Great rates and personalized service for all your banking and credit needs

1. For information about rates, fees, other costs and benefits associated with the use of this credit card, please see Terms and Conditions.

2. The APY on the Schwab Bank High Yield Investor Checking account, with a minimum balance of $0.01, is 1.00% as of 12/19/2008. This rate is variable and may change without notice.

Unlimited ATM fee rebates apply to cash withdrawals using the Schwab Bank Visa® Platinum Check Card wherever it is accepted. ATM fee rebates do not include currency exchange fees; fees imposed by merchants for POS transactions; or fees for stamp purchases, balance inquiries, or any transactions other than an ATM cash withdrawal 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. Schwab Bank reserves the right to modify or discontinue the ATM fee rebate at any time.

This offer is subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an obligation to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard Insurance may be required. Program terms and conditions are subject to change.

Charles Schwab Bank and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Charles Schwab & Co., Inc., a registered broker-dealer and SIPC member, does not solicit, offer, endorse, negotiate or originate any mortgage loan products and is neither a licensed mortgage broker nor a licensed mortgage lender. All mortgage loans are offered and provided by Charles Schwab Bank, member FDIC and an Equal Housing Lender. Charles Schwab Bank is not acting or registered as a securities broker-dealer or investment advisor.

Schwab Bank is participating in the FDIC’s Transaction Account Guarantee Program.  Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.
The Bank Sweep feature available to customers that maintain brokerage accounts at our affiliate, Charles Schwab & Co., Inc., is not subject to the FDIC’s Transaction Account Guarantee Program, thus, Bank Sweep funds deposited in Schwab Bank are not guaranteed by the Transaction Account Guarantee Program.  However, funds held in deposit accounts at Schwab Bank under the Bank Sweep program will continue to be insured until December 31, 2009, for up to $250,000 under the FDIC’s general deposit insurance rules.