No fee to use a Schwab Bank ATM. Unlimited ATM fee rebates worldwide
When you open your High Yield Investor Checking account, you’ll be opening a brokerage account at the same time and receiving a separate account number for each. You can view both accounts online with a single login, pay no monthly or low-balance fees, and easily transfer funds between accounts for free
Domestic wires only (Schwab Bank does not send wires to countries outside the U.S. and its territories)
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Product: Charles Schwab Bank Checking
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formykids415 @formykids415
I opened an account and made several deposits and they suspended my account. I verified myself multiple times and they eventually closed my account. I've been calling asking when will I receive a check for my money that was in the account and im still getting the run around. They stole my money from me with no explanation. This is a bank of crooks.
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Product: Charles Schwab Bank Checking
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jerredand @jerredand
Schwab bank uses a third party company to administer their bank bill pay. This company lacks any of the normal bank security and integrity, I would warn all Schwab banking customers, until you might have a issue using Schwab's bill you will not know how sleazy this third party bill pay administers issues that a real bank services will give you. Schwab's bank bill pay is a sleazy company and they could freeze your assets at their discretion. WARNING SCHWAB'S BILL PAY IS UNRELIABLE WITH CUSTOMER SUPPORT.
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Product: Charles Schwab Bank Checking
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hannahegardner @hannahegardner
Would give 0 stars if possible. I opened a high yield investor checking account in August and called countless times about hold ups in approving my application and getting the debit card. NO ONE contacted me when there was a hold because they were unable to validate my address. I had to reach out and get it done. Fine. Then three months later after multiple requests for them to send a debit card to me I still didn’t have it. They assured me it was delivered to my address. I gave up and closed the account. What else can I do? They were zero help and basically told me well we did everything we could. So I said “same!” And closed my account. Thankfully I never deposited to the account because their track record shows I may have never gotten it back!
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Product: Charles Schwab Bank Checking
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kc7zpy @kc7zpy
Wasted our time.
We heard this account was good for those living or traveling internationally because the fees were low. So we went thru all the steps two setup an account, spent the time verifying external accounts, got the cards at my US address and after all that and it would not work. So we called them and they said. Oh since you were from a Mexico IP address you have to come to the USA and show us your ID at a local branch.
Obviously, I’m not driving thousands of miles so they satisfy some arbitrary policy that they never bothered to tell us about. There are many ways they could verify this. Just wanted to warn others. They completely wasted our time.
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Product: Charles Schwab Bank Checking
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Matt S @mskas
No ATM fees and easy to transfer money. I lost my debit card called on the 1st of month and still have not received a new on one the 12th. When I called today (12th) they said they can expedite it for $15.00 and I will have by the 14th. This is just too long to wait to get a card, and why should I have to pay to ship it when it has taken them 11 days snail mail. May have to go elsewhere
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Product: Charles Schwab Bank Checking
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bilguun_u @bilguun_u
Horrible bank. Originally opened a checking account with them to avoid ATM fees and foreign transaction fees because I am a frequent traveller. However, every time I've tried to use the card, there have been issues that have prevented it. Everything takes days or even weeks to process. Usually takes 10 days to deposit a check. Expect to have to send in physical mail forms and handwritten letters for most things you want to do. Worst of all, they randomly suspended my account. When I called in to regain access, they said my birth date as well as all my other personal information was wrong. I was told to go into a branch to fix this. When I went to the branch, I was told to send a notarized letter to fix it. That sealed the deal for me and I will no longer be banking with Schwab.
I switched over to Charles Schwab before traveling abroad because their debit card for the checking account has no ATM fees anywhere (they refund ANY ATM fees you pay EVERY) and no transaction fees. They were incredibly helpful in helping me set up the account as well as resolving any issue that came up (setting up travel alerts, making deposits, transferring funds electronically, etc). Customer service was definitely exceptional and I would recommend to anyone.
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Product: Charles Schwab Bank Checking
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Christopher @callison15
I've had Charles Schwab Bank checking for almost a year now, and it has been by far my favorite checking account. I used to have a regional bank and was constantly looking for an ATM, but the Charles Schwab checking allows you to use any ATM and they refund all ATM fees, even international. I got the account so I could go abroad and use the ATMs there. I recently went to France and didn't have any problem withdrawing Euros from the ATMs there. Shortly after, all of my ATM fees were credited back to my account. This is the most important feature for me, and it works great. I haven't had any problems with the account, so haven't needed much problem resolution. But the customer service has been great and the account has all the bells and whistles you could ever ask for. All in all, been a great decision and I hope to be with them for years.
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Product: Charles Schwab Bank Checking
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Dave B @daveb
I've been with Schwab for roughly 5 years now, and have been extremely impressed. In that time I don’t think I have been charged a fee the entire time. I am able to use any ATM anywhere and not be charged any fees. I get free online bill pay, I get free checks, reimbursement of all ATM fees charged by the machine, and, no currency conversion fees (at least where I have traveled too internationally). I have called customers service a handful of times and always been very happy with the level of service provided.
You should be able to open a checking account since you have good credit rating, but for more information, please refer to the bank's customer service at: 800-540-6718.
If you use Schwab Bank Bill Pay, you can pay your bills with no fees. For all your other online transactions, please refer to customer service at 800-540-6718.
When using your debit card to withdraw foreign currency from an ATM or to pay for a purchase with foreign currency, the bank will charge your account only for the U.S. dollar equivalent of the transaction. There is no additional percentage added for the foreign currency transaction.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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