
Looking for more ways to put your cash to work?
Cash is an important part of any portfolio. With competitive yields up to 5.07% on Schwab Money Funds and attractive yields on CDs, Schwab can help you find the cash solutions that best fit your financial strategy.

Savings and investment cash
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Schwab Bank Investor Savings™ accountSchwab Bank Investor Savings™ account
0.48% APY*1
Get a competitive yield regardless of your balance and keep your liquid savings growing.
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No minimum balance or monthly account service fees
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Easy transfers to your other Schwab bank and brokerage accounts2
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FDIC-insured up to $250,000 per depositor3
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Schwab Bank Visa® Platinum Debit Card with unlimited ATM fee rebates worldwide4 and no foreign transaction fees.5
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Mobile check deposit using the Schwab app6 for iPhone®, iPad®, and Android™
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Through Schwab brokerage & retirement accountsSchwab Purchased Money Funds
2.61% to 5.08% Yields†
Earn taxable or tax-exempt7 income while seeking stability of capital and liquidity.
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No transaction fees8 and an initial investment starting at $0‡
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Next-day access to funds if shares are sold by 4 p.m. Eastern time
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Generally, seeks to maintain a stable $1.00 per share net asset value (NAV)**
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Convenient access to potentially higher yields on cash
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Prime, municipal, and government money funds
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Available for retail and institutional accounts
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Through Schwab brokerage & retirement accountsCertificates of Deposit (CDs)
5.46% to 5.50% APY§9
Protect your principal and earn a fixed rate of return with CDs from Schwab CD OneSource®
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One-stop marketplace for CDs
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Fixed-term: 30 days or more
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FDIC-insured up to $250,000 per depositor per bank9
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Extended FDIC coverage10 by purchasing CDs from multiple banks
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Easy online transactions in your Schwab account or through a Fixed Income Specialist
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Everyday cash
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Through Schwab brokerage & retirement accountsUninvested cash in your Schwab brokerage and retirement accounts¹¹
0.45% APY12
Earn interest12 and use uninvested cash to purchase investments and manage daily expenses.13
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Immediate access to funds for buying most investments
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Bank Sweep deposits are eligible for FDIC insurance.14 Schwab One Interest balances are eligible for SIPC coverage.15
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Schwab One® Visa® Platinum Debit Card with unlimited ATM fee rebates worldwide4 and no foreign transaction fees5
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Online bill pay18, free standard checks, and other cash management features
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Mobile check deposit using the Schwab app6 for iPhone, iPad, and Android
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Through Schwab Bank, Member FDICSchwab Bank Investor Checking™, linked to a Schwab One® brokerage account¹⁶
0.45% APY17
Save on bank fees, earn interest, travel with confidence, and easily access cash for daily spending needs.
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No monthly service fees or account minimums
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Easy transfers to your linked Schwab One® brokerage accounts
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FDIC-insured up to $250,000 per depositor3
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Schwab Bank Visa® Platinum Debit Card with unlimited ATM fee rebates worldwide4 and no foreign transaction fees5
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Security features like transaction alerts, travel notices, and card lock/unlock
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Online and mobile bill pay18, free standard checks, and mobile wallets like Apple Pay®, Google Pay™, and Samsung Pay®19
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Mobile check deposit using the Schwab app6 for iPhone, iPad, and Android
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Questions about cash solutions?
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Questions about cash solutions?
Call 800-435-4000.