FAQs

Get answers to your questions—from client service to investing. Don't see your question here? Check our common questions page for timely updates on trading, margin, tax and more.  

Client Service

It depends on where you live.

If you're a resident of AK, AZ, CA, CO, HI, IA, ID, KS, MT, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, or WY, or a member of Armed Forces America or Armed Forces Pacific:

For standard delivery, mail to:
Charles Schwab & Co., Inc.
P.O. Box 982600
El Paso, TX 79998-2600

For Overnight/FedEx/UPS delivery, mail to:
Charles Schwab & Co., Inc.
1945 Northwestern Drive
El Paso, TX 79912-1108

If you're a resident of AL, AR, CT, DC, DE, FL, GA, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT, WI, WV, American Samoa, Guam, Marshall Islands, Northern Mariana Islands, Puerto Rico, or the Virgin Islands, or a member of Armed Forces Europe:

For standard delivery, mail to:
Charles Schwab & Co., Inc.
P.O. Box 628291
Orlando, FL 32862-8291

For Overnight/FedEx/UPS delivery, mail to:
Charles Schwab & Co., Inc.
1958 Summit Park Blvd.
Orlando, FL 32810

Just call us at 800-435-4000 to talk to one of our investment professionals anytime, any day. Here are some other ways to contact us.

Going paperless is a simple process—here's how you do it:

  1. Log in to your account and follow this path: Service > Account Settings > Alert Preferences > Paperless Services.
  2. Check the box beside "Consent to receive paperless documents" and click Submit.
  3. Select the account(s) you'd like to make paperless.
  4. Assign the email address you’d like to use for your paperless email notification.

It's easy to find all the documents you need on our Forms and Applications page.

Go to your iPhone®, iPad®, or Android™ home screen.
For iPhone® and iPad®, swipe until you see the "app store" app and tap the icon.
For Android™, swipe until you see the "Google Play" app and tap the icon. 
Tap the "search" option and enter "Schwab Mobile". 
For iPhone® and iPad®, tap "get".
For Android™, tap "install". 
Once downloaded, you will be prompted to set up a user name and password in order to access your accounts.

Learn more and get the apps for Schwab Mobile. 

Yes. When you add your Schwab Bank Visa® Platinum Debit Card to one of these mobile wallets2, you can use an eligible Apple, Android or Samsung device to make convenient purchases at over 220,000 retailers and in many online stores. Learn more.

When we receive notification that an account holder has passed away, we take steps to protect their accounts and prepare to work with the deceased's estate. The Schwab Relationship Specialist assigned to the case then works with the inheritors and estate professionals to transfer the assets. Most transfers are completed within a few weeks but some can take several months, depending on the number and type of accounts. The first step is to notify Schwab of the death

Login Help

First time logging in? Here’s how it works:

  1. Go to Schwab.com.
  2. Click on the "Log in" link at the top of the page.
  3. Click on the "New User" link next to the Login ID form field.
  4. Follow the simple instructions to set up your Login ID and password.

Be sure to have your account number close at hand.

If you've forgotten your Login ID or password, just click on the "Forgot your password?" link or call us anytime at 800-435-4000.

Yes. Just call us at 800-435-4000 and we’ll help you take care of it.

If you have previously set up a secret question and answer for your account, you can go to "Log in" (at the top of any Schwab.com page) and select "Forgot your password?" After you correctly answer your secret question, you can reset your password online.

If you already have another Schwab account that you reach by logging in to schwab.com:

  1. Go to schwab.com
  2. Click on the "Log in" link at the top of the page and select "Schwab.com".
  3. Enter your Schwab login ID and password.
  4. After logging in, locate your Schwab 529 account on the Account Summary page. Click on the Education link to view detailed information.

If the 529 account is the only account you have at Schwab or you do not access your other account(s) by logging into schwab.com:

  1. Go to schwab.com
  2. Click on the "Log in" link at the top of the page. 
  3. Select "Schwab 529" or "Learning Quest® 529" in the drop-down list, depending on which 529 plan you participate in.
  4. Enter your User Name and Password (This is the user name and password you selected when you applied for your 529 account online, or when you enrolled the account for online access.) 

If you have other Schwab accounts and this is your first time logging in:

  1. Go to schwab.com.
  2. Click on the "Log in" link at the top of the page and select "Schwab.com".
  3. Click on the "New User" link next to the Login ID form field.
  4. After logging in, locate your Schwab 529 account on the Account Summary page. Click on the Education link to view detailed information.

If you need further assistance, call 888-903-3863 Monday – Friday, 9:30 am ET – 6:30 pm ET to speak with a Schwab 529 client service specialist.

My Account

To access your statements online, log in to Schwab.com. Then, go to schwab.com/reports, or follow this path: Accounts > History > Statements and Reports.

You can search for, view, and print documents from the past 10 years—for both brokerage and Schwab Bank accounts.

Once you find the statement(s) you're looking for, just click the link name and the document will open in PDF format (this may take a couple of minutes).

Adobe® Reader® is required to view or print forms that are available as PDF files. You can download Adobe Reader here.

You'll need to begin from within the Quicken software environment, rather than from Schwab.com.

During the setup process, you will be prompted for a Customer ID or Login ID and password—you can use the same Login ID and password you use to access Schwab.com.

You can then download your account transactions from your Schwab One® and your linked Schwab Bank High Yield Investor Checking® account to Intuit’s Quicken.

Fees vary depending on the types of accounts you have and the types of assets you have in those accounts. Please visit Pricing and Services for a complete listing of fees.

You can see images of your cleared checks—front and back—at Schwab.com for up to a year after they've cleared. Here's how:

  1. Log in and click the Accounts tab, then click the History link in the toolbar.
  2. Near the top of the screen, you'll find a drop-down menu containing your account numbers. Select your checking account number and your checking history will appear, listed as "Posted Transactions."
  3. To the right of the transaction dates, you'll see the word "Check" paired with a check number.
  4. Click on a particular check number to view it.
  5. To print, click Print in the upper right corner of the check image.

* If you need a copy of a check from your Schwab One brokerage account, please call 800-435-4000.

The routing number for all Charles Schwab Bank accounts is 121202211.

Starting in 2011, Schwab must begin reporting more comprehensive cost basis and gain/loss information to you and the IRS as a new tax law begins to phase in. Learn more about the 2011 tax reporting law.

Use Schwab Mobile to make deposits to your eligible Schwab brokerage accounts or Schwab Bank accounts by simply taking pictures of your checks. Learn more.

Moving Money or Assets

Schwab MoneyLink® is a free service that allows you to transfer funds between your Schwab brokerage account and other financial institutions at regularly scheduled intervals and/or upon request. You can sign up for MoneyLink at Schwab.com, or you can mail in an application using either the MoneyLink Enrollment form or, for IRAs, the MoneyLink section of the IRA Distribution Request form.

Transfer frequency options:

  • Transfer frequency can be set to regular intervals—weekly, monthly, a specific day each month, and many more.

Transfer limits:

  • Minimum amount: $0.01 per transaction using Client Central or $1 using Schwab.com
  • Maximum amount: $100,000 per transaction ($100,000 is the default for request transfers if no maximum amount is specified)

If you apply online, you should be able to begin using MoneyLink within two to three business days.

If you choose to mail in an application, you should be able to begin using MoneyLink within one to two weeks.

Please be aware that account eligibility and restrictions may apply.

There are three ways to request a withdrawal from your 529 account:

  • Submit a request online by logging into your account.
  • Call the Schwab 529 team at 888-903-3863.
  • Complete and submit a Withdrawal Request Form.

All withdrawals from 529 accounts are either "qualified" or "nonqualified." A qualified withdrawal meets the following four conditions:

  • The student is attending an eligible educational institution.
  • The assets are being used for qualified educational expenses, including tuition, fees, books, supplies, and equipment required for enrollment and room and board (equivalent to the cost of on-campus housing for students attending at least half-time).
  • For Kansas residents only, the 529 account must have been established at least 12 months before the distribution was made—otherwise, the state tax deduction may have to be forfeited. (There is no required time period for non-Kansas residents.)

Any distributions that do not meet the above criteria are considered nonqualified withdrawals.

Taxes and penalties:

  • All withdrawn funds must be used for qualified educational expenses at an eligible institution to avoid incurring a penalty.
  • Nonqualified withdrawals can be made at any time (with a penalty).
  • Only the account owners may request withdrawals from the account.
  • The earnings portion of a nonqualified withdrawal may be subject to federal and state income tax and a 10% federal penalty. The person ultimately receiving the funds (either the account owner or the beneficiary) will need to report the withdrawal on their personal income tax return.

More questions? Call 888-903-3863.

Please note that Schwab does not provide legal or tax advice. Please consult professionals in these fields to address your specific needs.

Simply fill out the Individual 401(k) Distribution Request Form to make the request. If you'd like to discuss your 401(k) distribution, call us anytime at 800-435-4000.

If you have at least $5,000 in cash or marginable securities in your account, you may borrow from your brokerage account. Keep in mind that the amount you can borrow on margin toward the purchase of securities is typically limited to 50% of the value of the marginable securities in your account.

Schwab calculates your actual buying power for you. To see your current buying power, log in and look for the Margin Details callout on the right side of your Account Balances page.

You can also confirm loan eligibility by calling a Schwab investment professional at 866-713-8384.

You'll need to provide your Schwab account number along with the name(s) and registration information on your Schwab account. While Schwab charges no fees for the incoming wire transfers, you should know that the sending bank may charge fees of its own.

Transferring to a Schwab account from within the U.S.

For brokerage or IRA accounts:

U.S. dollar amount
Destination Bank: Citibank N.A., New York
Bank ABA: 021000089
For Account: Charles Schwab & Co., Inc.
Account Number: 4055-3953
Bank Address: 399 Park Ave, New York, NY 10022
For Further Credit to: [You'll need your account number and the name(s) listed on your account to ensure that it is properly credited.]

Transferring to a Schwab account from outside the U.S. (in U.S. dollars) U.S. dollar amount

U.S. dollar amount
Destination Bank: Citibank N.A., New York
SWIFT ID: CITIUS33
For Account: Charles Schwab & Co., Inc.
Account Number: 4060-7595
Bank Address: 111 Wall Street, New York, NY 10005
For Further Credit to: [You'll need your account number and the name(s) listed on your account to ensure that it is properly credited.]

You can sign up for MoneyLink at Schwab.com, or you can mail in an application using either the MoneyLink Enrollment form or, for IRAs, the MoneyLink section of the IRA Distribution Form.

If you apply online, you should be able to begin using MoneyLink within two to three business days.

If you mail in an application, you should be able to begin using MoneyLink within one to two weeks.

Please be aware that account eligibility and restrictions may apply.

Investing

To get started, first you must ask yourself key questions: What is my purpose for investing? What do I plan to do with the money I earn? When will I need it? Then you need to make a plan to achieve those goals. Get help putting your plan in place, and get investing tips and information from Schwab investment professionals.

Learn more about how to invest your money.

No, there is no set investing limit to get help from Schwab. Whether you have a little or a lot, we can help you get started on the right track. To speak with a Schwab investment professional, call 800-435-4000 anytime, or find a Schwab branch near you.

While stocks may have more ups and downs than many other investments, they have historically produced higher returns than those investments over the long term. In fact, over the past 30 years stocks have, on average, performed better than bonds, gold, and even cash.* To learn more about stocks and get help planning the best mix of investments for you, visit how to Invest.
 

* Source: Zephyr StyleADVISOR.

Schwab provides the help and guidance you need to set your investing goals and plan your investments. Learn about the types of investments that will fit your needs at how to Invest.

If you're new to investing, Schwab can help you with all you need to know about How to Invest, our online guide with tips and information on planning a portfolio mix that can best meet your needs and goals. 

Another option is to use the Schwab Portfolio Analysis tool, which considers both your tolerance for risk and your expected needs over time in order to help you determine the right portfolio for you.

You can view a fund prospectus by navigating to Research and searching for the fund. Each fund summary page contains a link to the prospectus.

Charles Schwab Investment Advisory, Inc. (CSIA), an affiliate of Charles Schwab & Co., Inc., develops and makes available the Mutual Fund OneSource Select List®. This list highlights the most favorably evaluated OneSource fundswithin each Morningstar Category.

CSIA builds this list by analyzing the actively managed funds tracked by Morningstar, using quantitative and qualitative selection criteria.

Schwab Equity Ratings® is our proprietary methodology for identifying the stocks we believe will outperform or underperform the market over the next 12 months.5 This industry-leading guidance is available to all Schwab clients.

Every week, Schwab Equity Ratings will rate approximately 3,000 of the largest (by market capitalization) stocks headquartered or incorporated in the U.S. and in certain foreign nations where companies typically locate or incorporate for operational or tax reasons. That’s nearly double the number rated by most other brokerage firms—and unlike traditional brokerage firms, we rate an equal number of stocks "buys" as we do "sells." We also offer easy-to-use ratings, ranked from A to F, making it easier for you to incorporate Schwab Equity Ratings into your portfolio right away.

An ETF (exchange-traded fund) contains a portfolio of securities, such as stocks or bonds, and it trades intra-day on an exchange. It can be a low-cost way to put together a diversified portfolio.

ETFs can provide diversified exposure to a particular segment of the market, to a specific industry, or to a geographical region. Find out more about this form of investing.

Retirement Accounts

Simply fill out the 401(k) Distribution Form to make the request. If you'd rather discuss your 401(k) with a Schwab investment professional, call us at 800-724-7526.

Yes. Just give us a call at 800-724-7526, and we'll help you take care of it.

Market Data and Rates

Check out for current market data.

See the latest CD and Money Market rates.

Forms and Applications

Whether you'd like to open an account, transfer funds, or work on your taxes, the forms you need are just a click away.

Transfer Your Account to Schwab
IRA Distribution Request Form
Traditional IRA

Get more forms.

Contact Us