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Fast answers to your most common questions

Market fluctuations can lead to more questions from clients and longer wait times on the phone. To help you skip the line, below are answers to clients' frequently asked questions. Know that we're always here for you – by phone, on Schwab.com, and on our mobile app.

Top Questions

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    When are deposited funds available for trading?

    Schwab Brokerage Accounts—Generally, electronic deposits and incoming wires to your Schwab brokerage account are available for same day trading. In some instances, however, incoming deposits may not be immediately used for certain securities and are subject to a holding period of up to five business days.

    Schwab Bank Accounts—Generally, deposited cash and checks are available on the first business day after we receive your deposit. If you enrolled in our Electronic Fund Transfer (EFT) service, your Schwab Bank deposits are subject to a four-business-day hold and you may not withdraw pending funds during the holding period. For newly opened accounts, Schwab Bank may hold certain deposit types until the fifth business day after the day of the deposit. You can view a detailed explanation of new client hold times here.

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    How do I place a trade?

    Use the Trade Stocks & ETFs order entry page to submit an order to buy, sell or sell short a stock or ETF. You'll need to complete three steps: Enter the specifics of your stock order including symbol, quantity and order type, verify your order, then submit your order.

    The All-In-One Trade Ticket is designed to give you easier access to multiple asset types within the same trade ticket. See our Trade FAQs below for more information.

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    What are stock settlement violations?

    Stock settlement violations can occur when new trades are not properly covered by settled funds. Although settlement violations generally occur in cash accounts, they can also occur in margin accounts, particularly when trading non-marginable securities.

    You can read more about the main types of settlement violations and how to avoid them here.

  • How do I transfer funds?

    How do I transfer funds?

    Whether you want to move funds among your accounts at Schwab or from external accounts, our step-by-step process will walk you through it.

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    Where can I go for tax questions?

    See common tax questions below or visit our Tax Center to get information about your 1099cost basis reporting and more.

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    Has Schwab halted trading on any securities?

    Neither Charles Schwab & Co. nor TD Ameritrade halted clients from buying any stocks, or selling any stocks they own, and neither firm restricted executing any basic options strategies. However, we've raised margin requirements on certain securities. Learn more here.

Transfer of Assets FAQs

Transfer of Assets FAQs

Some transfers from originating firms are being rejected for various reasons. Below is a list of FAQs for you to review to determine next steps:

Trading and Margin FAQs

Fund availability and trading

Fund Availability and Trading

Direct Public Offerings

Direct Public Offerings

Day Trading and Trade Settlement

Day Trading and Trade Settlement

Margin calls

Margin calls

How to Trade

How to Trade

Schwab Stock Slices™

Schwab Stock Slices™

Tax FAQs

RMDs

RMDs

USAA Tax FAQs

USAA Tax FAQs

2020 Tax questions

2020 Tax Year Information

Account Maintenance FAQs

Account Transfer to Schwab

Account Transfer to Schwab

Account Maintenance

Account Maintenance

Common questions about Schwab Intelligent Portfolios®

Common questions about Schwab Intelligent Portfolios®

Asset Protection FAQs

Asset Protection

Asset Protection

Cash Solutions FAQs

Money Market Funds

Money Market Funds

IRA Contributions

IRA Contributions

COVID-19 Impacts and Other FAQs

Schwab Bank COVID-19 Mortgage Payment Relief

Schwab Bank COVID-19 Mortgage Payment Relief

COVID-19 Paycheck Protection Program (PPP)

COVID-19 Paycheck Protection Program (PPP)

Schwab Branches

Schwab Branches

Fraud

COVID-19 Fraud

Schwab's Response

Schwab's Response