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Popular investment accounts

Individual Brokerage

Invest in stocks, ETFs, options, bonds, and more with a personal account.

Joint Brokerage

Invest in stocks, ETFs, options, bonds, and more with another individual.

Roth IRA

Plan for your future with a Roth IRA.

Traditional IRA

Plan for your future with a Traditional IRA.

Rollover IRA

Roll over your prior retirement plan from a former employer.

Brokerage & Trading
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Brokerage & Trading

Schwab One^® Brokerage Account¹

Get $0 online equity trades and invest in stocks, fractional shares, mutual funds, ETFs, index funds, bonds and more.

Schwab One^® Brokerage and a Schwab Bank Investor Checking™ Account²

Open a brokerage account and a checking account. Get the features of both and move money quickly between accounts.

Schwab One^® Brokerage Account and a Schwab Futures Account

Open a brokerage account and apply for a futures trading account. With approval, trade over 100 types of futures contracts nearly 24/5.

Schwab Teen Investor™ account³

For parents opening a brokerage account with their teen.

Global Account

For U.S. investors who want to trade in foreign markets in local currencies.

If approved your Schwab Bank Investor Checking and Investor Savings accounts are offered by 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.

Retirement

Roth IRA

Prepare for retirement using after-tax dollars.

Traditional IRA

Prepare for retirement with a tax-deferred account.

Rollover IRA

Move funds to Schwab from your old employer-sponsored retirement plan.

Inherited IRA

Transfer your inherited IRA to a Schwab Inherited IRA.

Custodial IRA

Help your child learn the value of saving and investing.

Automated Investing

Schwab Intelligent Portfolios^®

Our robo-advisor builds, monitors and automatically rebalances a diversified portfolio.

Crypto

Schwab Crypto™ Account

Trade cryptocurrencies with a crypto account linked to your Schwab brokerage account.

Cryptocurrencies offered by Charles Schwab Premier Bank, SSB, are not securities, are not protected by SIPC, are not insured by FDIC, are not deposits, and may lose value.

Education & Custodial

529 College Savings Plan

Tax-advantaged education fund for your child or loved one.

Education Savings Account

Tax-deferred account for educational expenses kindergarten through college.

Custodial Account

Brokerage account for making financial gifts to a minor.

Trust & Estate

Schwab One^® Trust Account

Brokerage account for trusts, for easier asset management and protection.

Schwab One^® Estate Account

For executors or court-appointed administrators of estates.

Charles Schwab & Co., Inc. is not an FDIC-insured bank and deposit insurance covers the failure of an insured bank. Charles Schwab & Co., Inc. is a brokerage firm and a member of SIPC, which provides protection for brokerage account assets. Non-deposit products are not insured by the FDIC; are not deposits; and may lose value.

Banking

Schwab Bank Investor Checking™ Account²

A checking account for investors, linked to your Schwab One brokerage account.

Schwab Bank Investor Savings™ Account⁴

Manage your finances easier with an FDIC-insured savings account.

If approved your Schwab Bank Investor Checking and Investor Savings accounts are offered by 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.

All Other

DAFgiving360™

Simple, tax-efficient solution for charitable giving.

Organization Account

Enjoy wealth management with choice, value, advice and transparency.

SIMPLE IRA

Retirement plan for businesses with up to 100 employees.

Personal Defined Benefit Plan

Retirement plan for owner-only businesses or those with up to five employees.

Business 401(k) Plan

Retirement plan for businesses of any size. Permits higher level of salary deferrals.

Company Retirement Account

Brokerage account that holds assets of a customized retirement plan.

Individual 401(k) Plan - Traditional & Roth

Retirement plan for owner-only businesses with no employees.

SEP-IRA

Retirement plan for owner-only businesses or those with just a few employees.

Personal Choice Retirement Account

Brokerage account connected to your employer-sponsored retirement plan.

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Open a futures account

Choose a type of brokerage + futures account to open.

Individual Brokerage + Futures Account

Open a brokerage account and apply for a futures account with Charles Schwab Futures and Forex at the end of the account opening process.

Already a client? Log in to get started.

Already have a brokerage account? Log in to add & apply for futures and futures options trading.

open a crypto account

Choose a type of brokerage account to open first, then you'll need to come back to open a crypto account.

Individual brokerage

Joint brokerage

Sharing your account? Choose this joint brokerage account option.

Already a client? Log in to get started.

1. Standard online $0 commission does not apply to over-the-counter (OTC) equities, transaction-fee mutual funds, futures, fixed-income investments, or trades placed directly on a foreign exchange or in the Canadian market. Options trades will be subject to the standard $0.65 per-contract fee. Service charges apply for trades placed through a broker ($25) or by automated phone ($5). Industry fees, ADR fees, and Stock Borrow fees still apply. See the Charles Schwab Pricing Guide for Individual Investors for full fee and commission schedules.

2. 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. To learn more about other Schwab Bank checking accounts, please contact Schwab Bank at 888-403-9000.

3. For important information on the Schwab Teen Investor™ account, including restrictions and limitations, go to schwab.com/teen-account.

4. Funds deposited at Charles Schwab Bank, SSB, are insured, in aggregate, up to $250,000, based on account ownership type, by the Federal Deposit Insurance Corporation (FDIC).

Equity and index Options carry a high level of risk and are not suitable for all investors. Certain requirements must be met to trade options through Schwab. Please read the Options Disclosure Document titled "Characteristics and Risks of Standardized Options" before considering any option transaction. Call Schwab at 800-435-4000 for a current copy. Supporting documentation for any claims or statistical information is available upon request.

Futures and futures options trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement for Futures and Options prior to trading futures products. Futures accounts are not protected by the Securities Investor Protection Corporation (SIPC). Read additional CFTC and NFA futures and forex public disclosures for Charles Schwab Futures and Forex LLC. Futures and futures options trading services provided by Charles Schwab Futures and Forex LLC. Trading privileges subject to review and approval. Not all clients will qualify.

Charles Schwab Futures and Forex LLC is a CFTC-registered Futures Commission Merchant and NFA Forex Dealer Member.

Charles Schwab Futures and Forex LLC (NFA Member) and Charles Schwab & Co., Inc. (Member SIPC) are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation.

Please read the Schwab Intelligent Portfolios disclosure brochure at Schwab.com/transparency/advisory for important information, pricing, and disclosures relating to the Schwab Intelligent Portfolios program.

Schwab Intelligent Portfolios is made available through Charles Schwab & Co., Inc. ("Schwab"), a dually registered investment adviser and broker-dealer. Portfolio management services are provided by Charles Schwab Investment Management, Inc. ("CSIM"). Schwab and CSIM are subsidiaries of The Charles Schwab Corporation.

There is no advisory fee or commissions charged for Schwab Intelligent Portfolios. Investors enrolled in Schwab Intelligent Portfolios do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. Schwab does not charge an advisory fee for the SIP Program in part because of the revenue Schwab Bank generates from the cash allocation (an indirect cost of the Program). The portfolios include a cash allocation to FDIC‐insured Deposit Accounts at Charles Schwab Bank, SSB ("Schwab Bank"). Schwab Bank earns income on the deposits, and earns more the larger the cash allocation. The lower the interest rate Schwab Bank pays on the cash, the lower the yield. Some cash alternatives outside of Schwab Intelligent Portfolios pay a higher yield. Schwab Intelligent Portfolios invests in Schwab ETFs. A Schwab affiliate, Charles Schwab Investment Management Inc., receives management fees on those ETFs. Schwab Intelligent Portfolios also invests in third-party ETFs. Schwab receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that Schwab and its affiliates receive are detailed in the Schwab Intelligent Portfolios disclosure brochure. Certain conditions must be satisfied for FDIC insurance coverage to apply. Charles Schwab & Co., Inc. and Charles Schwab Investment Management Inc. are not FDIC-insured banks and deposit insurance covers the failure of an insured bank.

The cash allocation in Schwab Intelligent Portfolios will be accomplished through enrollment in the Schwab Intelligent Portfolios Sweep Program (Sweep Program), a program sponsored by Charles Schwab & Co, Inc. By enrolling in Schwab Intelligent Portfolios, clients consent to having the free credit balances in their Schwab Intelligent Portfolios brokerage accounts swept to FDIC-insured Deposit Accounts at Charles Schwab Bank, SSB through the Sweep Program. Funds deposited at Charles Schwab Bank, SSB are insured, in aggregate, up to $250,000 per depositor, for each account ownership category, by the Federal Deposit Insurance Corporation (FDIC). The interest rate on cash balances in the Sweep Program is set on the first business day of each month equal to the seven-day yield (with waivers) for the Schwab Government Money Fund – Sweep Shares (symbol: SWGXX) as determined at the end of the prior month. See Current Interest Rates for more details. Charles Schwab Bank, SSB is affiliated with Charles Schwab & Co., Inc. and Charles Schwab Investment Management, Inc. Certain conditions must be satisfied for FDIC insurance coverage to apply. Charles Schwab & Co., Inc. and Charles Schwab Investment Management Inc. are not FDIC-insured banks and deposit insurance covers the failure of an insured bank.

Schwab Intelligent Portfolios is designed to monitor portfolios on a daily basis and will also automatically rebalance as needed to keep the portfolio consistent with the client's selected risk profile. Trading may not take place daily.

Before investing, carefully consider the plan's investment objectives, risks, charges, and expenses. This information and more about the plans can be found in the Schwab 529 Education Savings Plan Guide and Participation Agreement available from Charles Schwab & Co., Inc., and should be read carefully before investing.

Schwab One^® and Schwab One Trust accounts must have a $100 balance in order to receive a debit card or checks, unless linked to a Schwab Bank Investor Checking account.

A donor's ability to claim itemized deductions is subject to a variety of limitations depending on the donor's specific tax situation.

Charitable Planning Consultants are employees of DAFgiving360. DAFgiving360 is the name used for the combined programs and services of Donor Advised Charitable Giving Inc., an independent nonprofit organization which has entered into service agreements with certain subsidiaries of The Charles Schwab Corporation. DAFgiving360 is a tax-exempt public charity as described in Sections 501(c)(3), 509(a)(1), and 170(b)(1)(A)(vi) of the Internal Revenue Code.

Cryptocurrency products and the Schwab Crypto™ account are offered by Charles Schwab Premier Bank, SSB, Member FDIC.

Cryptocurrencies offered by Charles Schwab Premier Bank, SSB, are not securities; are not protected by SIPC; are not insured by the FDIC; are not deposits; and may lose value.

Investing in cryptocurrencies involves risk, including the risk of total loss of principal invested. Cryptocurrencies [such as bitcoin and ethereum] are highly volatile, are not backed or guaranteed by the bank, any central bank or government; are not deposits; are not FDIC insured; are not SIPC protected; and lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument. Additional risks apply. View our full risk disclosure here.

Schwab Crypto™ accounts (i) will be available in all U.S. states except for New York and Louisiana, and (ii) are not available in any U.S. territories or in any international jurisdictions. Accounts may be restricted or closed if you move to an unsupported jurisdiction. Not all clients will qualify.

(1026-C93P)

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.

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