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Fees and Minimums

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Get some of the lowest pricing and account minimums in the industry—and never any hidden fees.

Fees and minimums for our most popular accounts.

$0 Account Maintenance Fees:

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

Accounts From Schwab Brokerage

Minimum to Open
$1,000

Additional Information

  • You will not be charged for keeping your money in a Schwab account. There are no fees to open or maintain your account. Other account fees, fund expenses and brokerage commissions may apply.
  • When evaluating transactions, consider any commissions or service fees that may apply.
  • You can trade stocks online for a flat $8.95 commission per trade.1
$1,000

Additional Information

  • There are no fees to open or maintain your account. Other account fees, fund expenses and brokerage commissions may apply.
  • When making investment decisions, consider any commissions or service fees that may apply.
  • Your earnings can grow tax-deferred. Visit our IRA center to see whether a Traditional or a Roth IRA is right for you.
  • These accounts offer valuable tax benefits.
  • A rollover of retirement plan assets to an IRA is not your only option. Carefully consider all of your available options which may include but not be limited to keeping your assets in your former employer's plan; rolling over assets to a new employer's plan; or taking a cash distribution (taxes and possible withdrawal penalties may apply). Prior to a decision, be sure to understand the benefits and limitations of your available options and consider factors such as differences in investment related expenses, plan or account fees, available investment options, distribution options, legal and creditor protections, the availability of loan provisions, tax treatment, and other concerns specific to your individual circumstances.
$1,000

Additional Information

  • There are no fees to open or maintain your account. Other account fees, fund expenses and brokerage commissions may apply.
  • When making investment decisions, consider any commissions or service fees that may apply.
  • These accounts offer valuable tax benefits.
$25

Additional Information

  • The Schwab 529 Plan includes a total program fee ranging from 0.45% to 1.41%.
  • This account is tax-advantaged when used for qualified education expenses.
  • There are no fees to open or maintain your account. Other account fees, fund expenses and brokerage commissions may apply.
$1,000

Additional Information

  • Qualified withdrawals are tax-free.2
  • When evaluating transactions, consider any commissions or service fees that may apply.
  • There are no fees to open or maintain your account. Other account fees, fund expenses and brokerage commissions may apply.
$100

Additional Information

  • When evaluating transactions, consider any commissions or service fees that may apply.
  • There are no fees to open or maintain your account. Other account fees, fund expenses and brokerage commissions may apply.
$1,000

Additional Information

  • There is no fee to set up a Schwab One® Trust Account. There are no fees to open or maintain your account. Other account fees, fund expenses and brokerage commissions may apply.
  • When evaluating transactions, consider any commissions or service fees that may apply.
$1,000

Additional Information

  • There is no fee to set up a Schwab One® Estate Account. There are no fees to open or maintain your account. Other account fees, fund expenses and brokerage commissions may apply.
  • When evaluating transactions, consider any commissions or service fees that may apply.

Please note: The minimum balance required to open an account is often waived if you set up an automatic monthly transfer.

At Schwab, we strive to make all of our pricing clear and transparent. Please see the Charles Schwab Pricing Guide for more details on all of our accounts.

Personal Defined Benefit Plan Set-Up Fee Annual Service Fee
One Person Only $750 $750
Key Employees Only3 $1,000 $1,000
Employers With Staff3 $1,200 + $50 per participant $1,500 + $100 per participant

Accounts From Schwab Bank

Minimum to Open
$0

Additional Information

  • This account offers a 0.10% variable APY.4
  • There are no ATM fees. Schwab Bank will reimburse you for any fees charged by other banks.5
  • This account is FDIC-insured up to $250,000.6
  • HYIC accounts are available only as linked accounts with Schwab One® brokerage accounts, which have no minimum balance requirements or requirement to fund when opened with a linked HYIC account. Other fees may apply. 7
$0

Additional Information

  • This account offers a competitive variable interest rate.
  • There are no ATM fees. Schwab Bank will reimburse you for any fees charged by other banks.5
  • This account is FDIC-insured up to $250,000.6
  • Other fees may apply. For more information, refer to your Schwab Bank Deposit Account Agreement, Schwab Bank Pricing Guide, and Schwab Bank Visa® Debit Card Agreement, or visit schwab.com/checking.

View High Yield Investor Checking account Features and Fees.

See the Schwab Bank Deposit Account Pricing Guide and Account Agreement for details.


Take the next step.

Take advantage of our low prices and exceptional service.

Talk to us: 866-232-9890

 
  • We're here to help.
  • OPEN

    We’ll help you choose the right account. Call 877-627-7734 or visit a local branch.

  • FUND

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  • INVEST

    Get a complimentary 1-on-1 consultation to select the right investments based on your goals.


Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

Before investing in a 529, carefully consider the plan's investment objective, risks, charges and expenses. This information and more about the plans can be found in the Schwab 529 Guide and Participation Agreement available from Charles Schwab & Co., Inc., and should be read carefully before investing.

You may request a Schwab 529 Guide and Participation Agreement by calling  or going to schwab.com/529. If you are not a Kansas taxpayer, consider before investing whether your or the beneficiary's home state offers a 529 plan that provides it's taxpayers with state tax and other benefits not available through this plan. Tax and financial aid treatment of 529 plans is subject to change. As with any investment, it is possible to lose money by investing in this plan.

The Schwab 529 College Savings Plan is available through Charles Schwab & Co., Inc., and is managed by American Century Invetment Management, Inc. The Plan was created by the Kansas State Legislature under the provisions of Section 529 of the Internal Revenue code and is administered by Kansas State Treasurer Ron Estes. Notice: Accounts established under the Schwab 529 Plan and their earnings are neither insured nor guaranteed by the State of Kansas, the Kansas State Treasurer, American Century Investment or Charles Schwab & Co., Inc. Accounts established under the Schwab 529 Plan are domiciled at American Century Investment and not at Schwab.