Schwab Bank Investor Checking™

Narrator: Schwab Bank Investor Checking™—the checking account built for investors.

Named highest in client satisfaction by J.D. Power for six years in a row…

On-screen text: Disclosure: Charles Schwab received the highest score in the checking segment of the J.D. Power 2019-2024 U.S. Direct Banking Satisfaction Studies, which measures overall satisfaction with direct branchless banks. Visit jdpower.com/awards for more details. The J.D. Power 2024 U.S. Direct Banking Satisfaction Study is independently conducted, and the participating firms do not pay to participate. Use of study results in promotional materials is subject to a license fee.

Narrator: With Investor Checking, you get the award-winning features of our checking account, plus cash management solutions, all designed for investors like you.

With Unlimited ATM fee rebates for cash withdrawals worldwide…

On-screen text: Disclosure: Unlimited ATM fee rebates apply to cash withdrawals using the Schwab Bank Visa^® Platinum Debit Card wherever it is accepted. ATM fee rebates do not include any fees imposed by merchants or ATM operators for POS transactions, or fees for stamp purchases, balance inquiries, non-local ATM currency withdrawal fees (referred to as dynamic currency conversion fees), or any other transaction other than an ATM cash withdrawal in local currency from your Schwab Bank account. Schwab Bank makes its best effort to identify those ATM fees eligible for rebate, based on information it receives from Visa and ATM operators. In the event that you have not received a rebate for a fee that you believe is eligible, please call a Schwab Bank Client Service Specialist for assistance at 888‐403‐9000 (or for clients of independent investment advisors, a Schwab Alliance Service team Member at 800-515-2157). Schwab Bank reserves the right to modify or discontinue the ATM surcharge rebate at any time. If you use your Card to withdraw foreign currency from an ATM, or to pay for a purchase with foreign currency, Schwab Bank charges your account for the U.S. dollar equivalent of the transaction. Depending on the specific arrangements that are in place, the exchange rate and calculation of the U.S. dollar equivalent will be done by the bank at which you conduct the transaction, the network to which the ATM belongs, or Visa. The bank or network may also charge a fee. Schwab Bank does not assess foreign transaction fees (i.e., a fee to convert US dollars to local currency) to debit card holders. See the Schwab Bank Visa Debit Card Agreement for details.

Narrator: no overdraft fees, and enhanced security features to keep your money safe.

On-screen text: Disclosure: Lock your card if it's lost or stolen, if you suspect fraud, or if you won't be using it. You can lock your card if it is activated and in good status. Locking blocks cash advances, ATM withdrawals, and purchases at point of sale, online, or over the phone. The account is still active and you can still see your balances. Note that even if your card is locked, the following transactions still continue: Recurring transactions and bill payments. Credits and reversals. We'll notify you anytime the card is locked and unlocked. For assistance in locking or unlocking the card or to file a fraud claim, contact us at 888-403-9000.

Narrator: Also, because your Investor Checking account is linked to your Schwab One^® brokerage account…

On-screen text: Disclosure: The Schwab Bank Investor Checking account is available only as a linked account with a Schwab One brokerage account. The Schwab One brokerage account has no minimum balance requirements, no minimum balance charges, no minimum trade requirements, and there is no requirement to fund this account when opened with a linked Investor Checking account. If approved, your Schwab Bank Investor Checking account will be opened with Charles Schwab Bank, SSB., Member FDIC. Your linked brokerage account will be opened with Charles Schwab & Co., Inc. (Member SIPC.) Schwab One brokerage accounts are not insured by the FDIC; are not deposits; and may lose value.

Narrator: you can manage your checking and investing in one convenient location.

On-screen text: Disclosure: Requires a wireless signal or mobile connection. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. Functionality may vary by operating system and/or device. Mobile carrier data charges may apply.

Narrator: Moving funds between your accounts is easy. Cash moved to your brokerage account is available in seconds.

On-screen text: Disclosure: In general, cash moved from your brokerage account is available in seconds; however, during weekend and after-hours, it may not be available until the next business day.

Narrator: That means you can stop waiting and start investing in stocks, bonds, money market funds, and more.

On-screen text: Disclosure: Investing involves risk, including loss of principal.

Narrator: Get more with Schwab Bank Investor Checking—the checking account built for investors.