RateHerald

APY

0.01%

As of Nov 8, 2026. Rates are variable.

Charles Schwab Bank, SSB · Checking account

Charles Schwab Investor Checking

$0 a year for an everyday customer. No monthly fee.

Checked Nov 8, 2026Updated

A year, everyday customer
$0
APY
Monthly fee
To open
Not stated

Against the market

How it ranks

#66of 1043 checking accounts, by a year’s value for an everyday customer

All 1043 checking accounts, ranked

Features

  • ATM fee rebates
  • Bill pay
  • Card lock
  • Check writing
  • Contactless card
  • Debit card
  • Free checks
  • Free external transfers
  • Interest bearing
  • Joint accounts
  • Mobile check deposit
  • Mobile wallet
  • No foreign transaction fee
  • No minimum balance
  • No overdraft fees
  • Online opening
  • Overdraft protection transfer
  • Spending alerts
  • Support 24/7
  • Zelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Fees

Monthly fee
Nonedisclosures.schwab.com, checked Nov 8, 2026
Overdraft fee
Nonedisclosures.schwab.com, checked Nov 8, 2026
Returned item (NSF) fee
Nonedisclosures.schwab.com, checked Nov 8, 2026
Out-of-network ATM fee
Nonedisclosures.schwab.com, checked Nov 8, 2026
International ATM fee
Nonedisclosures.schwab.com, checked Nov 8, 2026
Foreign transaction fee (debit card)
Nonedisclosures.schwab.com, checked Nov 8, 2026
Incoming domestic wire
Nonedisclosures.schwab.com, checked Nov 8, 2026
Outgoing domestic wire
$25disclosures.schwab.com, checked Nov 8, 2026
Stop payment
Nonedisclosures.schwab.com, checked Nov 8, 2026
Card replacement
Nonedisclosures.schwab.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money

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