Skip to main navigation Skip to content
Trust Company
  • Learn
Open an AccountLog In
FDIC
FDIC-Insured - Backed by the full faith and credit of the U.S. Government.
  • Find a Branch
  • Accounts
    • Brokerage and Trading
    • Retirement Accounts (IRAs)
    • Education and Custodial
    • Personal Choice Retirement
    • Small Business
    • Accounts by Financial Goal
    • Open an Account
  • Trading
    • Schwab Trading®
    • thinkorswim® Trading Platforms
    • Platforms Overview
    • Education
    • Support
    • Order Execution
    • Research
  • Investment Products
    • Mutual Funds
    • ETFs
    • Stocks
    • Options
    • Futures
    • Bonds, CDs & Fixed Income
    • Money Market Funds
    • Cash Solutions & Rates
    • Annuities
    • Cryptocurrency
    • More Investment Products
  • Banking & Borrowing
    • Bank Offerings
    • Checking
    • Savings
    • Home Loans & Rates
    • Pledged Asset Line
    • Credit Cards
  • Featured Offerings
    • Schwab Investing Themes™
    • Schwab Starter Kit™
    • Schwab Personalized Indexing™
    • Generating Retirement Income
    • Tax-Efficient Investing
    • Schwab Personal Trust Services
    • Alternative Investments
    • Fractional Shares
  • Advice Solutions
    • Schwab Wealth Advisory™
    • Automated Investing
    • More Advice Solutions
  • Financial Planning
    • Financial Planning Offering
    • How Much You Need to Retire
    • Planning Calculators
    • Complimentary Plan
  • Pricing
    • Commissions and Fees
    • Understanding Investment Fees
    • Low-Cost Investments
  • Transferring Accounts
    • Costs and Considerations
  • Other Details
    • Client Relationship Summaries

$0 online equity trade commissions + Satisfaction Guarantee.

See our pricing

  • The Schwab Difference
    • Why Choose Schwab
    • Our Education
    • Our Satisfaction Guarantee
    • Our Security Knowledge Center
    • Our Experts
    • Our Account Protections
  • Ways to Invest with Us
    • Overview
    • Self-Directed Investing
    • Active Trading
    • Automated Investing
    • Wealth and Investment Management Solutions
  • How We Compare
    • Compare Us to Our Competitors
    • See Our #1 Rankings

More choices. More ways to invest how you want.

Explore ways to invest

Education savings account agreement and disclosures for individual investors

Important disclosures

  • Privacy Policy
  • Schwab's Business Continuity and Contingency Planning
  • Charles Schwab Pricing Guide for Individual Investors
  • Cash Features Disclosure Statement
  • How We Compensate Our Investment Professionals

Account agreements

  • Schwab IRA and ESA Account Agreement
  • ESA Plan Document
  • Amendments to the Schwab Account Agreements
(0805-7035)
Investment and Insurance Products Are: Not FDIC Insured • Not Insured by Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or any of its Affiliates • Subject to Investment Risks, Including Possible Loss of Principal Amount Invested

The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (member SIPC), and its affiliates offer investment services and products. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender) provides deposit and lending services and products. Its banking subsidiary, Charles Schwab Premier Bank, SSB (member FDIC) provides cryptocurrency services and products.

This site is designed for U.S. residents. Non-U.S. residents are subject to country-specific restrictions. Learn more about our services for non-U.S. residents, Charles Schwab Hong Kong clients, Charles Schwab U.K. clients.

© 2026 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. Unauthorized access is prohibited. Usage will be monitored.

Visit Schwab on YouTube Visit Schwab on X formerly Twitter Visit Schwab on Facebook Visit Schwab on LinkedIn
Own your tomorrow logo
  • Accounts
    • Brokerage
    • 401(k) Rollover
    • Individual Retirement Accounts (IRAs)
    • Schwab Bank Checking
    • Small Business Retirement
    • See More Accounts
  • Investment Products
    • Stocks
    • Mutual Funds
    • Exchange Traded Funds (ETFs)
    • Annuities
    • Bonds
    • See More Investment Products
  • Trading
    • Trading Platforms
    • Execution Quality
    • Options
    • Futures
  • Research & Tools
    • Retirement Calculator
    • Roth vs. Traditional IRA Calculator
    • Research Tools
    • Mobile Apps
  • Learn
    • Insights & Education
    • Trading
    • Market Commentary
    • Planning & Retirement
    • Podcasts
    • Schwab Network
  • About Schwab
    • Why Schwab
    • Compare Us
    • Satisfaction Guarantee
    • Forms & Applications
    • Pricing
    • Notify us of a Death
  • SchwabSafe
  • Privacy
  • Additional Schwab Sites
  • Site Map
  • Business Continuity
  • Financial Statement
  • Accessibility Help
  • Contact Us
  • About Schwab
  • Careers
  • Investment Professionals' Compensation
  • Important Notices
  • Account Protection
  • SIPC®
  • FDIC Insurance
  • FINRA's Broker Check
  • Bank Client Complaints
  • Client Relationship Summaries

(0726-3HXA, 0926-38AH)