Types of Accounts

Learn about all our accounts and how they can benefit you.

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Brokerage & Trading

Schwab One® Brokerage Account

Investing should be accessible to all. Get $0 online equity trades1 and a Satisfaction Guarantee.2 Find out how you can start investing in stocks, fractional shares, mutual funds, ETFs, index funds, bonds, and more. Learn more about our Brokerage Account

Brokerage Account plus Specialized Platforms and Support for Trading

Brokerage Account + Specialized Platforms and Support for Trading

Get the benefits of the Schwab One® Brokerage Account, plus powerful and intuitive trading platforms, premium trading tools, and support from dedicated specialists–all with no minimums or fees.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

To open a Global Account, download an application

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

To open an Organization Account, download a non-incorporated organization application or an incorporated organization application


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Schwab Bank Checking & Savings

Schwab Bank High Yield Investor Checking® Account5

Built for investors, this checking account offers unlimited ATM fee rebates6, no monthly service fees or account minimums, no foreign transaction fees, and is linked to a Schwab One® brokerage account. Plus, get FDIC insurance up to $250,000.Learn more about a High Yield Investor Checking account

Schwab Bank High Yield Investor Savings® Account

Schwab Bank High Yield Investor Savings® Account

Manage your finances easier with an FDIC-insured savings account that comes with a competitive variable interest rate, variable annual percentage yield, no account minimums and no monthly service fees. Access funds with your Schwab Bank Visa® Platinum Debit Card and enjoy unlimited ATM fee rebates.Learn more about a Schwab Bank High Yield Investor Savings® account

To open a Schwab Bank Savings Account, download an application or call 800-540-6718


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Retirement

Roth IRA

A Roth IRA allows contributions and potential investment gains to accumulate tax-free. Withdrawals can be taken out tax-free when they qualify and there are no mandatory withdrawals (unlike a Traditional IRA). Learn more about our Roth IRA

Traditional IRA

Traditional IRA

A traditional IRA allows you to increase your tax-deferred retirement savings if you expect to be in the same or lower tax bracket. There are no income limitations to open an account. And current year contributions may be tax-deductible. 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 a Rollover 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

To open a Custodial IRA, download an application

Personal Choice Retirement Account

This is a self-directed brokerage account that resides within an employer-sponsored retirement plan. In addition to the core investment options offered by a retirement plan, PCRA provides premium research and tools and the choice to invest in a much wider range of investments. Learn more about our Personal Choice Retirement Account


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Robo & Dedicated Advice

Schwab Intelligent Portfolios®: Investing made easier.

Welcome to automated investing. Our robo-advisor builds, monitors, and automatically rebalances a diversified portfolio based on your goals.8 Learn more about our Schwab Intelligent Portfolios®Account

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 goals and risk tolerance. Get unlimited 1:1 guidance from a CERTIFIED FINANCIAL PLANNER™ professional, interactive planning tools, and a personalized roadmap for reaching your goals.Learn more about our Schwab Intelligent Portfolios Premium™ Plan

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. $1 million 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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Education and Custodial

529 College Savings Plan

Start a tax-advantaged education fund with high contribution limits for your child or loved one. You can open and contribute to almost any 529 plan, no matter what state you live in, regardless of age or income.9 Plus, $0 minimum required to open an account. Learn more about a 529 Savings Plan

Education Savings & Custodial Accounts

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 our Education Savings Account

To open an Education Savings Account (ESA), download an application

 

Custodial Account

A brokerage account that allows you to make a financial gift to a minor and help teach them about investing. There are no contribution limits and no gift tax incurred for contributions up to $15,000 in a single year. Learn more about our Custodial Account


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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 account10, and Schwab Charitable11 handles all of the recordkeeping and tax reporting for you.  Learn more about a Schwab Charitable™ Account


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Lending¹²

Mortgage

When purchasing a new home, Schwab Bank can help you find the right home loan with exclusive discounts on select products for Schwab clients. We offer competitive rates and a fast, convenient closing process through Rocket Mortgage®, Schwab Bank's home loan provider. Learn more about mortgages

Refinance

Refinance your home loan or HELOC through Rocket Mortgage®, Schwab Bank's home loan provider. We offer many loan options with exclusive client discounts on select products. Learn more about refinancing

Home Equity Line of Credit (HELOC)

Looking to use the home equity you've built in your home? Rocket Mortgage®, Schwab Bank's home loan 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, line of credit13. Line amount starts at $100,000 with a required minimum initial advance of $70,000.

Entering into a Pledged Asset Line and pledging securities as collateral involve a high degree of risk. Before you decide to apply for a Pledged Asset Line, make sure you understand the risks. Learn more about PAL


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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

To get started, call 877-456-0777.

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

The Charles Schwab Cards from American Express

Being a Schwab investor has never been more rewarding with the Schwab Investor Card® from American Express and the American Express Platinum Card® for Schwab. Cards are available to Schwab clients who maintain an eligible Schwab account. Learn more about The Charles Schwab Cards from American Express†

†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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Annuities

Variable Annuities

Unlimited tax-deferred growth potential. The optional living benefit rider14 can provide guaranteed* income (additional cost), and the optional death benefit (additional cost) can help pass on money to heirs.  Learn more about Schwab Variable Annuities

Fixed Indexed Annuities

Principal protection with the potential for limited tax-deferred growth. The optional living benefit rider rider14 can provide a 'retirement paycheck' for life (additional cost). Learn more about Fixed Indexed Annuities

Single Premium Immediate Annuities

Single Premium Immediate Annuities allow you to use a lump sum of your assets to purchase a 'retirement 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 allow you to use a lump sum or multiple purchases to receive a 'retirement paycheck' for life, starting at a future date of your choosing. Generally, the longer you defer taking income, the greater your 'retirement paycheck' will be. 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 offer 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 company, not Schwab.


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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 Schwab One® 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 our Schwab One® Estate Account

To open a Schwab One® Estate Account, download an application

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 fiduciary15 Learn more about Schwab Personal Trust Services


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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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