Who's opening this account?

Tell us a little about yourself.

Personal information

Prefix (Optional)

First name

Middle name(Optional)

Last name

Suffix(Optional)

Date of birth (mm/dd/yyyy)

Social Security number

Federal law requires Charles Schwab Bank, SSB to collect this information from every applicant in order to comply with IRS regulations and the USA PATRIOT Act.

Contact information

By providing your email address, you consent to receive Schwab account-related and marketing communications. You may receive emails before your Schwab account is opened. You can opt out of receiving certain emails after your account is approved.

Email

Mobile phone number

To learn how your personal information may be used and how you may limit certain use, read Schwab's Privacy Notice.

Create your login

Create a strong password to protect your Schwab Bank account.

Password

At least 8 characters
At least one uppercase letter (A–Z)
At least one lowercase letter (a–z)
At least one number (0–9)
At least one special character (e.g., ! @ # $ %)

Confirm password

Where do you live?

Enter your current home address. It’s the address where you live most of the year.
Your current home address can’t be a PO Box or an international address.

Home address

Street addressNo PO Box, C/O, or General Delivery

Street address 2Apt, Ste, Bldg (Optional)

CityMilitary uses APO, DPO, or FPO

State/Territory

ZIP Code

Citizenship

Country of citizenship

Mailing address

Is your mailing address the same as your current home address?

Yes No

We ask everyone these questions

Federal law requires Charles Schwab Bank, SSB to collect this information. Let us know if any of these situations apply to you.

Are you, or is an immediate family member or close associate of yours, a current or former senior political figure of a U.S. or foreign government, military, or judicial body?

Yes No

Are you a member of the board of directors, a 10% shareholder, or a policy-making officer of a publicly held company?

Yes No

Choose account services

Select the optional services that best suit how you’ll use your Schwab Bank account.

Paperless documents

Receive monthly statements, tax forms, and other account documents electronically instead of by mail.

Enroll in paperless delivery for your account?

Yes No

Schwab Bank Bill Pay

Pay bills online, view and print check images, and transfer money between your Schwab Bank deposit accounts.

Enroll in Schwab Bank Bill Pay?

Enroll Decline

Overdraft Protection

Link your account to another eligible Schwab Bank deposit account to help cover transactions if your balance is insufficient.

Enable Overdraft Protection?

Yes No

Review your information

Please verify that all information is correct before continuing.

Agree to our terms and conditions

We can start to review your application after you agree to our terms and conditions.

Agreement for the use of Electronic Records and Signatures

By checking the checkbox, you:

Acknowledge that you will be providing electronic signatures as part of this account opening process to apply for and open an account offered by Charles Schwab Bank, SSB ("Schwab Bank"), and that copies of your records relating to Schwab Bank (such as agreements and disclosures) will be available on our website. See the Electronic Service Agreement — Schwab Bank.
Verify that you are able to open, view, and save or print the pertinent agreements and disclosures related to your account.

By checking this checkbox, I acknowledge and agree to the preceding statements regarding the use of electronic records and signatures.

Enrollment in Paperless Delivery of Documents

By checking the checkbox, you:

Acknowledge that you have reviewed the Important Information About Your Informed Consent to Receive Paperless Documents and understand its terms and conditions.
Acknowledge that all references to "Charles Schwab Bank" "Schwab Bank" or "Bank" in the Informed Consent, the application, and any related documentation shall be deemed to refer to "Charles Schwab Bank, SSB".
Ask us to electronically deliver the documents you have indicated, as described in the Informed Consent. You will not receive these documents by mail.
Confirm that you are able to open, view, and save or print PDF documents and that you have provided or validated your email address. This demonstrates that you can receive the paperless documents through email, our website, and PDF.

By checking this checkbox, I acknowledge and agree to the preceding statements regarding paperless delivery.

Electronic Services Agreement

By checking the checkbox, you:

Understand and intend that the Electronic Service Agreement and Schwab Bank Online Addendum (together, the "ESA" or "Electronic Services Agreement") is a legally binding agreement and the equivalent of a signed, written contract;
Agree that you will use all Schwab and Schwab Bank Services, and our websites generally, in a manner consistent with applicable laws and regulations and in accordance with the terms and conditions of the ESA and any other applicable rules, guidelines or other conditions that govern the use of a particular Schwab or Schwab Bank Service as they may be amended by Schwab or Schwab Bank from time to time; and
Understand, accept, and have received the ESA and its terms and conditions, and acknowledge and demonstrate that you can access the Electronic Service Agreement and other records and disclosures on our website.

By checking this checkbox, I acknowledge and agree to the preceding statements regarding the ESA.

Charles Schwab Bank Account Agreement, Disclosures and Terms

Have you been notified by the IRS that you are subject to backup withholding?

NoYes

Generally, "backup" withholding is not required. "Backup" withholding applies to clients who fail to certify their withholding status, incorrectly provide their taxpayer identification number, or fail to certify they are not subject to "backup" withholding. "Backup" withholding also applies when the IRS is aware that a client has under reported their income. If you choose "Yes", Schwab is required to "backup" withhold a percentage of your taxable income from dividends, interest, and gross proceeds and send the withholding to the IRS.

By checking the checkbox, you declare the following under penalty of perjury:

The number shown on this application is my correct Taxpayer Identification Number;
I am not subject to backup withholding because (a) I am exempt from backup withholding, or (b) I have not been notified by the IRS that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding;
I am a U.S. citizen or U.S. resident alien as defined in federal tax regulations; and
I am exempt from Foreign Account Tax Compliance Act reporting.

The IRS does not require you to consent to any provision of this document other than the certification required to avoid backup withholding.

By checking this checkbox, I certify that the preceding information is true and correct.

The Schwab Bank account offers a variable interest rate and may change without notice.

Please read carefully the Schwab Bank Privacy Notice, the Schwab Bank Application Online Account Terms, the Schwab Bank Deposit Account Agreement and the Schwab Bank Deposit Account Pricing Guide. Together these documents are referred to as the "Account Agreement" and will govern Schwab Bank's account relationship with you.

By checking the checkbox, you:

Affirm that you have received and read the Schwab Bank Application Online Account Terms ("Deposit Application Agreement") and the Schwab Bank Deposit Account Agreement ("Deposit Account Agreement") and understand that each of the Deposit Application Agreement and the Deposit Account Agreement is a legally binding agreement and the equivalent of a written contract, and that your use of your Schwab Bank account will be governed by the terms of the Deposit Account Agreement and Deposit Application Agreement.
Acknowledge that all references to "Charles Schwab Bank" "Schwab Bank" or "Bank" in the Account Agreement and all related documentation shall be deemed to refer to "Charles Schwab Bank, SSB".
Acknowledge receipt of the Schwab Bank Deposit Account Pricing Guide, and indicate that you understand there are fees associated with establishing, maintaining and engaging in transactions with the account, as described in the Schwab Bank Deposit Account Pricing Guide.
Acknowledge receipt of the Schwab Bank Privacy Notice and California Privacy Notice.
Understand that by checking the checkbox and submitting this application, you will be bound by the terms of the Deposit Application Agreement and the Deposit Account Agreement in the same manner as if you had signed a paper copy of the account application with an ink pen.
Understand that Schwab Bank will initiate an inquiry with a Consumer Reporting Agency (e.g. "credit check") in order to evaluate your account application.
Understand that Schwab Bank does not use marital status when evaluating your credit.
Acknowledge that your Deposit Account Agreement with Schwab Bank contains a pre-dispute arbitration clause.
Acknowledge that Schwab Bank checks will be sent after you fund your account with at least $100; and Schwab Bank Bill Pay™ will be activated and a Visa® Platinum Debit Card will be sent upon funding of the account.

By checking this checkbox, I acknowledge and agree to the preceding statements regarding the terms of the contract and submit my binding electronic signature to the Deposit Application Agreement and the Deposit Account Agreement, which Deposit Account Agreement includes a mandatory pre-dispute arbitration clause.

By continuing, you will submit your account application and signed agreements, and we will create an electronic record of your agreements.

Let's open your Investor Savings account

What can you do with your account?

What are the costs of opening this account?

What do you need to open this account?

Who's opening this account?

Personal information

Contact information

Create your login

Where do you live?

Home address

Citizenship

Mailing address

We ask everyone these questions

Choose account services

Paperless documents

Schwab Bank Bill Pay

Overdraft Protection

Review your information

Agree to our terms and conditions

Agreements with Charles Schwab Bank, SSB

Let's open your Investor Savings account

What can you do with your account?

What are the costs of opening this account?

What do you need to open this account?

Offer or referral code

Who's opening this account?

Personal information

Contact information

Create your login

Where do you live?

Home address

Citizenship

Mailing address

We ask everyone these questions

Choose account services

Paperless documents

Schwab Bank Bill Pay

Overdraft Protection

Review your information

Agree to our terms and conditions

Agreements with Charles Schwab Bank, SSB

The use of electronic records and signatures to open my accountThe use of electronic records and signatures to open my account

Some or all of my account documents will be delivered electronicallySome or all of my account documents will be delivered electronically

Schwab Electronic Services Agreement and Schwab Bank Online AddendumSchwab Electronic Services Agreement and Schwab Bank Online Addendum

Internal Revenue Service (IRS) - taxpayer identification number and tax withholding statusInternal Revenue Service (IRS) - taxpayer identification number and tax withholding status

Agree to terms of the contract, which includes a mandatory pre-dispute arbitration clauseAgree to terms of the contract, which includes a mandatory pre-dispute arbitration clause