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No-hassle, full-featured checking account

  • No ATM fees.Receive unlimited ATM fee reimbursements.1
  • No minimum balance.No monthly service fees.3
  • Free online bill pay and free checks.Pay bills online, and get standard checks and a Visa® Platinum Debit Card—all at no charge.
  • Competitive 0.35% APY.Earn 0.35% variable Annual Percentage Yield.2
  • FDIC-insured.Checking account is insured up to $250,000.4

When you open a Schwab Bank High Yield Investor Checking® account, it’s automatically linked to a Schwab One® brokerage account, which also has no account minimums and no monthly service charges.3

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Checking account by Schwab Bank

Schwab Mobile Deposit™

See how easy it is to make deposits. Apply for Mobile Deposit once your checking account is open.

  • Once you have Mobile Deposit, you can make deposits to your eligible Schwab brokerage accounts or Schwab Bank accounts by simply taking pictures of your checks.5
  • There’s no need to mail checks and most types of checks can be accepted by Mobile Deposit.6