Banking, Lending, and Trust Services
Streamlined services. All in one place. Designed for the way you do business.
Explore Schwab Bank's variety of solutions
By offering streamlined banking, lending and trust services that work seamlessly with how you support your clients, Schwab has more ways to help you manage your clients' money while helping them reach their goals—all while you stay focused on growing and managing your business.
Named Most Trusted Financial Companies Bank
Schwab Bank is the 2024 #1 Overall Most Trusted Financial Company according to Investor's Business Daily.
The IBD Most Trusted Bank accolade/recognition was published online by IBD on September 20, 2024, and is licensed for a 15-month timeframe. The criteria, evaluation, and ranking were determined by Investor's Business Daily in conjunction with its research partner, TechnoMetrica Market Intelligence, and were based on consumer surveys conducted May-July 2024. Schwab paid a licensing fee to York Graphic Services, LLC. for uses of the award and logos through January 4, 2026.
#1 in Customer Satisfaction for Direct Bank Checking Accounts 7 years in a row and #1 in Customer Satisfaction for Direct Bank Savings Accounts.
Charles Schwab received the highest score in the checking and savings segment of the J.D. Power 2025 U.S. Direct Banking Satisfaction Study, which measures overall satisfaction with direct branchless banks. Visit jdpower.com/awards for more details. The J.D. Power 2025 U.S. Direct Banking Satisfaction Study is independently conducted, and the participating firms do not pay to participate. Use of study results in promotional materials is subject to a license fee.
"There's a lot for investors to love about Schwab Bank."
- Charles Schwab
Already custody with Schwab?
Ready to take advantage of banking, lending, and trust services to support your clients in even more ways with Schwab?
Learn more in the Service Guide, contact your Regional Banking Manager, or call 800-986-3700.
Ready to talk with us?
Access to streamlined banking in one place with Schwab Bank is just another reason why so many RIAs consider Schwab a custodian of choice.
Get in touch with us today to learn more about all the ways we can support you.
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
Charles Schwab & Co., Inc. and Charles Schwab Bank, SSB are separate but affiliated companies and subsidiaries of The Charles Schwab Corporation. Brokerage products and services, including the Schwab One brokerage account, are offered by Charles Schwab & Co., Inc., Member SIPC. Deposit and lending products are offered by Charles Schwab Bank, SSB, Member FDIC and an Equal Housing Lender.
The Pledged Asset Line is a demand line of credit provided by either Charles Schwab Bank, SSB, or Charles Schwab Premier Bank, SSB, (each, an Affiliated Bank and together, the Affiliated Banks). As a non-purpose line of credit, proceeds may not be used to purchase securities, pay down margin loans, or be deposited into any brokerage account.
Entering into a Pledged Asset Line and pledging securities as collateral involves a high degree of risk. You are pledging securities, the value of which is affected by events outside your control. Market fluctuations may cause the value of your pledged assets to decline. In addition, the Affiliated Banks, in its sole discretion, will determine at any time the eligible collateral criteria and the loan value of collateral. The Pledged Asset Line is uncommitted and the Affiliated Banks may demand full repayment at any time for any reason or no reason. In addition, if the loan value of collateral is insufficient to satisfy the minimum credit facility size or to support the outstanding loans, the Affiliated Banks may demand immediate payment of all or any portion of the outstanding obligations, or require additional cash or securities be pledged; otherwise the Affiliated Banks may immediately sell some or all of the pledged securities without further notice to you, which may result in tax consequences.
A Pledged Asset Line requires a brokerage account ("the Pledged Account") at Charles Schwab & Co., Inc. and sufficient eligible collateral to support a minimum credit facility size of $100,000. The Affiliated Banks are not acting or registered as securities broker-dealers or investment advisors.
Pledged Asset Lines to be held individually, jointly by natural persons, or by revocable trusts are offered by Charles Schwab Bank, SSB. Pledged Asset Lines to be held by incorporated organizations, non-incorporated organizations, or irrevocable trusts (collectively "entities") are offered by Charles Schwab Premier Bank, SSB.
All loans are subject to credit and collateral approval. Before you decide to apply for a Pledged Asset Line, make sure you understand the risks.
Administrative Trustee Services are provided by Charles Schwab Trust Company of Delaware ("CSTCD"). CSTCD and Charles Schwab & Co., Inc., are separate but affiliated companies and wholly owned subsidiaries of The Charles Schwab Corporation. Schwab Advisor Services™ is a business segment of Charles Schwab & Co., Inc. serving independent investment advisors. CSTCD serves as the administrative trustee of trusts whose investments are managed by independent investment advisory firms that do business with Schwab Advisor Services and are selected solely by the trust's grantor or beneficiaries to provide investment advisory services for the trust. These advisory firms are not owned by, affiliated with or supervised by The Charles Schwab Corporation, CSTCD, Charles Schwab & Co., or any of their affiliates or subsidiaries. Schwab Advisor Services and Charles Schwab Bank provide custody, securities brokerage, and related back-office services to the trusts for which CSTCD serves as administrative trustee.
Schwab and Charles Schwab Trust Company of Delaware do not provide legal or tax advice. Advisors and their clients should consult their legal counsel and tax advisors about their particular circumstances.