All Accounts

What accounts best fit your needs? Here's help.

Icon Brokerage Trading

Brokerage & Trading

Schwab One® Brokerage Account

$0 online equity trades1 backed by a satisfaction guarantee.2 Invest in 10+ categories of investment products, with no fees to open or maintain your brokerage account3, and no account minimum.

Learn more about our Brokerage Account

Brokerage Account plus Specialized Platforms and Support for Trading

Brokerage Account plus Specialized Platforms and Support for Trading

All the benefits of the Schwab One Brokerage Account, plus powerful, intuitive, and customizable trading platforms, trading education and events, as well as support from dedicated specialists—all with no trade minimums and no account or platform fees.3 Also available for IRA.

Learn more about Advanced Trading

Global Account

Global Account

Designed for U.S. investors seeking to trade online through Schwab in 12 of the top-traded foreign markets, in local currencies. No account or trade minimum. Real-time quotes during foreign market hours.4 Learn more about our Global Account

Organization Account

Wealth management with choice, value, advice and transparency. And the added convenience of managing needs such as investing business revenue, managing endowments or preserving family wealth. Learn more about our Organization Account

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Icon Retirement

Retirement

Roth IRA

Contribute after-tax dollars. Any earnings grow tax-deferred and can be withdrawn tax-free when they qualify. No mandatory withdrawals (unlike a Traditional IRA). Learn more about our Roth IRA

Traditional IRA

Traditional IRA

May allow pre-tax contributions for tax-deferred growth.5 No income limitations to open (unlike a Roth IRA). Option for those who expect to be in the same or lower tax bracket in the future. Mandatory distributions after age 70½. Learn more about our Traditional IRA

Rollover IRA

Rollover IRA

If you are looking to move funds from an old employer-sponsored retirement plan, consider an Individual Retirement Account (IRA). Our rollover specialists can help you from start to finish. Learn more about our Rollover IRA

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.

Inherited IRA

Inherited IRA

Transfer your inherited IRA or employee-sponsored retirement plan account to a Schwab Inherited IRA and get one-on-one help and guidance. All the tax advantages of an IRA plus the ability to withdraw funds according to a set schedule over your lifetime. Learn more about our Inherited IRA

Custodial IRA

Custodial IRA

If you're the parent of a child who has earned income, a Custodial IRA can help teach the value of saving and investing. Besides getting a head start on saving, your child may be able to use the funds for college expenses—or even to buy a first home. Learn more about our Custodial IRA

Personal Choice Retirement Account

A self-directed brokerage account that resides within an employer-sponsored retirement plan. In addition to the core investment choices offered by a retirement plan, PCRA lets plan participants invest in a much wider range of investments. Learn more about our Personal Choice Retirement Account

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Icon Advice

Robo & Dedicated Advice

Schwab Intelligent Portfolios®: Investing made easier.

Welcome to automated investing, where our robo—advisor can help build and manage your portfolio—so you don't have to. Get the guidance you want, when you need it—choose the level of professional support that helps you stay on track towards your goals.6

Schwab Intelligent Portfolios Premium™

Schwab Intelligent Portfolios Premium™

Automated investing with human help when you need it. Our robo-advisor builds, monitors, and automatically rebalances a diversified portfolio based on your goals. Get unlimited 1:1 guidance from a CERTIFIED FINANCIAL PLANNER™ professional, interactive planning tools, and a personalized roadmap for reaching your goals.6

Schwab Private Client™

Schwab Private Client™

A wealth management solution where your dedicated team collaborates with you to create and adjust an individualized financial plan and portfolio strategy. You'll always stay informed and in control. $500K to start. Starts at 0.80% (Fee rates decrease at higher asset levels). Learn more about Schwab Private Client™

Schwab Advisor Network®

If you have a more complex financial situation with specialized investment management or planning needs, we can help you find a local, independent investment advisor who provides the expertise and ongoing, highly personalized wealth management you require. $500K to start. Fees vary by financial advisor. No charge for referral. Learn more about Schwab Advisor Network®

Managed Accounts

A range of strategies designed to help you meet specific goals within your overall portfolio, such as generating income, managing volatility, or outsourcing management of an asset category like fixed income or emerging markets. In certain situations, some strategies may serve as a full portfolio solution. $25k to start, fees vary by strategy. Learn more about Managed Accounts

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Icon Savings

Checking & Savings

Schwab Bank High Yield Investor Checking® Account7

Linked to a Schwab One brokerage account, this is an unlimited ATM fee rebate8 checking account from Schwab Bank that allows you to easily fund your investments and manage day-to-day cash. FDIC insurance up to $250,000.9 

Learn more about a High Yield Investor Checking account

Schwab Bank High Yield Investor Savings® Account

Schwab Bank High Yield Investor Savings® Account

Savings account from Schwab Bank with a competitive variable interest rate and FDIC-insured savings. You get a variable annual percentage yield, with no account minimums and no monthly service fees. Access funds with your Schwab Bank Visa® Platinum Debit Card and enjoy unlimited ATM fee rebates.8

Learn more about Schwab Bank High Yield Investor Savings® account

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Education Icon

Education & Custodial

529 College Savings Plan

Establish a tax-advantaged education fund with high contribution limits for your child, yourself, or someone else. Open and contribute to almost any 529 plan, no matter what state you live in, regardless of age or income.10 Learn more about a 529 Savings Plan

Education Savings Account

A tax-deferred account to pay for educational expenses from kindergarten through college. Can be a good supplement to a 529 college savings account. Learn more about Education Savings Account

Custodial Account

A brokerage account that allows you to make a financial gift to a minor and that may be used for education or other purposes. Learn more about our Custodial Account


Small Business Icon

Small Business Retirement

Individual 401(k) Plan

Retirement plan for owner-only businesses with no employees. Works like a 401(k). Has high contribution limits and is easy to administer. Learn more about the Individual 401(k) Plan

SEP-IRA

Retirement plan for owner-only businesses or those with just a few employees. There's little administration, tax filing isn't required, and you can vary contributions from year to year—or even skip a year. Learn more about SEP-IRA

SIMPLE IRA

Retirement plan for businesses with up to 100 employees. Primarily funded with employee salary-deferral contributions. Employer-matched contributions up to 3%. An easy and economical plan to administer. Learn more about SIMPLE IRA

Personal Defined Benefit Plan

Retirement plan for owner-only businesses or those with up to five employees. Allows very high contributions, which are generally 100% tax-deductible. Learn more about our Personal Defined Benefit Plan

Business 401(k) Plan

Retirement plan for businesses of any size. Permits a higher level of salary deferrals by employees than other plans. Optional annual employer contributions. Learn more about our Business 401(k) Plan

Company Retirement Account

A brokerage account that holds the assets of a customized retirement plan that you have established elsewhere. An investment-only solution with access to Schwab's full range of investment options. Learn more about our Company Retirement Account

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Credit Cards Icon

Credit Cards

Charles Schwab Investor Card® from American Express

Earn 1.5% cash back on all eligible purchases made with your Card deposited into your eligible Schwab account. No Annual Fee.¤

Learn more about the Charles Schwab Investor Card® from American Express

     ¤Rates & Fees     ‡Benefit Terms

 

American Express Platinum Card® for Schwab

Earn 60,000 Membership Rewards® points after spending $5,000 in purchases on your Card in your first 3 months of Card Membership — You can use 60,000 points for a $750 deposit from Schwab into your eligible Schwab account. Annual Fee: $550¤

Learn more about the American Express Platinum Card® for Schwab

     ¤ Rates & Fees     ‡ Benefit Terms     † Offer Terms

The Cards under this program are issued by American Express National Bank and not Charles Schwab & Co., Inc. ("Schwab"). Schwab is the broker dealer subsidiary of The Charles Schwab Corporation. Brokerage products, including the Schwab One® brokerage account, are offered by Schwab, Member SIPC.

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Lending Icon

Lending¹¹

Mortgage

Quicken Loans® will help you find a home loan that makes sense for you, whether you're purchasing a home for the first time, moving to a larger space, or buying a vacation home or investment property. Learn more about mortgages

Refinance

Quicken Loans®, Schwab Bank's home lending program provider, can help you get competitive mortgage rates, more mortgage options, and a quick closing. Learn more about refinancing

Home Equity Line of Credit (HELOC)

Looking to use the home equity you've built in your home? Quicken Loans®, Schwab Bank's home equity lending program provider, can help you get a competitive HELOC with no prepayment penalties or balance requirements and a quick closing. Learn more about HELOC

Pledged Asset Line (PAL)

From Schwab Bank, a securities-based, flexible borrowing solution that can help you leverage the value of your investments through a non-purpose, revolving line of credit.

Pledged asset lending involves a high degree of risk. If the value of your collateral declines, you may need to deposit more cash or securities to avoid a default. In addition, your pledged securities could be sold without your consent, which could result in tax consequences. Learn more about PAL

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Trust & Estate

Schwab One® Trust Account

For estates of any size, this brokerage account helps you prepare the way for easier management and protection of assets after your passing. Learn more about our Trust Account

Schwab One® Estate Account

Schwab One® Estate Account

For executors or court-appointed administrators of estates, this account helps you manage and distribute an estate's assets, including consolidating assets and accessing cash to pay taxes or cover expenses. Plus you get all the benefits of a Schwab One® Brokerage Account. Learn more about Schwab One® Estate Account

Schwab Personal Trust Services

Charles Schwab Trust Company (CSTC) offers clients the ability to act in the role of trustee for their families and designate CSTC to serve as a fiduciary.12 Learn more about Schwab Personal Trust Services

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Charitable Giving

Schwab Charitable™

A simple, tax-efficient solution for your charitable giving. You will be eligible for a same-year tax deduction, if you itemize, for contributions to your account13, and Schwab Charitable14 handles all of the recordkeeping and tax reporting for you. Learn more about a Schwab Charitable™ Account


Annuities Icon

Annuities

Variable Annuities

Unlimited tax-deferred growth potential. The optional living benefit rider delivers a paycheck for life (additional cost), and the optional death benefit (additional cost) can help pass on money to heirs.15 Learn more about Schwab Variable Annuities

Fixed Indexed Annuities

Principal protection with the potential for limited tax-deferred growth. The optional living benefit rider delivers a 'paycheck for life' (additional cost). Learn more about Fixed Indexed Annuities

Single Premium Immediate Annuities

Single Premium Immediate Annuities deliver a 'paycheck for life'. As the contracts are irrevocable, the income amounts are generally higher than those provided by income options available with variable and/or fixed indexed annuities. Learn more about Single Premium Immediate Annuities

Deferred Income Annuities

Deferred Income Annuities can deliver a 'paycheck for life', starting at a future date of your choosing. As income payments do not start immediately, the guaranteed* income amounts tend to be the highest with this product. Learn more about Deferred Income Annuities

Fixed Deferred Annuities

Principal protection with a guaranteed* rate of return (free from market volatility). In exchange for limited liquidity, Fixed Deferred Annuities tend to pay attractive rates compared to other alternatives. Learn more about Fixed Deferred Annuities

*All guarantees depend on the claims-paying ability and financial strength of the issuing insurance companies, not Schwab.

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Insurance Icon

Insurance

Life Insurance

Schwab makes available several types of life insurance to provide your family with financial resources in the event that you can no longer do so. Our insurance program provides guidance in choosing the right type of insurance coverage and offers products from some of the most respected insurance carriers in the country. Learn more about life insurance

Disability Insurance

This type of coverage helps provide income replacement if you're unable to work due to a disabling illness or injury. Learn more about disability insurance

Long-Term Care Insurance

Protection against the costs of long-term care and the potential financial impact on you and your family. Learn more about long-term care insurance

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