You are not required to accept the Dynamic Currency Conversion and the associated fee as this transaction is optional. Regardless of whether or not you accept the conversion, your withdrawal will be dispensed in the local currency, Pound Sterling in this example.ĭo I need to accept the Dynamic Currency Conversion when the option is presented? 6ĭynamic Currency Conversion (DCC) is a service offered by a merchant location or ATM that allows a cardholder - when traveling outside of the United States – to view and accept the amount of their transaction in US dollars instead of the local currency.įor example, if you are traveling in the United Kingdom and decide to withdraw cash from an ATM, the ATM may offer to perform a currency conversion from GBP (Pound Sterling) to USD (US Dollars) so that the amount of the withdrawal is presented in US dollars and your account is charged for the conversion at the rate offered. We refund ATM fees for cash withdrawals using your Schwab Bank Visa Platinum Debit Card wherever it is accepted at the end of the same month that you used your Schwab Bank Visa Platinum Debit Card. How do I receive the ATM fee rebates for my ATM withdrawals? Unlimited ATM fee rebates only apply to cash withdrawals using the Schwab Bank Visa Platinum Debit Card wherever it is accepted 2.ĪTM fee rebates do not include fees imposed by merchants or ATM operators for POS transactions, or fees for stamp purchases, balance inquiries, non-local ATM currency withdrawal fees (referred to as dynamic currency conversion fees), or any transaction other than an ATM cash withdrawal from your Schwab Bank account. Use your card to make purchases wherever Visa is accepted, and to withdraw cash from your Investor Checking account at ATMs worldwide. It is automatically mailed to the address on file upon funding your account. For your convenience, your Investor Checking account comes with a Schwab Bank Visa Platinum Debit Card. You will receive complimentary checks, deposit slips, mailing labels and pre-addressed postage-paid envelopes within 7-10 business days after funding your account with a minimum of $100.ĭoes my Investor Checking account come with a debit card? You will receive a Schwab Bank Visa ® Platinum Debit Card that can be used for purchases anywhere Visa is accepted and provides you with unlimited ATM fee rebates within 7-10 business days after funding your account. If I open a Schwab Bank Investor Checking™ account, what can I expect to receive? Yes, the funds in your Investor Checking account are insured, in aggregate, up to $250,000 based on account ownership type, by the Federal Deposit Insurance Corporation (FDIC). Is the money in my Investor Checking account FDIC-insured? Schwab Bank Investor Checking™ is a variable rate checking account, so the rate will fluctuate as the market rates change. Is this a fixed interest rate on the Investor Checking account or will it change? No, there are no minimum balance requirements for either account when you open an Investor Checking account linked to a Schwab One brokerage account. See the Charles Schwab Pricing Guide for Individual Investors and the Schwab Bank Pricing Guide for comprehensive details on fees. Other account fees, fund expenses, and brokerage commissions may apply to your Schwab One account. No, there are no monthly service fees when you open an Investor Checking account linked to a Schwab One brokerage account. Convenient payments and extra security with mobile walletsĪre there any monthly service fees for my Schwab Bank Investor Checking™ account or my linked Schwab One brokerage account?.
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Free standard checks 4 and free bill pay on and Schwab Mobile 5.Easy check deposits with Schwab Mobile Deposit™ 3.Tighter security with card lock/unlock, transaction alerts, fraud alerts and travel notifications.Unlimited ATM fee rebates, no foreign transaction fees 2.No monthly service fees or account minimums.Easy transfers from checking to/from your linked brokerage account.The Schwab Bank Investor Checking ™ account is linked to a Schwab One brokerage account.
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