaries

Our Client Relationship Summaries offer a brief summary of our services, fees, and obligations when we work with you in a broker-dealer or an investment advisory relationship. Learn more at schwab.com/transparency >

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We encourage your questions.

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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?

$0 online listed stock, option, and ETF trade commissions1,2Thousands of non-load, no-transaction-fee mutual funds3No charge to work with a Schwab Financial Consultant (other account fees, fund expenses, and brokerage commissions may apply)*See all our pricingThere 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.Choose your account type.Complete an application.Get started funding and investing.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:Open a Schwab account.Use our online account transfer tool to initiate the process and monitor progress.View and access your assets in your Schwab account.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.1Enjoy features designed especially for investors:Quickly move money: move cash between brokerage and checking accounts in seconds and access it instantly for trading and investing2Manage both checking and investing with a single loginPlus, 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 teamsReceive 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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Have more questions? We're here to help.

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Call

800-435-4000

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Chat

Get live online assistance 24/7

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Visit

Find a branch near you

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Other sites for advisors, investment professionals, and employers

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Advisors

Get information about going independent with Schwab Advisor Services™ or becoming an independent franchise owner through Schwab Franchise.

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Investment professionals

Get information about Schwab Funds® and Schwab ETFs™ from Charles Schwab Investment Management, Inc.

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Employers

Get information about Workplace Financial Services.

[H3] Check the background of Charles Schwab or one of its investment professionals using FINRA's BrokerCheck.

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footer links

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For Clients

Digital PlatformsSchwab Mobile App

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Independent Branch

Schwab Franchise

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About Schwab

Code of ConductCorporate InformationSchwab CareersSchwab Community Service

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International

Hong Kong, China
London, UK
Other regions

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Multilingual Services

中文

Contact us

[IMG: An investor stands near his computer]

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Commission-free trading online. Same award-winning experience.
$0 online trades1+ $0.65 per options contract3No account or trade minimumsNo hidden feesOpen an account

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Trading Fees and Commissions

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$0
Listed Stocks and ETFs
online commission1,2

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$0
Options
online base commission + $0.65 per contract fee3

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$0
Mutual Funds
on thousands of funds from Schwab Mutual Fund OneSource4

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$0
Bonds - New Issues
Online trading***

[H2] Trading Fees and Commissions

Online Trades

Broker-Assisted Trades

Listed Stocks and ETFs1,2

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$0 online commission

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$0 + $25 service charge

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Options3,5

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$0 online base commission + $0.65 per contract fee6

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$0.65 per contract + $25 service charge

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Exercised and Assigned Options

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$0 online commission

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$0 commission

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US Over-The-Counter (OTC) Equities1

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$6.95

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$6.95 + $25 service charge

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Schwab Mutual Fund OneSource®4

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$0

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$0 + $25 service charge

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All other mutual funds7

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Up to $74.95 per purchase

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Online pricing + $25 service charge

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Futures8

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$2.25 per contract

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$2.25 per contract

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Futures Options8

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$2.25 per contract

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$2.25 per contract

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Forex8

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$0 online commission; trade costs reflected in the bid/ask spread

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Online pricing

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New issues, including CDs

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Selling concession is included in the offering price

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Selling concession is included in the offering price

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Canadian Securities (Local exchange & OTC)

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$6.95

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$6.95 + $25 service charge

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Foreign stock transactions placed on the U.S. over-the-counter (OTC) market9

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$50 foreign transaction fee

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$75 ($50 foreign transaction fee and a $25 broker assistance fee)

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Foreign stock transactions placed directly on local exchanges

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Not available

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The greater of $100 or 0.75% of principal, with no maximum

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Treasuries, including Auction and Secondary: Treasury Bonds, Treasury Bills, Treasury Notes and TIPS

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$0

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$0 + $25 service charge

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Other Secondary Trades: CDs, Corporate Bonds, Municipal Bonds, Government Agencies, Zero-Coupon Treasuries, including STRIPS

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$1 per bond*$10 minimum$250 maximum*

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Online pricing + $25 service charge

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Commercial Paper, Foreign Bonds, Asset-Backed Securities, Mortgage-Backed Securities, Collateralized Mortgage Obligations, and Unit Investment Trusts

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These are specialty products. Please contact us at 800-626-4600 for information.

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These are specialty products. Please contact us at 800-626-4600 for information.

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Preferred Listed Stocks and REITs1

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$0

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$0 + $25 service charge

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All Account Fees and Minimums

Opening and Maintenance Fees†

Account Minimums

Brokerage (Individual and Joint)

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$0

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$0

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IRA (Traditional, Roth, or Rollover)

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$0

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$0

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Schwab Global Account™

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$0

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$0

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Schwab One® Trust

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$0

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$0

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Schwab One® Estate

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$0

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$0

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DAFgiving360™10

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$0

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$0

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529 College Savings11

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$0

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$0

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Education Savings

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$0

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$0

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Schwab One® Custodial (UGMA/UTMA)

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$0

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$0

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Individual 401(k) Plan

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$0

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$0

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Inherited IRA/Inherited 401(k)

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$0

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$0

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Schwab Personal Choice Retirement Account® (PCRA)

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$0

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$0

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SEP-IRA

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$0

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$0

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SIMPLE-IRA

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$0

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$0

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Personal Defined Benefit Plan

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$0

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$0

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Business 401(k)

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$0

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$0

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Company Retirement Plan

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$0

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$0

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Schwab Bank Account information
For Schwab Bank Account information:

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Open an account

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Popular investment accounts

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Individual Brokerage
Invest in stocks, ETFs, options, bonds, and more with a personal account.

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Joint Brokerage
Invest in stocks, ETFs, options, bonds, and more with another individual.

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Roth IRA
Plan for your future with a Roth IRA.

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Traditional IRA
Plan for your future with a Traditional IRA.

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Rollover IRA
Roll over your prior retirement plan from a former employer.

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Brokerage & Trading

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Schwab One® Brokerage Account¹
Get $0 online equity trades and invest in stocks, fractional shares, mutual funds, ETFs, index funds, bonds and more.

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Schwab One® Brokerage and a Schwab Bank Investor Checking™ Account²
Open a brokerage account and a checking account. Get the features of both and move money quickly between accounts.

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Schwab One® Brokerage Account and a Schwab Futures Account
Open a brokerage account and apply for a futures trading account. With approval, trade over 100 types of futures contracts nearly 24/5.

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Schwab Teen Investor™ account³
For parents opening a brokerage account with their teen.

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Global Account
For U.S. investors who want to trade in foreign markets in local currencies.

View more

If approved your Schwab Bank Investor Checking and Investor Savings accounts are offered by Charles Schwab Bank, SSB Member FDIC. Your linked brokerage account will be opened with Charles Schwab & Co., Inc. (Member SIPC). Schwab One brokerage accounts are not insured by the FDIC; are not deposits; and may lose value.

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Retirement

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Roth IRA
Prepare for retirement using after-tax dollars.

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Traditional IRA
Prepare for retirement with a tax-deferred account.

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Rollover IRA
Move funds to Schwab from your old employer-sponsored retirement plan.

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Inherited IRA
Transfer your inherited IRA to a Schwab Inherited IRA.

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Custodial IRA
Help your child learn the value of saving and investing.

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Automated Investing

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Schwab Intelligent Portfolios®
Our robo-advisor builds, monitors and automatically rebalances a diversified portfolio.

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Education & Custodial

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529 College Savings Plan
Tax-advantaged education fund for your child or loved one.

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Education Savings Account
Tax-deferred account for educational expenses kindergarten through college.

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Custodial Account
Brokerage account for making financial gifts to a minor.

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Trust & Estate

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Schwab One® Trust Account
Brokerage account for estates, for easier asset management and protection.

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Schwab One® Estate Account
For executors or court-appointed administrators of estates.

Charles Schwab & Co., Inc. is not an FDIC-insured bank and deposit insurance covers the failure of an insured bank. Charles Schwab & Co., Inc. is a brokerage firm and a member of SIPC, which provides protection for brokerage account assets. Non-deposit products are not insured by the FDIC; are not deposits; and may lose value.

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Banking

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Schwab Bank Investor Checking™ Account²
A checking account for investors, linked to your Schwab One brokerage account.

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Schwab Bank Investor Savings™ Account⁴
Manage your finances easier with an FDIC-insured savings account.

If approved your Schwab Bank Investor Checking and Investor Savings accounts are offered by Charles Schwab Bank, SSB Member FDIC. Your linked brokerage account will be opened with Charles Schwab & Co., Inc. (Member SIPC). Schwab One brokerage accounts are not insured by the FDIC; are not deposits; and may lose value.

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All Other

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DAFgiving360™
Simple, tax-efficient solution for charitable giving.

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Organization Account
Enjoy wealth management with choice, value, advice and transparency.

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SIMPLE IRA
Retirement plan for businesses with up to 100 employees.

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Personal Defined Benefit Plan
Retirement plan for owner-only businesses or those with up to five employees.

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Business 401(k) Plan
Retirement plan for businesses of any size. Permits higher level of salary deferrals.

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Company Retirement Account
Brokerage account that holds assets of a customized retirement plan.

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Individual 401(k) Plan - Traditional & Roth
Retirement plan for owner-only businesses with no employees.

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SEP-IRA
Retirement plan for owner-only businesses or those with just a few employees.

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Personal Choice Retirement Account
Brokerage account connected to your employer-sponsored retirement plan.

See all forms and applications

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Need more help?
View accounts organized by financial goal.

Accounts by financial goal

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Questions? We're ready to help.

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Call
866-855-9102

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Chat
Connect with a specialist

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Visit
Locate a branch

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Locate
Find a financial consultant

Not a U.S. resident?

Live chat

Open a futures account

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Choose a type of brokerage + futures account to open.

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Individual Brokerage + Futures Account
Open a brokerage account and apply for a futures account with Charles Schwab Futures and Forex at the end of the account opening process.

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Already a client? Log in to get started.
Already have a brokerage account? Log in to add & apply for futures and futures options trading.

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Investment products to help you pursue your goals.
Explore our wide range of investment choices to build a strategy that's right for you.

Open an account

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Popular products

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Bonds & fixed income
Diversify your portfolio with fixed income investments like individual bonds, CDs, or U.S. Treasuries.

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ETFs
Choose from low-cost Schwab ETFs or more than 3,000 ETFs across a range of fund companies.

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Money market funds
Access a wide range of money market funds designed to provide high liquidity with lower risk.

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Mutual funds
Get access to thousands of funds aligned to your goals—many with no transaction fees.

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Stocks
Trade stocks listed on U.S. exchanges, international stocks, or fractional shares of S&P 500® companies.

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Options
Take advantage of sophisticated options tools, education, and specialized support.

View more

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Featured products

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Cash products
Earn potentially higher yields and get easy access to funds with savings and investment cash options like CDs and money market funds.

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Alternative investments
Gain access to strategies beyond public markets with assets like hedge funds, private equity, private credit, and real estate—each with their own benefits and risks.

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Additional products

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Annuities

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Insurance

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Securities Lending Fully Paid

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Futures

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Forex

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International stocks

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Margin

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Pledged Asset Line®

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Cryptocurrency

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More to explore

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Thematic investing
Invest in ideas you believe in. Choose from over 50 themes built with Schwab's proprietary research.

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Wealth & Investment Management
Plan for today, for tomorrow, and for generations with the collaboration of Schwab professionals.

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Financial planning
Get a complimentary digital plan or one-on-one guidance from a Financial Consultant.

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No matter where you are in your financial journey, we're here to help.

Open an account

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Have questions about your investment options?

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Call

800-355-2162

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Chat

Professional answers 24/7

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Visit

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