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Legal & Compliance



Prevent unauthorized account access.

Online security is a partnership. Here is what you need to do:

Make sure your information is current.

  • Verify your contact information. If we suspect unauthorized access to your account, we may need to contact you. Make sure that we have your most recent phone numbers and email address. You can update your contact information online or by calling 800-435-4000

Protect your computer from viruses and hackers.

  • Update your computer. Older operating systems, browsers, and software may be more vulnerable to attack. Make sure you use the latest version of your computer’s operating system, Internet browser, and software. Configure your computer’s operating system and browser to receive updates automatically.
  • Activate your computer’s firewall. Your computer’s operating system should have a firewall—software that is designed to prevent unauthorized access to your computer by blocking suspicious people or websites. Make sure you have a firewall, and that it is turned on and up-to-date. For a tutorial on how to turn on common operating system firewalls, go to the federal government’s Onguard Online site.
  • Install anti-virus software. Anti-virus software can be set to scan your files and emails to detect an existing virus, and to update your computer regularly with new anti-virus information. Make sure your computer has anti-virus software, that it is turned on, and your subscription is current. For more information, please visit the federal government’s Onguard Online site.
  • Install anti-spyware software. Anti-spyware software helps protect your computer from malicious programs, usually installed without your consent, designed to monitor or control your computer use. Make sure your computer has anti-spyware software, that it is turned on, and your subscription is current. For more information, please visit the federal government’s Onguard Online site.

Use extra caution when logging in away from home.

  • Be cautious using public computers. The best policy is to avoid using computers you do not trust. Some computers, even ones in legitimate business centers, may contain malicious software. If you must use a public or shared computer, once your session is complete, be certain to do the following before leaving the computer:
      1. Click the Log Out button on
      2. Clear the browser’s cookies and clear the cached files from the browser.
      3. Close the browser.
  • Only use wireless networks you trust. Your information may be vulnerable when you log in on an unsecured wireless network, whether at home or in a public area. Some wireless networks in public areas reduce their security, making it easier for individuals to access and use these networks. Do not use a wireless network when you don’t know or trust whoever is responsible for the network.
  • Be ready to answer a login question. We monitor your account to get a clear picture of your normal online activity at Schwab. If your behavior changes, we may ask you for additional authentication. We may do this by calling you or asking you for a Personal Identification Number (PIN). You can simplify this step by calling 800-435-4000 to update your contact numbers or by requesting a temporary PIN before traveling.
  • Use a token. You can make every login more secure by using a token, a small device that creates a six-digit number that serves as an additional password every time you log in. A token, in essence, gives you a new numeric password each time you log in. To order a free token, call us at 800-435-4000.
Charles Schwab Token