Schwab Bank High Yield Investor Checking accounts are only available as linked accounts with Schwab One brokerage accounts. There are no minimum balance requirements or minimum balance charges in order to open a Schwab One brokerage account when you also open a linked High Yield Investor Checking account. 

1. Unlimited ATM fee rebates apply to cash withdrawals using the Schwab 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 One account. Rebates are applied automatically when identified by ATM and network operators to Schwab as an eligible ATM fee. In the event that you have not received a rebate for a fee that you believe is eligible, please call a Schwab Client Service Specialist for assistance. Schwab reserves the right to modify or discontinue the ATM fee rebate at any time.
2. Bank sweep accounts are generally held at Charles Schwab Bank. Schwab Bank and Charles Schwab & Co., Inc. are separate but affiliated companies and wholly owned subsidiaries of The Charles Schwab Corporation.
Funds deposited at Schwab Bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 when aggregated with all other deposits held by you in the same capacity at Schwab Bank. Funds on deposit at Schwab Bank are not deposits or obligations of Charles Schwab & Co., Inc. and may not be covered by the Securities Investor Protection Corporation (SIPC). Note: The temporary increase of FDIC insurance coverage to $250,000 for all insurable capacities has been extended through December 31, 2013. If not further extended, FDIC coverage will revert to $100,000 on January 1, 2014 for all insurable capacities except IRAs and certain other self-directed retirement accounts and plans.  Unless the increased coverage is extended, deposit insurance coverage for CDs with a maturity date after December 31, 2013 will revert to the prior FDIC coverage on January 1, 2014, regardless of when you purchased the CD. You should not rely on a possible extension of this increased coverage in purchasing CDs.
3. The Annual Percentage Yield (APY) on the Schwab Bank High Yield Investor Checking account, with a minimum balance of $0.01, is 0.75% as of 04/27/2009. This rate is variable and may change without notice. The current APY on the High Yield Checking account for an account with $1 is 2 times higher (when rounded to the nearest whole number) than the national average APY of banks and thrifts (excludes credit unions), based upon a survey by Informa Research Services, Inc., Calabasas, CA (www.informars.com), as of April 21, 2009. Although the information has been obtained from the various institutions themselves, its accuracy cannot be guaranteed.
4. The Annual Percentage Yield (APY) quoted on the Schwab Bank High Yield Investor Savings account, with a minimum balance of $0.01, is 1.05% as of 08/18/2009. This rate is variable and may change without notice.
5. CDs from Schwab CD OneSource are issued by other FDIC-insured institutions, and are subject to change and system access. Unlike mutual funds, certificates of deposit offer a fixed rate of return and are FDIC-insured up to $250,000, per depositor per institution ($250,000 for certain retirement accounts). Visit www.fdic.gov  for details. There may be costs associated with early redemption and possible market value adjustment. Note: The temporary increase of FDIC insurance coverage to $250,000 for all insurable capacities has been extended through December 31, 2013. If not further extended, FDIC coverage will revert to $100,000 on January 1, 2014 for all insurable capacities except IRAs and certain other self-directed retirement accounts and plans.  Unless the increased coverage is extended, deposit insurance coverage for CDs with a maturity date after December 31, 2013 will revert to the prior FDIC coverage on January 1, 2014, regardless of when you purchased the CD. You should not rely on a possible extension of this increased coverage in purchasing CDs.

Charles Schwab Bank and Charles Schwab & Co., Inc. are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.