<?xml version="1.0" encoding="US-ASCII"?>
<!--XBRL Document Created with Wdesk from Workiva-->
<!-- -->
<link:linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <link:roleRef roleURI="http://www.schwab.com/role/AccumulatedOtherComprehensiveIncome" xlink:href="schw-20180930.xsd#AccumulatedOtherComprehensiveIncome" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/AccumulatedOtherComprehensiveIncomeAccumulatedOtherComprehensiveIncomeBalancesDetails" xlink:href="schw-20180930.xsd#AccumulatedOtherComprehensiveIncomeAccumulatedOtherComprehensiveIncomeBalancesDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/AccumulatedOtherComprehensiveIncomeComponentsOfOtherComprehensiveIncomeLossDetails" xlink:href="schw-20180930.xsd#AccumulatedOtherComprehensiveIncomeComponentsOfOtherComprehensiveIncomeLossDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/AccumulatedOtherComprehensiveIncomeTables" xlink:href="schw-20180930.xsd#AccumulatedOtherComprehensiveIncomeTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BankDeposits" xlink:href="schw-20180930.xsd#BankDeposits" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BankDepositsDetails" xlink:href="schw-20180930.xsd#BankDepositsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BankDepositsTables" xlink:href="schw-20180930.xsd#BankDepositsTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLosses" xlink:href="schw-20180930.xsd#BankLoansAndRelatedAllowanceForLoanLosses" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesChangesInAllowanceForLoanLossesDetails" xlink:href="schw-20180930.xsd#BankLoansAndRelatedAllowanceForLoanLossesChangesInAllowanceForLoanLossesDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesCompositionOfBankLoansAndDelinquencyAnalysisByLoanSegmentDetails" xlink:href="schw-20180930.xsd#BankLoansAndRelatedAllowanceForLoanLossesCompositionOfBankLoansAndDelinquencyAnalysisByLoanSegmentDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesConvertToAmortizingLoansDetails" xlink:href="schw-20180930.xsd#BankLoansAndRelatedAllowanceForLoanLossesConvertToAmortizingLoansDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesCreditQualityIndicatorsOfBankLoanPortfolioDetails" xlink:href="schw-20180930.xsd#BankLoansAndRelatedAllowanceForLoanLossesCreditQualityIndicatorsOfBankLoanPortfolioDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesImpairedAssetsDetails" xlink:href="schw-20180930.xsd#BankLoansAndRelatedAllowanceForLoanLossesImpairedAssetsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesNarrativeDetails" xlink:href="schw-20180930.xsd#BankLoansAndRelatedAllowanceForLoanLossesNarrativeDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesTables" xlink:href="schw-20180930.xsd#BankLoansAndRelatedAllowanceForLoanLossesTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/Borrowings" xlink:href="schw-20180930.xsd#Borrowings" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BorrowingsAnnualMaturitiesOnLongTermDebtOutstandingDetails" xlink:href="schw-20180930.xsd#BorrowingsAnnualMaturitiesOnLongTermDebtOutstandingDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BorrowingsLongTermDebtIncludingUnamortizedDebtDiscountsAndPremiumsDetails" xlink:href="schw-20180930.xsd#BorrowingsLongTermDebtIncludingUnamortizedDebtDiscountsAndPremiumsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BorrowingsNarrativeDetails" xlink:href="schw-20180930.xsd#BorrowingsNarrativeDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/BorrowingsTables" xlink:href="schw-20180930.xsd#BorrowingsTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/CommitmentsAndContingencies" xlink:href="schw-20180930.xsd#CommitmentsAndContingencies" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/CommitmentsAndContingenciesCommitmentsToExtendPurchaseDetails" xlink:href="schw-20180930.xsd#CommitmentsAndContingenciesCommitmentsToExtendPurchaseDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/CommitmentsAndContingenciesDetails" xlink:href="schw-20180930.xsd#CommitmentsAndContingenciesDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/CommitmentsAndContingenciesTables" xlink:href="schw-20180930.xsd#CommitmentsAndContingenciesTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/CondensedConsolidatedBalanceSheets" xlink:href="schw-20180930.xsd#CondensedConsolidatedBalanceSheets" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/CondensedConsolidatedBalanceSheetsParenthetical" xlink:href="schw-20180930.xsd#CondensedConsolidatedBalanceSheetsParenthetical" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/CondensedConsolidatedStatementsOfCashFlows" xlink:href="schw-20180930.xsd#CondensedConsolidatedStatementsOfCashFlows" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/CondensedConsolidatedStatementsOfCashFlowsParenthetical" xlink:href="schw-20180930.xsd#CondensedConsolidatedStatementsOfCashFlowsParenthetical" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/CondensedConsolidatedStatementsOfComprehensiveIncome" xlink:href="schw-20180930.xsd#CondensedConsolidatedStatementsOfComprehensiveIncome" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/CondensedConsolidatedStatementsOfIncome" xlink:href="schw-20180930.xsd#CondensedConsolidatedStatementsOfIncome" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/CondensedConsolidatedStatementsOfStockholdersEquity" xlink:href="schw-20180930.xsd#CondensedConsolidatedStatementsOfStockholdersEquity" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/DocumentAndEntityInformation" xlink:href="schw-20180930.xsd#DocumentAndEntityInformation" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/EarningsPerCommonShare" xlink:href="schw-20180930.xsd#EarningsPerCommonShare" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/EarningsPerCommonShareDetails" xlink:href="schw-20180930.xsd#EarningsPerCommonShareDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/EarningsPerCommonShareTables" xlink:href="schw-20180930.xsd#EarningsPerCommonShareTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/FairValuesOfAssetsAndLiabilities" xlink:href="schw-20180930.xsd#FairValuesOfAssetsAndLiabilities" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/FairValuesOfAssetsAndLiabilitiesFairValueHierarchyForAssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisDetails" xlink:href="schw-20180930.xsd#FairValuesOfAssetsAndLiabilitiesFairValueHierarchyForAssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/FairValuesOfAssetsAndLiabilitiesFairValueOfOtherFinancialInstrumentsDetails" xlink:href="schw-20180930.xsd#FairValuesOfAssetsAndLiabilitiesFairValueOfOtherFinancialInstrumentsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/FairValuesOfAssetsAndLiabilitiesTables" xlink:href="schw-20180930.xsd#FairValuesOfAssetsAndLiabilitiesTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/FinancialInstrumentsSubjectToOffBalanceSheetCreditRisk" xlink:href="schw-20180930.xsd#FinancialInstrumentsSubjectToOffBalanceSheetCreditRisk" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/FinancialInstrumentsSubjectToOffBalanceSheetCreditRiskNarrativeDetails" xlink:href="schw-20180930.xsd#FinancialInstrumentsSubjectToOffBalanceSheetCreditRiskNarrativeDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/FinancialInstrumentsSubjectToOffBalanceSheetCreditRiskOffsettingAssetsAndLiabilitiesDetails" xlink:href="schw-20180930.xsd#FinancialInstrumentsSubjectToOffBalanceSheetCreditRiskOffsettingAssetsAndLiabilitiesDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/FinancialInstrumentsSubjectToOffBalanceSheetCreditRiskSummaryOfFairValueOfClientSecuritiesAvailableToUtilizeAsCollateralAndAmountsPledgedDetails" xlink:href="schw-20180930.xsd#FinancialInstrumentsSubjectToOffBalanceSheetCreditRiskSummaryOfFairValueOfClientSecuritiesAvailableToUtilizeAsCollateralAndAmountsPledgedDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/FinancialInstrumentsSubjectToOffBalanceSheetCreditRiskTables" xlink:href="schw-20180930.xsd#FinancialInstrumentsSubjectToOffBalanceSheetCreditRiskTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/IntroductionAndBasisOfPresentation" xlink:href="schw-20180930.xsd#IntroductionAndBasisOfPresentation" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/InvestmentSecurities" xlink:href="schw-20180930.xsd#InvestmentSecurities" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/InvestmentSecuritiesAmortizedCostGrossUnrealizedGainsAndLossesAndFairValueOfSecuritiesAvailableForSaleAndHeldToMaturitySecuritiesDetails" xlink:href="schw-20180930.xsd#InvestmentSecuritiesAmortizedCostGrossUnrealizedGainsAndLossesAndFairValueOfSecuritiesAvailableForSaleAndHeldToMaturitySecuritiesDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/InvestmentSecuritiesAvailableForSaleAndHeldToMaturitySecuritiesWithUnrealizedLossesAggregatedByCategoryAndPeriodOfContinuousUnrealizedLossDetails" xlink:href="schw-20180930.xsd#InvestmentSecuritiesAvailableForSaleAndHeldToMaturitySecuritiesWithUnrealizedLossesAggregatedByCategoryAndPeriodOfContinuousUnrealizedLossDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/InvestmentSecuritiesMaturitiesOfSecuritiesAvailableForSaleAndHeldToMaturityDetails" xlink:href="schw-20180930.xsd#InvestmentSecuritiesMaturitiesOfSecuritiesAvailableForSaleAndHeldToMaturityDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/InvestmentSecuritiesNarrativeDetails" xlink:href="schw-20180930.xsd#InvestmentSecuritiesNarrativeDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/InvestmentSecuritiesProceedsAndGrossRealizedGainsAndLossesFromSalesOfSecuritiesAvailableForSaleDetails" xlink:href="schw-20180930.xsd#InvestmentSecuritiesProceedsAndGrossRealizedGainsAndLossesFromSalesOfSecuritiesAvailableForSaleDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/InvestmentSecuritiesTables" xlink:href="schw-20180930.xsd#InvestmentSecuritiesTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/NewAccountingStandards" xlink:href="schw-20180930.xsd#NewAccountingStandards" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/NewAccountingStandardsBalanceSheetDetails" xlink:href="schw-20180930.xsd#NewAccountingStandardsBalanceSheetDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/NewAccountingStandardsDetails" xlink:href="schw-20180930.xsd#NewAccountingStandardsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/NewAccountingStandardsPolicy" xlink:href="schw-20180930.xsd#NewAccountingStandardsPolicy" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/NewAccountingStandardsReclassificationOfCertainTaxEffectsFromAccumulatedOtherComprehensiveIncomeDetails" xlink:href="schw-20180930.xsd#NewAccountingStandardsReclassificationOfCertainTaxEffectsFromAccumulatedOtherComprehensiveIncomeDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/NewAccountingStandardsStatementOfIncomeDetails" xlink:href="schw-20180930.xsd#NewAccountingStandardsStatementOfIncomeDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/NewAccountingStandardsTables" xlink:href="schw-20180930.xsd#NewAccountingStandardsTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/RegulatoryRequirements" xlink:href="schw-20180930.xsd#RegulatoryRequirements" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/RegulatoryRequirementsNarrativeDetails" xlink:href="schw-20180930.xsd#RegulatoryRequirementsNarrativeDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/RegulatoryRequirementsNetCapitalAndNetCapitalRequirementsDetails" xlink:href="schw-20180930.xsd#RegulatoryRequirementsNetCapitalAndNetCapitalRequirementsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/RegulatoryRequirementsRegulatoryCapitalAndRatiosDetails" xlink:href="schw-20180930.xsd#RegulatoryRequirementsRegulatoryCapitalAndRatiosDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/RegulatoryRequirementsTables" xlink:href="schw-20180930.xsd#RegulatoryRequirementsTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/RevenueRecognition" xlink:href="schw-20180930.xsd#RevenueRecognition" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/RevenueRecognitionCapitalizedContractCostsAndContractBalancesDetails" xlink:href="schw-20180930.xsd#RevenueRecognitionCapitalizedContractCostsAndContractBalancesDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/RevenueRecognitionDisaggregatedRevenueDetails" xlink:href="schw-20180930.xsd#RevenueRecognitionDisaggregatedRevenueDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/RevenueRecognitionTables" xlink:href="schw-20180930.xsd#RevenueRecognitionTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/SegmentInformation" xlink:href="schw-20180930.xsd#SegmentInformation" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/SegmentInformationFinancialInformationForReportableSegmentsDetails" xlink:href="schw-20180930.xsd#SegmentInformationFinancialInformationForReportableSegmentsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/SegmentInformationNarrativeDetails" xlink:href="schw-20180930.xsd#SegmentInformationNarrativeDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/SegmentInformationTables" xlink:href="schw-20180930.xsd#SegmentInformationTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/StockholdersEquity" xlink:href="schw-20180930.xsd#StockholdersEquity" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/StockholdersEquityPreferredStockIssuedAndOutstandingDetails" xlink:href="schw-20180930.xsd#StockholdersEquityPreferredStockIssuedAndOutstandingDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/StockholdersEquityTables" xlink:href="schw-20180930.xsd#StockholdersEquityTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/SubsequentEvents" xlink:href="schw-20180930.xsd#SubsequentEvents" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/SubsequentEventsDetails" xlink:href="schw-20180930.xsd#SubsequentEventsDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/TaxesOnIncome" xlink:href="schw-20180930.xsd#TaxesOnIncome" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/TaxesOnIncomeDetails" xlink:href="schw-20180930.xsd#TaxesOnIncomeDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/VariableInterestEntities" xlink:href="schw-20180930.xsd#VariableInterestEntities" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/VariableInterestEntitiesAggregateAssetsLiabilitiesAndMaximumExposureToLossDetails" xlink:href="schw-20180930.xsd#VariableInterestEntitiesAggregateAssetsLiabilitiesAndMaximumExposureToLossDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/VariableInterestEntitiesNarrativeDetails" xlink:href="schw-20180930.xsd#VariableInterestEntitiesNarrativeDetails" xlink:type="simple" />
  <link:roleRef roleURI="http://www.schwab.com/role/VariableInterestEntitiesTables" xlink:href="schw-20180930.xsd#VariableInterestEntitiesTables" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" xlink:type="simple" />
  <link:presentationLink xlink:role="http://www.schwab.com/role/AccumulatedOtherComprehensiveIncome" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityAbstract" xlink:label="loc_us-gaap_EquityAbstract_7E1E4D211EB3D7E507E754E35C4BDBDF" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:label="loc_us-gaap_ComprehensiveIncomeNoteTextBlock_85CC2D23E132770231BD54E35C4BCFC8" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_7E1E4D211EB3D7E507E754E35C4BDBDF" xlink:to="loc_us-gaap_ComprehensiveIncomeNoteTextBlock_85CC2D23E132770231BD54E35C4BCFC8" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/AccumulatedOtherComprehensiveIncomeAccumulatedOtherComprehensiveIncomeBalancesDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityAbstract" xlink:label="loc_us-gaap_EquityAbstract_D32970768D884E5FF77754E35BEBBF30" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_EEA7AEAAE9123FDE29F554E35BEB0A3E" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_D32970768D884E5FF77754E35BEBBF30" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_EEA7AEAAE9123FDE29F554E35BEB0A3E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_6DB9A6C47F7BC07C2C8954E35BEC3C07" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_EEA7AEAAE9123FDE29F554E35BEB0A3E" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_6DB9A6C47F7BC07C2C8954E35BEC3C07" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="loc_us-gaap_EquityComponentDomain_F6A81FB1D70D3D185EC654E35BEDF8D5" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_6DB9A6C47F7BC07C2C8954E35BEC3C07" xlink:to="loc_us-gaap_EquityComponentDomain_F6A81FB1D70D3D185EC654E35BEDF8D5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_8E34D23B3BB3A1812F1954E35BED795E" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_F6A81FB1D70D3D185EC654E35BEDF8D5" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_8E34D23B3BB3A1812F1954E35BED795E" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveIncomeLossReclassificationofSecuritiesTransferredtoHeldtoMaturityMember" xlink:label="loc_schw_OtherComprehensiveIncomeLossReclassificationofSecuritiesTransferredtoHeldtoMaturityMember_8D6E9D3FFF7374A337A254E35BED4B21" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_F6A81FB1D70D3D185EC654E35BEDF8D5" xlink:to="loc_schw_OtherComprehensiveIncomeLossReclassificationofSecuritiesTransferredtoHeldtoMaturityMember_8D6E9D3FFF7374A337A254E35BED4B21" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_AccumulatedOtherComprehensiveIncomeOtherReclassificationsinOtherRevenueMember" xlink:label="loc_schw_AccumulatedOtherComprehensiveIncomeOtherReclassificationsinOtherRevenueMember_593AD00A54DA3865D61C54E35BEE52A9" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_F6A81FB1D70D3D185EC654E35BEDF8D5" xlink:to="loc_schw_AccumulatedOtherComprehensiveIncomeOtherReclassificationsinOtherRevenueMember_593AD00A54DA3865D61C54E35BEE52A9" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveIncomeLossReclassificationofSecuritiesTransferredFromAvailableforSaleMember" xlink:label="loc_schw_OtherComprehensiveIncomeLossReclassificationofSecuritiesTransferredFromAvailableforSaleMember_A841C5A2EC0A858DBC0D54E35BEE63FC" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_F6A81FB1D70D3D185EC654E35BEDF8D5" xlink:to="loc_schw_OtherComprehensiveIncomeLossReclassificationofSecuritiesTransferredFromAvailableforSaleMember_A841C5A2EC0A858DBC0D54E35BEE63FC" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_AccumulatedAmortizationofHeldtoMaturitySecuritiesfromAvailableforSaleAttributabletoParentMember" xlink:label="loc_schw_AccumulatedAmortizationofHeldtoMaturitySecuritiesfromAvailableforSaleAttributabletoParentMember_4E2A2872D8AEC660024B54E35BEE276B" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_F6A81FB1D70D3D185EC654E35BEDF8D5" xlink:to="loc_schw_AccumulatedAmortizationofHeldtoMaturitySecuritiesfromAvailableforSaleAttributabletoParentMember_4E2A2872D8AEC660024B54E35BEE276B" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherAccumulatedOtherComprehensiveIncomeMember" xlink:label="loc_schw_OtherAccumulatedOtherComprehensiveIncomeMember_8EFF83C2771A0BF31DF154E35BEE9745" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_F6A81FB1D70D3D185EC654E35BEDF8D5" xlink:to="loc_schw_OtherAccumulatedOtherComprehensiveIncomeMember_8EFF83C2771A0BF31DF154E35BEE9745" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_AdoptionOfNewAccountingStandardsMember" xlink:label="loc_schw_AdoptionOfNewAccountingStandardsMember_4355F52928D9F068AEA154E35BEFF0E5" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_F6A81FB1D70D3D185EC654E35BEDF8D5" xlink:to="loc_schw_AdoptionOfNewAccountingStandardsMember_4355F52928D9F068AEA154E35BEFF0E5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:label="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_A59FE6BE9FB4A4147B4154E35BEF93FF" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_EEA7AEAAE9123FDE29F554E35BEB0A3E" xlink:to="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_A59FE6BE9FB4A4147B4154E35BEF93FF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TypeOfAdoptionMember" xlink:label="loc_us-gaap_TypeOfAdoptionMember_106E374F7E53057E354F54E35BEFCC64" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_A59FE6BE9FB4A4147B4154E35BEF93FF" xlink:to="loc_us-gaap_TypeOfAdoptionMember_106E374F7E53057E354F54E35BEFCC64" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_AccountingStandardsUpdate201802Member" xlink:label="loc_schw_AccountingStandardsUpdate201802Member_4EAE47D1864E83289E1654E35BF023AB" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfAdoptionMember_106E374F7E53057E354F54E35BEFCC64" xlink:to="loc_schw_AccountingStandardsUpdate201802Member_4EAE47D1864E83289E1654E35BF023AB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_C5346FBE3181874EFA4B54E35BF5C650" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_EEA7AEAAE9123FDE29F554E35BEB0A3E" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_C5346FBE3181874EFA4B54E35BF5C650" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AOCIAttributableToParentNetOfTaxRollForward" xlink:label="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_2729BEE64A26F30A5C1D54E35BF671DA" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_C5346FBE3181874EFA4B54E35BF5C650" xlink:to="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_2729BEE64A26F30A5C1D54E35BF671DA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_79839097D8B3405D1D9954E35BF63D11" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_2729BEE64A26F30A5C1D54E35BF671DA" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_79839097D8B3405D1D9954E35BF63D11" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_5AB9C8E4402A8787FEBD54E35BF77F7E" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_2729BEE64A26F30A5C1D54E35BF671DA" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_5AB9C8E4402A8787FEBD54E35BF77F7E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_5942C696019CC669FF5654E35BF74C41" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_2729BEE64A26F30A5C1D54E35BF671DA" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_5942C696019CC669FF5654E35BF74C41" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/AccumulatedOtherComprehensiveIncomeComponentsOfOtherComprehensiveIncomeLossDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityAbstract" xlink:label="loc_us-gaap_EquityAbstract_C72DA52AEA0076318ECC54E35C258E32" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_F204265B7D79CDC2CBB154E35C261C7C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_C72DA52AEA0076318ECC54E35C258E32" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_F204265B7D79CDC2CBB154E35C261C7C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_A9D3DDDB71DAC9CA90A554E35C26AC40" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_F204265B7D79CDC2CBB154E35C261C7C" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_A9D3DDDB71DAC9CA90A554E35C26AC40" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAvailableforsaletoHeldToMaturityBeforeTax" xlink:label="loc_schw_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAvailableforsaletoHeldToMaturityBeforeTax_C1F10ABCDFA12E6547FF54E35C26FD9D" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_F204265B7D79CDC2CBB154E35C261C7C" xlink:to="loc_schw_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAvailableforsaletoHeldToMaturityBeforeTax_C1F10ABCDFA12E6547FF54E35C26FD9D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_65639AED204B4065407754E35C275B44" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_F204265B7D79CDC2CBB154E35C261C7C" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_65639AED204B4065407754E35C275B44" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiBeforeTaxAfterAdjustmentsAttributableToParentAbstract" xlink:label="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiBeforeTaxAfterAdjustmentsAttributableToParentAbstract_392F78E51881567CABDE54E35C27B6BC" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_F204265B7D79CDC2CBB154E35C261C7C" xlink:to="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiBeforeTaxAfterAdjustmentsAttributableToParentAbstract_392F78E51881567CABDE54E35C27B6BC" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveLossHeldtomaturitySecurityReclassificationAdjustmentfromSecuritiesTransferredfromAvailableforSaleBeforeTax" xlink:label="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityReclassificationAdjustmentfromSecuritiesTransferredfromAvailableforSaleBeforeTax_724297BD1E49F27F9CE054E35C27CE36" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiBeforeTaxAfterAdjustmentsAttributableToParentAbstract_392F78E51881567CABDE54E35C27B6BC" xlink:to="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityReclassificationAdjustmentfromSecuritiesTransferredfromAvailableforSaleBeforeTax_724297BD1E49F27F9CE054E35C27CE36" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveLossHeldtomaturitySecurityTransferredFromAvailableforSaleAmortizationBeforeTax" xlink:label="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityTransferredFromAvailableforSaleAmortizationBeforeTax_536223348798269CB56054E35C2719D5" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiBeforeTaxAfterAdjustmentsAttributableToParentAbstract_392F78E51881567CABDE54E35C27B6BC" xlink:to="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityTransferredFromAvailableforSaleAmortizationBeforeTax_536223348798269CB56054E35C2719D5" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveIncomeOtherBeforeTax" xlink:label="loc_schw_OtherComprehensiveIncomeOtherBeforeTax_B5036A19CB6C9BE1DC1E54E35C277BA4" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_F204265B7D79CDC2CBB154E35C261C7C" xlink:to="loc_schw_OtherComprehensiveIncomeOtherBeforeTax_B5036A19CB6C9BE1DC1E54E35C277BA4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_DB67E88B1C305CB6D86554E35C28CC7B" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_F204265B7D79CDC2CBB154E35C261C7C" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_DB67E88B1C305CB6D86554E35C28CC7B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossTaxAbstract" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_485BCF1BEC3FF614EB1B54E35C28C370" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_C72DA52AEA0076318ECC54E35C258E32" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_485BCF1BEC3FF614EB1B54E35C28C370" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_CC63948F88639B28F5CF54E35C28D878" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_485BCF1BEC3FF614EB1B54E35C28C370" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_CC63948F88639B28F5CF54E35C28D878" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAvailableforsaletoHeldToMaturityTax" xlink:label="loc_schw_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAvailableforsaletoHeldToMaturityTax_1D7C42834D76464183E254E35C2D0071" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_485BCF1BEC3FF614EB1B54E35C28C370" xlink:to="loc_schw_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAvailableforsaletoHeldToMaturityTax_1D7C42834D76464183E254E35C2D0071" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_CC802A45D565EAAC865554E35C2E1A4D" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_485BCF1BEC3FF614EB1B54E35C28C370" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_CC802A45D565EAAC865554E35C2E1A4D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiAfterAdjustmentsTaxAttributableToParentAbstract" xlink:label="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiAfterAdjustmentsTaxAttributableToParentAbstract_EE3767C22C3A017F1AFF54E35C2E4BBE" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_485BCF1BEC3FF614EB1B54E35C28C370" xlink:to="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiAfterAdjustmentsTaxAttributableToParentAbstract_EE3767C22C3A017F1AFF54E35C2E4BBE" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveLossHeldtomaturitySecurityReclassificationAdjustmentfromSecuritiesTransferredfromAvailableforSaleTax" xlink:label="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityReclassificationAdjustmentfromSecuritiesTransferredfromAvailableforSaleTax_24B328C37851D7C8B57854E35C2E5508" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiAfterAdjustmentsTaxAttributableToParentAbstract_EE3767C22C3A017F1AFF54E35C2E4BBE" xlink:to="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityReclassificationAdjustmentfromSecuritiesTransferredfromAvailableforSaleTax_24B328C37851D7C8B57854E35C2E5508" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveLossHeldtomaturitySecurityTransferredFromAvailableforSaleAmortizationTax" xlink:label="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityTransferredFromAvailableforSaleAmortizationTax_CB19645195C5F11EDF9354E35C2F4A7B" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiAfterAdjustmentsTaxAttributableToParentAbstract_EE3767C22C3A017F1AFF54E35C2E4BBE" xlink:to="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityTransferredFromAvailableforSaleAmortizationTax_CB19645195C5F11EDF9354E35C2F4A7B" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveIncomeOtherTax" xlink:label="loc_schw_OtherComprehensiveIncomeOtherTax_BDCCD5AAC858D599F4FE54E35C2FD352" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_485BCF1BEC3FF614EB1B54E35C28C370" xlink:to="loc_schw_OtherComprehensiveIncomeOtherTax_BDCCD5AAC858D599F4FE54E35C2FD352" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTax_91BF844AFDC32CB075B454E35C2FCF5B" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" priority="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_485BCF1BEC3FF614EB1B54E35C28C370" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTax_91BF844AFDC32CB075B454E35C2FCF5B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_C6449504BE9C7A6101E554E35C30EFBB" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_C72DA52AEA0076318ECC54E35C258E32" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_C6449504BE9C7A6101E554E35C30EFBB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_AD1F43F52247ACC35F2954E35C3009DE" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_C6449504BE9C7A6101E554E35C30EFBB" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_AD1F43F52247ACC35F2954E35C3009DE" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAvailableforsaletoHeldToMaturityNetofTax" xlink:label="loc_schw_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAvailableforsaletoHeldToMaturityNetofTax_FB0C068C00768D8762EA54E35C3093AB" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_C6449504BE9C7A6101E554E35C30EFBB" xlink:to="loc_schw_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAvailableforsaletoHeldToMaturityNetofTax_FB0C068C00768D8762EA54E35C3093AB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_9F0DF182B10B6EFFFB1754E35C30A839" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_C6449504BE9C7A6101E554E35C30EFBB" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax_9F0DF182B10B6EFFFB1754E35C30A839" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiAfterTaxAndAdjustmentsAttributableToParentAbstract" xlink:label="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiAfterTaxAndAdjustmentsAttributableToParentAbstract_99C588681E1592AC401754E35C31A3F7" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_C6449504BE9C7A6101E554E35C30EFBB" xlink:to="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiAfterTaxAndAdjustmentsAttributableToParentAbstract_99C588681E1592AC401754E35C31A3F7" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveLossHeldtomaturitySecurityReclassificationAdjustmentfromSecuritiesTransferredfromAvailableforSaleNetofTax" xlink:label="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityReclassificationAdjustmentfromSecuritiesTransferredfromAvailableforSaleNetofTax_732344E8ACA89F1D656754E35C315DDD" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiAfterTaxAndAdjustmentsAttributableToParentAbstract_99C588681E1592AC401754E35C31A3F7" xlink:to="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityReclassificationAdjustmentfromSecuritiesTransferredfromAvailableforSaleNetofTax_732344E8ACA89F1D656754E35C315DDD" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveLossHeldtomaturitySecurityTransferredFromAvailableforSaleAmortizationNetofTax" xlink:label="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityTransferredFromAvailableforSaleAmortizationNetofTax_B81BC9E0ECC0EB1F95F354E35C31A525" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiAfterTaxAndAdjustmentsAttributableToParentAbstract_99C588681E1592AC401754E35C31A3F7" xlink:to="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityTransferredFromAvailableforSaleAmortizationNetofTax_B81BC9E0ECC0EB1F95F354E35C31A525" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeOtherNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeOtherNetOfTax_C4959C800CB5D663164E54E35C32CED7" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_C6449504BE9C7A6101E554E35C30EFBB" xlink:to="loc_us-gaap_OtherComprehensiveIncomeOtherNetOfTax_C4959C800CB5D663164E54E35C32CED7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_9000C6A4B10C88DCD0E054E35C322728" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_C6449504BE9C7A6101E554E35C30EFBB" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_9000C6A4B10C88DCD0E054E35C322728" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/AccumulatedOtherComprehensiveIncomeTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityAbstract" xlink:label="loc_us-gaap_EquityAbstract_67852498162318C2F0C154E35C4209F0" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock_1515999CA2862557689254E35C4398A0" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_67852498162318C2F0C154E35C4209F0" xlink:to="loc_us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock_1515999CA2862557689254E35C4398A0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_6E7A2F8E912BB2086BBF54E35C432DE3" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_67852498162318C2F0C154E35C4209F0" xlink:to="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_6E7A2F8E912BB2086BBF54E35C432DE3" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BankDeposits" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="loc_us-gaap_BankingAndThriftAbstract_1738C9A1B56C93726FD254E35E71B53B" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:label="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock_355DB11A02066ACDB1F754E35E7186B4" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_1738C9A1B56C93726FD254E35E71B53B" xlink:to="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock_355DB11A02066ACDB1F754E35E7186B4" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BankDepositsDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="loc_us-gaap_BankingAndThriftAbstract_3205C3C644457CFC428154E35E694AF5" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestBearingDepositLiabilitiesAbstract" xlink:label="loc_us-gaap_InterestBearingDepositLiabilitiesAbstract_30109DDAB87401AAB17054E35E69C590" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_3205C3C644457CFC428154E35E694AF5" xlink:to="loc_us-gaap_InterestBearingDepositLiabilitiesAbstract_30109DDAB87401AAB17054E35E69C590" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_BrokerageAccountSweepDeposits" xlink:label="loc_schw_BrokerageAccountSweepDeposits_3907E4802CFB196403B754E35E6A599F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestBearingDepositLiabilitiesAbstract_30109DDAB87401AAB17054E35E69C590" xlink:to="loc_schw_BrokerageAccountSweepDeposits_3907E4802CFB196403B754E35E6A599F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DemandDepositAccounts" xlink:label="loc_us-gaap_DemandDepositAccounts_2F01935BA1BE56A62EF054E35E6A358D" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestBearingDepositLiabilitiesAbstract_30109DDAB87401AAB17054E35E69C590" xlink:to="loc_us-gaap_DemandDepositAccounts_2F01935BA1BE56A62EF054E35E6A358D" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SavingsandOtherDeposits" xlink:label="loc_schw_SavingsandOtherDeposits_688E1714A47DB9DD9CD154E35E6A6928" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestBearingDepositLiabilitiesAbstract_30109DDAB87401AAB17054E35E69C590" xlink:to="loc_schw_SavingsandOtherDeposits_688E1714A47DB9DD9CD154E35E6A6928" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities_C9D6BC1546D658F5A29354E35E6A404D" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestBearingDepositLiabilitiesAbstract_30109DDAB87401AAB17054E35E69C590" xlink:to="loc_us-gaap_InterestBearingDepositLiabilities_C9D6BC1546D658F5A29354E35E6A404D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities_39C78370C72FFCA25DA554E35E6AC604" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_3205C3C644457CFC428154E35E694AF5" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilities_39C78370C72FFCA25DA554E35E6AC604" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Deposits" xlink:label="loc_us-gaap_Deposits_F2EF9B1BCA5FE0AF0BA254E35E6B193D" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_3205C3C644457CFC428154E35E694AF5" xlink:to="loc_us-gaap_Deposits_F2EF9B1BCA5FE0AF0BA254E35E6B193D" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BankDepositsTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="loc_us-gaap_BankingAndThriftAbstract_F9DF68B18FBDA77EBDE954E35E6E9642" xlink:type="locator" />
    <link:loc xlink:href="schw-20180930.xsd#schw_DepositsFromBankingClientsTableTextBlock" xlink:label="loc_schw_DepositsFromBankingClientsTableTextBlock_BA1621D923A9B31A905B54E35E6E6B97" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_F9DF68B18FBDA77EBDE954E35E6E9642" xlink:to="loc_schw_DepositsFromBankingClientsTableTextBlock_BA1621D923A9B31A905B54E35E6E6B97" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLosses" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_EAA7BC708029DA2CB04D54E35F6F1E0B" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:label="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_F53DF0C30D74D41BE04854E35F6FC2F7" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_EAA7BC708029DA2CB04D54E35F6F1E0B" xlink:to="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_F53DF0C30D74D41BE04854E35F6FC2F7" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesChangesInAllowanceForLoanLossesDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_C2FDFD63DA119F3329C154E35F442A87" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_C8AB096B4F441E9EAC8254E35F440DE2" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_C2FDFD63DA119F3329C154E35F442A87" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_C8AB096B4F441E9EAC8254E35F440DE2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4C0BC97790DFB9C7C65054E35F45DDD7" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_C8AB096B4F441E9EAC8254E35F440DE2" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4C0BC97790DFB9C7C65054E35F45DDD7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9017C929B3C8C93E0F5B54E35F45CBB2" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4C0BC97790DFB9C7C65054E35F45DDD7" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9017C929B3C8C93E0F5B54E35F45CBB2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FirstMortgageMember" xlink:label="loc_us-gaap_FirstMortgageMember_2CBF40D2AEE86C2C21C054E35F463DEC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9017C929B3C8C93E0F5B54E35F45CBB2" xlink:to="loc_us-gaap_FirstMortgageMember_2CBF40D2AEE86C2C21C054E35F463DEC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HomeEquityMember" xlink:label="loc_us-gaap_HomeEquityMember_7E9F9EB65110539E08B454E35F463CB6" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9017C929B3C8C93E0F5B54E35F45CBB2" xlink:to="loc_us-gaap_HomeEquityMember_7E9F9EB65110539E08B454E35F463CB6" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherLoansMember" xlink:label="loc_schw_OtherLoansMember_D5B61E55716F6797A8B454E35F46DC71" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9017C929B3C8C93E0F5B54E35F45CBB2" xlink:to="loc_schw_OtherLoansMember_D5B61E55716F6797A8B454E35F46DC71" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_AF7AADB20553DA2F5F5E54E35F4607B1" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_C8AB096B4F441E9EAC8254E35F440DE2" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_AF7AADB20553DA2F5F5E54E35F4607B1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRollForward" xlink:label="loc_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_B3B65728775268F506FA54E35F471ACB" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_AF7AADB20553DA2F5F5E54E35F4607B1" xlink:to="loc_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_B3B65728775268F506FA54E35F471ACB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="loc_us-gaap_LoansAndLeasesReceivableAllowance_BF559EA5E8D01A647C6C54E35F47451B" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_B3B65728775268F506FA54E35F471ACB" xlink:to="loc_us-gaap_LoansAndLeasesReceivableAllowance_BF559EA5E8D01A647C6C54E35F47451B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" xlink:label="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_5857EDA8C3A130250A6054E35F47DA84" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_B3B65728775268F506FA54E35F471ACB" xlink:to="loc_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_5857EDA8C3A130250A6054E35F47DA84" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ValuationAllowancesAndReservesRecoveries" xlink:label="loc_us-gaap_ValuationAllowancesAndReservesRecoveries_2D001DEC56DCE60A69A954E35F4754EA" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_B3B65728775268F506FA54E35F471ACB" xlink:to="loc_us-gaap_ValuationAllowancesAndReservesRecoveries_2D001DEC56DCE60A69A954E35F4754EA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="loc_us-gaap_ProvisionForLoanAndLeaseLosses_86D03E7D451A1AA9D95954E35F48EA79" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_B3B65728775268F506FA54E35F471ACB" xlink:to="loc_us-gaap_ProvisionForLoanAndLeaseLosses_86D03E7D451A1AA9D95954E35F48EA79" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="loc_us-gaap_LoansAndLeasesReceivableAllowance_7EA3E95444205C85D6DD54E35F48773D" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AllowanceForLoanAndLeaseLossesRollForward_B3B65728775268F506FA54E35F471ACB" xlink:to="loc_us-gaap_LoansAndLeasesReceivableAllowance_7EA3E95444205C85D6DD54E35F48773D" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesCompositionOfBankLoansAndDelinquencyAnalysisByLoanSegmentDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_B5C029B47A5E30D36ABC54E35F5E68C4" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_E183864D1330D85AD62454E35F5E9862" xlink:type="locator" />
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_B5C029B47A5E30D36ABC54E35F5E68C4" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_E183864D1330D85AD62454E35F5E9862" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_D030593BC9A7742BA37254E35F5FEBD1" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_E183864D1330D85AD62454E35F5E9862" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_D030593BC9A7742BA37254E35F5FEBD1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_109907985A96995A5B5554E35F6067B6" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_D030593BC9A7742BA37254E35F5FEBD1" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_109907985A96995A5B5554E35F6067B6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FirstMortgageMember" xlink:label="loc_us-gaap_FirstMortgageMember_38A59DF5EC0CC8E9272254E35F60C903" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_109907985A96995A5B5554E35F6067B6" xlink:to="loc_us-gaap_FirstMortgageMember_38A59DF5EC0CC8E9272254E35F60C903" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HomeEquityMember" xlink:label="loc_us-gaap_HomeEquityMember_2126E23DEC50B0725F5954E35F61E1A0" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_109907985A96995A5B5554E35F6067B6" xlink:to="loc_us-gaap_HomeEquityMember_2126E23DEC50B0725F5954E35F61E1A0" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_PledgedAssetLinesMember" xlink:label="loc_schw_PledgedAssetLinesMember_B0A6A8961E12299A8E1654E35F61CEF1" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_109907985A96995A5B5554E35F6067B6" xlink:to="loc_schw_PledgedAssetLinesMember_B0A6A8961E12299A8E1654E35F61CEF1" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherLoansMember" xlink:label="loc_schw_OtherLoansMember_F3079244FB65BDC2A2DC54E35F6143A2" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_109907985A96995A5B5554E35F6067B6" xlink:to="loc_schw_OtherLoansMember_F3079244FB65BDC2A2DC54E35F6143A2" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FirstMortgageAndHomeEquityMember" xlink:label="loc_schw_FirstMortgageAndHomeEquityMember_0BD3D74206602591E92954E35F61941F" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_109907985A96995A5B5554E35F6067B6" xlink:to="loc_schw_FirstMortgageAndHomeEquityMember_0BD3D74206602591E92954E35F61941F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_FB1151C6565278F6BC9854E35F6104DC" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_E183864D1330D85AD62454E35F5E9862" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_FB1151C6565278F6BC9854E35F6104DC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_AFD1F839D44D00B77B2D54E35F611C45" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_FB1151C6565278F6BC9854E35F6104DC" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_AFD1F839D44D00B77B2D54E35F611C45" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_720630FD771C8EDD1E7254E35F62C4C1" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_AFD1F839D44D00B77B2D54E35F611C45" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_720630FD771C8EDD1E7254E35F62C4C1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_BC263680A0D36558252354E35F62A11F" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_AFD1F839D44D00B77B2D54E35F611C45" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_BC263680A0D36558252354E35F62A11F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_79A9C536ACE8CEB786C354E35F626BB6" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_AFD1F839D44D00B77B2D54E35F611C45" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_79A9C536ACE8CEB786C354E35F626BB6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_AEA7A49BDF577710588D54E35F62CC37" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_E183864D1330D85AD62454E35F5E9862" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_AEA7A49BDF577710588D54E35F62CC37" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConcentrationRiskBenchmarkDomain" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_6A6B425AE42B2E781CC954E35F62383E" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_AEA7A49BDF577710588D54E35F62CC37" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_6A6B425AE42B2E781CC954E35F62383E" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_LoansGeographicAreaMember" xlink:label="loc_schw_LoansGeographicAreaMember_433A20890B4C7FF3284A54E35F6380E7" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_6A6B425AE42B2E781CC954E35F62383E" xlink:to="loc_schw_LoansGeographicAreaMember_433A20890B4C7FF3284A54E35F6380E7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="loc_us-gaap_StatementGeographicalAxis_567103B8EFDD42F7B1F054E35F630A3A" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_E183864D1330D85AD62454E35F5E9862" xlink:to="loc_us-gaap_StatementGeographicalAxis_567103B8EFDD42F7B1F054E35F630A3A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentGeographicalDomain" xlink:label="loc_us-gaap_SegmentGeographicalDomain_BDE20E9A1898E45F81DA54E35F63C5EC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementGeographicalAxis_567103B8EFDD42F7B1F054E35F630A3A" xlink:to="loc_us-gaap_SegmentGeographicalDomain_BDE20E9A1898E45F81DA54E35F63C5EC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd#stpr_CA" xlink:label="loc_stpr_CA_6FA1DCC038334E2FE56354E35F630254" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentGeographicalDomain_BDE20E9A1898E45F81DA54E35F63C5EC" xlink:to="loc_stpr_CA_6FA1DCC038334E2FE56354E35F630254" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_7CDCCFCCBD4F9BD1720E54E35F646C01" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_E183864D1330D85AD62454E35F5E9862" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_7CDCCFCCBD4F9BD1720E54E35F646C01" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentCurrent_86F1584B7F39EAA577A054E35F649DD3" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_7CDCCFCCBD4F9BD1720E54E35F646C01" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentCurrent_86F1584B7F39EAA577A054E35F649DD3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDue_330D5884A3AA60C3CFA454E35F64D15A" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_7CDCCFCCBD4F9BD1720E54E35F646C01" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDue_330D5884A3AA60C3CFA454E35F64D15A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumerRealEstate" xlink:label="loc_us-gaap_LoansAndLeasesReceivableConsumerRealEstate_152DC702272C81D5233D54E35F647FF2" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_7CDCCFCCBD4F9BD1720E54E35F646C01" xlink:to="loc_us-gaap_LoansAndLeasesReceivableConsumerRealEstate_152DC702272C81D5233D54E35F647FF2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="loc_us-gaap_LoansAndLeasesReceivableAllowance_81C5FFA0BD5BEDADD33154E35F65D2D5" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_7CDCCFCCBD4F9BD1720E54E35F646C01" xlink:to="loc_us-gaap_LoansAndLeasesReceivableAllowance_81C5FFA0BD5BEDADD33154E35F65D2D5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmount_0238B7E594E9A5E54FC454E35F6551EB" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_7CDCCFCCBD4F9BD1720E54E35F646C01" xlink:to="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmount_0238B7E594E9A5E54FC454E35F6551EB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" xlink:label="loc_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_6C2D52D9120BA8E232B654E35F658216" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_7CDCCFCCBD4F9BD1720E54E35F646C01" xlink:to="loc_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_6C2D52D9120BA8E232B654E35F658216" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConcentrationRiskPercentage1" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_F98DAF1E7D8116A445BD54E35F65FB4A" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_7CDCCFCCBD4F9BD1720E54E35F646C01" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_F98DAF1E7D8116A445BD54E35F65FB4A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_7AE23D07E1EBF75A234F54E35F65B821" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_7CDCCFCCBD4F9BD1720E54E35F646C01" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_7AE23D07E1EBF75A234F54E35F65B821" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesConvertToAmortizingLoansDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_B3963D5A6F6228DF199C54E35EFA3F60" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_F03807B0B80163316DD354E35EFA0100" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_B3963D5A6F6228DF199C54E35EFA3F60" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_F03807B0B80163316DD354E35EFA0100" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_EE03F72585391FF8691F54E35EFAAE72" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_F03807B0B80163316DD354E35EFA0100" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_EE03F72585391FF8691F54E35EFAAE72" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_468FAC933FF6280C070E54E35EFB42BE" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_EE03F72585391FF8691F54E35EFAAE72" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_468FAC933FF6280C070E54E35EFB42BE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HomeEquityMember" xlink:label="loc_us-gaap_HomeEquityMember_FCB321D198BCD4FA603B54E35EFB4C5F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_468FAC933FF6280C070E54E35EFB42BE" xlink:to="loc_us-gaap_HomeEquityMember_FCB321D198BCD4FA603B54E35EFB4C5F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_38DBE714FF28F694035254E35EFC10D9" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_F03807B0B80163316DD354E35EFA0100" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_38DBE714FF28F694035254E35EFC10D9" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancingReceivableAmountConvertedtoAmortizingLoanbyPeriodEnd" xlink:label="loc_schw_FinancingReceivableAmountConvertedtoAmortizingLoanbyPeriodEnd_6FAC6E357393FCA8F4EC54E35EFCCC4F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_38DBE714FF28F694035254E35EFC10D9" xlink:to="loc_schw_FinancingReceivableAmountConvertedtoAmortizingLoanbyPeriodEnd_6FAC6E357393FCA8F4EC54E35EFCCC4F" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancingReceivableConvertedtoAmortizingLoanYearOne" xlink:label="loc_schw_FinancingReceivableConvertedtoAmortizingLoanYearOne_E3E76C45DE30CAABA0B054E35EFCA176" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_38DBE714FF28F694035254E35EFC10D9" xlink:to="loc_schw_FinancingReceivableConvertedtoAmortizingLoanYearOne_E3E76C45DE30CAABA0B054E35EFCA176" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancingReceivableConvertedtoAmortizingLoanYearOnetoYearThree" xlink:label="loc_schw_FinancingReceivableConvertedtoAmortizingLoanYearOnetoYearThree_66D85EF112D3D0000E8F54E35EFCDF5C" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_38DBE714FF28F694035254E35EFC10D9" xlink:to="loc_schw_FinancingReceivableConvertedtoAmortizingLoanYearOnetoYearThree_66D85EF112D3D0000E8F54E35EFCDF5C" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancingReceivableConvertedtoAmortizingLoanYearThreetoYearFive" xlink:label="loc_schw_FinancingReceivableConvertedtoAmortizingLoanYearThreetoYearFive_644F1C75F2BCF2EBB7B554E35EFC8D2C" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_38DBE714FF28F694035254E35EFC10D9" xlink:to="loc_schw_FinancingReceivableConvertedtoAmortizingLoanYearThreetoYearFive_644F1C75F2BCF2EBB7B554E35EFC8D2C" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancingReceivableConvertedtoAmortizingLoanYearFive" xlink:label="loc_schw_FinancingReceivableConvertedtoAmortizingLoanYearFive_F2EE8D3F4F5C7F4B055154E35EFD29F8" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_38DBE714FF28F694035254E35EFC10D9" xlink:to="loc_schw_FinancingReceivableConvertedtoAmortizingLoanYearFive_F2EE8D3F4F5C7F4B055154E35EFD29F8" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancingReceivableConvertedtoAmortizingLoan" xlink:label="loc_schw_FinancingReceivableConvertedtoAmortizingLoan_9123B3688BE00AC33A9754E35EFD14A8" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_38DBE714FF28F694035254E35EFC10D9" xlink:to="loc_schw_FinancingReceivableConvertedtoAmortizingLoan_9123B3688BE00AC33A9754E35EFD14A8" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesCreditQualityIndicatorsOfBankLoanPortfolioDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_C0801E27A909431DDE9154E35F042831" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_FD775118B6EE9E2839C454E35F0552DF" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_C0801E27A909431DDE9154E35F042831" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_FD775118B6EE9E2839C454E35F0552DF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_1356A60030126585FA5F54E35F052176" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_FD775118B6EE9E2839C454E35F0552DF" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_1356A60030126585FA5F54E35F052176" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_309BAC23FB7E022E323454E35F05FB8F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_1356A60030126585FA5F54E35F052176" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_309BAC23FB7E022E323454E35F05FB8F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FirstMortgageMember" xlink:label="loc_us-gaap_FirstMortgageMember_A3B4C50F2CBD9659E8FD54E35F06F6FC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_309BAC23FB7E022E323454E35F05FB8F" xlink:to="loc_us-gaap_FirstMortgageMember_A3B4C50F2CBD9659E8FD54E35F06F6FC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HomeEquityMember" xlink:label="loc_us-gaap_HomeEquityMember_F7D2E7DE749EBE7792CD54E35F062FB0" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_309BAC23FB7E022E323454E35F05FB8F" xlink:to="loc_us-gaap_HomeEquityMember_F7D2E7DE749EBE7792CD54E35F062FB0" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_PledgedAssetLinesMember" xlink:label="loc_schw_PledgedAssetLinesMember_D787D16BCE9B6BD9724054E35F071BF7" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_309BAC23FB7E022E323454E35F05FB8F" xlink:to="loc_schw_PledgedAssetLinesMember_D787D16BCE9B6BD9724054E35F071BF7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoanToValueAxis" xlink:label="loc_us-gaap_LoanToValueAxis_72E37879CEA4DF71E79054E35F07650C" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_FD775118B6EE9E2839C454E35F0552DF" xlink:to="loc_us-gaap_LoanToValueAxis_72E37879CEA4DF71E79054E35F07650C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoanToValueDomain" xlink:label="loc_us-gaap_LoanToValueDomain_B39B0272AF7312497B8554E35F07AA0C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanToValueAxis_72E37879CEA4DF71E79054E35F07650C" xlink:to="loc_us-gaap_LoanToValueDomain_B39B0272AF7312497B8554E35F07AA0C" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_EstimatedCurrentLoanToValueRatioSeventyPercentAndBelowMember" xlink:label="loc_schw_EstimatedCurrentLoanToValueRatioSeventyPercentAndBelowMember_9CD9417291B2F974F06E54E35F0796C6" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanToValueDomain_B39B0272AF7312497B8554E35F07AA0C" xlink:to="loc_schw_EstimatedCurrentLoanToValueRatioSeventyPercentAndBelowMember_9CD9417291B2F974F06E54E35F0796C6" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_EstimatedCurrentLoanToValueRatioGreaterThanSeventyPercentThroughNinetyPercentMember" xlink:label="loc_schw_EstimatedCurrentLoanToValueRatioGreaterThanSeventyPercentThroughNinetyPercentMember_BA9FB2F9A1DFB667905E54E35F087E4C" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanToValueDomain_B39B0272AF7312497B8554E35F07AA0C" xlink:to="loc_schw_EstimatedCurrentLoanToValueRatioGreaterThanSeventyPercentThroughNinetyPercentMember_BA9FB2F9A1DFB667905E54E35F087E4C" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_EstimatedCurrentLoanToValueRatioGreaterThanNinetyPercentThroughOneHundredPercentMember" xlink:label="loc_schw_EstimatedCurrentLoanToValueRatioGreaterThanNinetyPercentThroughOneHundredPercentMember_8D110D24CAA60496880154E35F086C8C" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanToValueDomain_B39B0272AF7312497B8554E35F07AA0C" xlink:to="loc_schw_EstimatedCurrentLoanToValueRatioGreaterThanNinetyPercentThroughOneHundredPercentMember_8D110D24CAA60496880154E35F086C8C" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_EstimatedCurrentLoanToValueRatioGreaterThanOneHundredPercentMember" xlink:label="loc_schw_EstimatedCurrentLoanToValueRatioGreaterThanOneHundredPercentMember_A59D6C21484777EC680054E35F089F46" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanToValueDomain_B39B0272AF7312497B8554E35F07AA0C" xlink:to="loc_schw_EstimatedCurrentLoanToValueRatioGreaterThanOneHundredPercentMember_A59D6C21484777EC680054E35F089F46" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_WeightedAverageLoanToValueRatioEqualToSeventyPercentMember" xlink:label="loc_schw_WeightedAverageLoanToValueRatioEqualToSeventyPercentMember_AB1406BC737029BDE20354E35F08193E" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanToValueDomain_B39B0272AF7312497B8554E35F07AA0C" xlink:to="loc_schw_WeightedAverageLoanToValueRatioEqualToSeventyPercentMember_AB1406BC737029BDE20354E35F08193E" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OriginationLoanToValueRatioSeventyPercentAndBelowMember" xlink:label="loc_schw_OriginationLoanToValueRatioSeventyPercentAndBelowMember_AE52BEF285B2D01C371954E35F08D3FA" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanToValueDomain_B39B0272AF7312497B8554E35F07AA0C" xlink:to="loc_schw_OriginationLoanToValueRatioSeventyPercentAndBelowMember_AE52BEF285B2D01C371954E35F08D3FA" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OriginationLoanToValueRatioGreaterThanSeventyPercentThroughNinetyPercentMember" xlink:label="loc_schw_OriginationLoanToValueRatioGreaterThanSeventyPercentThroughNinetyPercentMember_5B68C47A154672BBF5E554E35F094BFB" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanToValueDomain_B39B0272AF7312497B8554E35F07AA0C" xlink:to="loc_schw_OriginationLoanToValueRatioGreaterThanSeventyPercentThroughNinetyPercentMember_5B68C47A154672BBF5E554E35F094BFB" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OriginationLoanToValueRatioGreaterThanNinetyPercentThroughOneHundredPercentMember" xlink:label="loc_schw_OriginationLoanToValueRatioGreaterThanNinetyPercentThroughOneHundredPercentMember_088C5895F2F9CFDF253A54E35F098ACD" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanToValueDomain_B39B0272AF7312497B8554E35F07AA0C" xlink:to="loc_schw_OriginationLoanToValueRatioGreaterThanNinetyPercentThroughOneHundredPercentMember_088C5895F2F9CFDF253A54E35F098ACD" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_CreditRatingSourceAxis" xlink:label="loc_invest_CreditRatingSourceAxis_BC59F86C979618045C2B54E35F09B16F" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_FD775118B6EE9E2839C454E35F0552DF" xlink:to="loc_invest_CreditRatingSourceAxis_BC59F86C979618045C2B54E35F09B16F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_CreditRatingSourceDomain" xlink:label="loc_invest_CreditRatingSourceDomain_4251A6B04BDF15AC74F954E35F090824" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_invest_CreditRatingSourceAxis_BC59F86C979618045C2B54E35F09B16F" xlink:to="loc_invest_CreditRatingSourceDomain_4251A6B04BDF15AC74F954E35F090824" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_YearOfOriginationOneMember" xlink:label="loc_schw_YearOfOriginationOneMember_5E4E83D3894ED5A86FB154E35F0935A1" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_invest_CreditRatingSourceDomain_4251A6B04BDF15AC74F954E35F090824" xlink:to="loc_schw_YearOfOriginationOneMember_5E4E83D3894ED5A86FB154E35F0935A1" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_YearOfOriginationTwoMember" xlink:label="loc_schw_YearOfOriginationTwoMember_B35B696965B17872A21A54E35F0AA1EC" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_invest_CreditRatingSourceDomain_4251A6B04BDF15AC74F954E35F090824" xlink:to="loc_schw_YearOfOriginationTwoMember_B35B696965B17872A21A54E35F0AA1EC" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_YearOfOriginationThreeMember" xlink:label="loc_schw_YearOfOriginationThreeMember_B4BFE419A7D4C7420AD854E35F0A1782" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_invest_CreditRatingSourceDomain_4251A6B04BDF15AC74F954E35F090824" xlink:to="loc_schw_YearOfOriginationThreeMember_B4BFE419A7D4C7420AD854E35F0A1782" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_YearOfOriginationFourMember" xlink:label="loc_schw_YearOfOriginationFourMember_647B6A2303B23A9044B554E35F0A9461" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_invest_CreditRatingSourceDomain_4251A6B04BDF15AC74F954E35F090824" xlink:to="loc_schw_YearOfOriginationFourMember_647B6A2303B23A9044B554E35F0A9461" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_YearOfOriginationFiveMember" xlink:label="loc_schw_YearOfOriginationFiveMember_1F48344A30F2143213BC54E35F0AE2B9" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_invest_CreditRatingSourceDomain_4251A6B04BDF15AC74F954E35F090824" xlink:to="loc_schw_YearOfOriginationFiveMember_1F48344A30F2143213BC54E35F0AE2B9" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_YearOfOriginationSixMember" xlink:label="loc_schw_YearOfOriginationSixMember_60E5D8E257FD1B97B90A54E35F0A6765" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_invest_CreditRatingSourceDomain_4251A6B04BDF15AC74F954E35F090824" xlink:to="loc_schw_YearOfOriginationSixMember_60E5D8E257FD1B97B90A54E35F0A6765" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CreditScoreFicoAxis" xlink:label="loc_us-gaap_CreditScoreFicoAxis_BBB57CECFC08A9335E4754E35F0BE6F9" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_FD775118B6EE9E2839C454E35F0552DF" xlink:to="loc_us-gaap_CreditScoreFicoAxis_BBB57CECFC08A9335E4754E35F0BE6F9" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CreditScoreFicoDomain" xlink:label="loc_us-gaap_CreditScoreFicoDomain_F349F6AA7D826C8706E454E35F0B1635" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoAxis_BBB57CECFC08A9335E4754E35F0BE6F9" xlink:to="loc_us-gaap_CreditScoreFicoDomain_F349F6AA7D826C8706E454E35F0B1635" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OriginationFicoScoreBelowSixHundredTwentyMember" xlink:label="loc_schw_OriginationFicoScoreBelowSixHundredTwentyMember_AC7B35F8B31FEC37848F54E35F0C7603" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_F349F6AA7D826C8706E454E35F0B1635" xlink:to="loc_schw_OriginationFicoScoreBelowSixHundredTwentyMember_AC7B35F8B31FEC37848F54E35F0C7603" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OriginationFicoScoreSixHundredTwentyThroughSixHundredSeventyNineMember" xlink:label="loc_schw_OriginationFicoScoreSixHundredTwentyThroughSixHundredSeventyNineMember_CB82B90FBA4982907A7454E35F0C8F19" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_F349F6AA7D826C8706E454E35F0B1635" xlink:to="loc_schw_OriginationFicoScoreSixHundredTwentyThroughSixHundredSeventyNineMember_CB82B90FBA4982907A7454E35F0C8F19" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OriginationFicoScoreSixHundredEightyThroughSevenHundredThirtyNineMember" xlink:label="loc_schw_OriginationFicoScoreSixHundredEightyThroughSevenHundredThirtyNineMember_7C30CBF51A48343AFBD854E35F0C1847" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_F349F6AA7D826C8706E454E35F0B1635" xlink:to="loc_schw_OriginationFicoScoreSixHundredEightyThroughSevenHundredThirtyNineMember_7C30CBF51A48343AFBD854E35F0C1847" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OriginationFicoScoreSevenHundredFortyAndAboveMember" xlink:label="loc_schw_OriginationFicoScoreSevenHundredFortyAndAboveMember_1E06CC8D63CA77ABA1BB54E35F0C0BA3" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_F349F6AA7D826C8706E454E35F0B1635" xlink:to="loc_schw_OriginationFicoScoreSevenHundredFortyAndAboveMember_1E06CC8D63CA77ABA1BB54E35F0C0BA3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_D701CAE3FB31292460B554E35F0C22A2" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_FD775118B6EE9E2839C454E35F0552DF" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_D701CAE3FB31292460B554E35F0C22A2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumerRealEstate" xlink:label="loc_us-gaap_LoansAndLeasesReceivableConsumerRealEstate_5ECCC3284907E5917AE954E35F0D2E74" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_D701CAE3FB31292460B554E35F0C22A2" xlink:to="loc_us-gaap_LoansAndLeasesReceivableConsumerRealEstate_5ECCC3284907E5917AE954E35F0D2E74" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancingReceivableCreditQualityWeightedAverageCreditRatingsUpdated" xlink:label="loc_schw_FinancingReceivableCreditQualityWeightedAverageCreditRatingsUpdated_79EECAAA5CBF021CACF254E35F0D2C4A" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_D701CAE3FB31292460B554E35F0C22A2" xlink:to="loc_schw_FinancingReceivableCreditQualityWeightedAverageCreditRatingsUpdated_79EECAAA5CBF021CACF254E35F0D2C4A" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancingReceivableCreditQualityUtilizationRate" xlink:label="loc_schw_FinancingReceivableCreditQualityUtilizationRate_67716FAB4C17531515A154E35F0D72FB" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_D701CAE3FB31292460B554E35F0C22A2" xlink:to="loc_schw_FinancingReceivableCreditQualityUtilizationRate_67716FAB4C17531515A154E35F0D72FB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" xlink:label="loc_us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans_88A22A50DD6E2D4031F254E35F0D6AC7" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_D701CAE3FB31292460B554E35F0C22A2" xlink:to="loc_us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans_88A22A50DD6E2D4031F254E35F0D6AC7" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesImpairedAssetsDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_6352642647D0F69DD00B54E35F315D8D" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_DB50FED1A80EC5B8AB3454E35F32BBE8" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_6352642647D0F69DD00B54E35F315D8D" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_DB50FED1A80EC5B8AB3454E35F32BBE8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentPerformanceStatusAxis" xlink:label="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_0E9899689D56BA6AAA2654E35F32B53E" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_DB50FED1A80EC5B8AB3454E35F32BBE8" xlink:to="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_0E9899689D56BA6AAA2654E35F32B53E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentPerformanceStatusDomain" xlink:label="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_12CD2AFBCA2D6A7DD88454E35F327596" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_0E9899689D56BA6AAA2654E35F32B53E" xlink:to="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_12CD2AFBCA2D6A7DD88454E35F327596" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NonperformingFinancingReceivableMember" xlink:label="loc_us-gaap_NonperformingFinancingReceivableMember_0F913211967FD5E280AA54E35F32C522" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_12CD2AFBCA2D6A7DD88454E35F327596" xlink:to="loc_us-gaap_NonperformingFinancingReceivableMember_0F913211967FD5E280AA54E35F32C522" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3561BD2626521FB9240054E35F3389D3" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_DB50FED1A80EC5B8AB3454E35F32BBE8" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3561BD2626521FB9240054E35F3389D3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_C7E2CA8B9E3DBD8DDD4254E35F3365A5" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3561BD2626521FB9240054E35F3389D3" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_C7E2CA8B9E3DBD8DDD4254E35F3365A5" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_NonaccrualLoansMember" xlink:label="loc_schw_NonaccrualLoansMember_75BAF1F0FB1DFF91986E54E35F34AF6B" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_C7E2CA8B9E3DBD8DDD4254E35F3365A5" xlink:to="loc_schw_NonaccrualLoansMember_75BAF1F0FB1DFF91986E54E35F34AF6B" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherRealEstateOwnedMember" xlink:label="loc_schw_OtherRealEstateOwnedMember_3CCCAE7D38E5391BEEAE54E35F340B9E" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_C7E2CA8B9E3DBD8DDD4254E35F3365A5" xlink:to="loc_schw_OtherRealEstateOwnedMember_3CCCAE7D38E5391BEEAE54E35F340B9E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_D32BD4198D8271D651E654E35F35CB23" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_DB50FED1A80EC5B8AB3454E35F32BBE8" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_D32BD4198D8271D651E654E35F35CB23" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:label="loc_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_BE911DFA7A979AA431EA54E35F354594" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_D32BD4198D8271D651E654E35F35CB23" xlink:to="loc_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_BE911DFA7A979AA431EA54E35F354594" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_24CC9187CCD940723AB254E35F358E7F" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_D32BD4198D8271D651E654E35F35CB23" xlink:to="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_24CC9187CCD940723AB254E35F358E7F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_A001E40C6A2A7CC2B5B554E35F357354" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_D32BD4198D8271D651E654E35F35CB23" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_A001E40C6A2A7CC2B5B554E35F357354" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_248ADF11CCC9E8B7CC0154E35F5204E2" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_FFED2B35C5F85093B77F54E35F5227C2" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_248ADF11CCC9E8B7CC0154E35F5204E2" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_FFED2B35C5F85093B77F54E35F5227C2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CFF35E72682DFA6FD0FA54E35F521917" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_FFED2B35C5F85093B77F54E35F5227C2" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CFF35E72682DFA6FD0FA54E35F521917" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_75F6819F2D1C8826FB0554E35F530A0C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CFF35E72682DFA6FD0FA54E35F521917" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_75F6819F2D1C8826FB0554E35F530A0C" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FirstMortgageAndHomeEquityMember" xlink:label="loc_schw_FirstMortgageAndHomeEquityMember_CFBE742A1A36BC6857BE54E35F531305" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_75F6819F2D1C8826FB0554E35F530A0C" xlink:to="loc_schw_FirstMortgageAndHomeEquityMember_CFBE742A1A36BC6857BE54E35F531305" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_AdjustableRateFirstMortgageMember" xlink:label="loc_schw_AdjustableRateFirstMortgageMember_6CD20867A57CBFAE29EF54E35F530F50" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_75F6819F2D1C8826FB0554E35F530A0C" xlink:to="loc_schw_AdjustableRateFirstMortgageMember_6CD20867A57CBFAE29EF54E35F530F50" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HomeEquityMember" xlink:label="loc_us-gaap_HomeEquityMember_DF6CE03D268AB759F5A754E35F53AC4A" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_75F6819F2D1C8826FB0554E35F530A0C" xlink:to="loc_us-gaap_HomeEquityMember_DF6CE03D268AB759F5A754E35F53AC4A" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_HomeEquitySecuredBySecondLiensMember" xlink:label="loc_schw_HomeEquitySecuredBySecondLiensMember_C753C645560763E3513F54E35F540B56" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_75F6819F2D1C8826FB0554E35F530A0C" xlink:to="loc_schw_HomeEquitySecuredBySecondLiensMember_C753C645560763E3513F54E35F540B56" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeAxis" xlink:label="loc_us-gaap_RangeAxis_0A039D16D26C7B117AB754E35F54B519" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_FFED2B35C5F85093B77F54E35F5227C2" xlink:to="loc_us-gaap_RangeAxis_0A039D16D26C7B117AB754E35F54B519" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeMember" xlink:label="loc_us-gaap_RangeMember_AB156A22CA8F3E5C841054E35F54033C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeAxis_0A039D16D26C7B117AB754E35F54B519" xlink:to="loc_us-gaap_RangeMember_AB156A22CA8F3E5C841054E35F54033C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MinimumMember" xlink:label="loc_us-gaap_MinimumMember_A239E6E4D713FE10E51854E35F54E5C6" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeMember_AB156A22CA8F3E5C841054E35F54033C" xlink:to="loc_us-gaap_MinimumMember_A239E6E4D713FE10E51854E35F54E5C6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaximumMember" xlink:label="loc_us-gaap_MaximumMember_20AF84703A42FFB5387B54E35F553157" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeMember_AB156A22CA8F3E5C841054E35F54033C" xlink:to="loc_us-gaap_MaximumMember_20AF84703A42FFB5387B54E35F553157" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_FFED2B35C5F85093B77F54E35F5227C2" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansPledgedAsCollateral" xlink:label="loc_us-gaap_LoansPledgedAsCollateral_658C4E19E1AAE7F3E6E354E35F553701" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:to="loc_us-gaap_LoansPledgedAsCollateral_658C4E19E1AAE7F3E6E354E35F553701" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageLoansOnRealEstateCarryingAmountOfMortgages" xlink:label="loc_us-gaap_MortgageLoansOnRealEstateCarryingAmountOfMortgages_3E99B1726C29FA163B9E54E35F55648D" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:to="loc_us-gaap_MortgageLoansOnRealEstateCarryingAmountOfMortgages_3E99B1726C29FA163B9E54E35F55648D" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_MortgageLoansonRealEstateFixedRateInterestRatePeriod" xlink:label="loc_schw_MortgageLoansonRealEstateFixedRateInterestRatePeriod_3A2203C446C54A0D4BA554E35F55312B" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:to="loc_schw_MortgageLoansonRealEstateFixedRateInterestRatePeriod_3A2203C446C54A0D4BA554E35F55312B" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_MortgageLoansonRealEstatePercentofLoanswithInterestOnlyPayments" xlink:label="loc_schw_MortgageLoansonRealEstatePercentofLoanswithInterestOnlyPayments_CC7C93E9DD0E031F483B54E35F5584BC" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:to="loc_schw_MortgageLoansonRealEstatePercentofLoanswithInterestOnlyPayments_CC7C93E9DD0E031F483B54E35F5584BC" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_MortgageLoansonRealEstatePercentofInterestOnlyAdjustableRate" xlink:label="loc_schw_MortgageLoansonRealEstatePercentofInterestOnlyAdjustableRate_4A6C01C36C2328E8F6C454E35F56D500" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:to="loc_schw_MortgageLoansonRealEstatePercentofInterestOnlyAdjustableRate_4A6C01C36C2328E8F6C454E35F56D500" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_MortgageLoansonRealEstateInterestOnlyResetPeriod" xlink:label="loc_schw_MortgageLoansonRealEstateInterestOnlyResetPeriod_CE1330FD48127436B46154E35F561F3F" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:to="loc_schw_MortgageLoansonRealEstateInterestOnlyResetPeriod_CE1330FD48127436B46154E35F561F3F" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancingReceivableLoanTerm" xlink:label="loc_schw_FinancingReceivableLoanTerm_A65D72CF00420DD6CC4C54E35F5681C7" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:to="loc_schw_FinancingReceivableLoanTerm_A65D72CF00420DD6CC4C54E35F5681C7" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancingReceivableInitialDrawPeriod" xlink:label="loc_schw_FinancingReceivableInitialDrawPeriod_9FFCAB681960E393B69254E35F56DAC3" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:to="loc_schw_FinancingReceivableInitialDrawPeriod_9FFCAB681960E393B69254E35F56DAC3" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancingReceivableConverttoAmortizingLoansPeriod" xlink:label="loc_schw_FinancingReceivableConverttoAmortizingLoansPeriod_DD6CAF6385896E09072654E35F567C3C" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:to="loc_schw_FinancingReceivableConverttoAmortizingLoansPeriod_DD6CAF6385896E09072654E35F567C3C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumerRealEstate" xlink:label="loc_us-gaap_LoansAndLeasesReceivableConsumerRealEstate_62F77D332E4134948C4C54E35F56E51C" xlink:type="locator" />
    <link:presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:to="loc_us-gaap_LoansAndLeasesReceivableConsumerRealEstate_62F77D332E4134948C4C54E35F56E51C" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancingReceivablePercentofLoanBalanceOutstandingBorrowersPaidOnlyMinimumDue" xlink:label="loc_schw_FinancingReceivablePercentofLoanBalanceOutstandingBorrowersPaidOnlyMinimumDue_F3F6DC0909D8E8608AE454E35F575070" xlink:type="locator" />
    <link:presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_AEE49E454FC13EAC5D8854E35F5522CB" xlink:to="loc_schw_FinancingReceivablePercentofLoanBalanceOutstandingBorrowersPaidOnlyMinimumDue_F3F6DC0909D8E8608AE454E35F575070" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BankLoansAndRelatedAllowanceForLoanLossesTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract_CEFA90B31239B0541C0054E35F6B58E9" xlink:type="locator" />
    <link:loc xlink:href="schw-20180930.xsd#schw_ScheduleOfBankLoansByLoanSegmentAndPastDueFinancingReceivablesTableTextBlock" xlink:label="loc_schw_ScheduleOfBankLoansByLoanSegmentAndPastDueFinancingReceivablesTableTextBlock_99D32CF97FB3379A2F8054E35F6B0FBD" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_CEFA90B31239B0541C0054E35F6B58E9" xlink:to="loc_schw_ScheduleOfBankLoansByLoanSegmentAndPastDueFinancingReceivablesTableTextBlock_99D32CF97FB3379A2F8054E35F6B0FBD" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:label="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_2F53AA1170849A740AAF54E35F6B1A98" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_CEFA90B31239B0541C0054E35F6B58E9" xlink:to="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_2F53AA1170849A740AAF54E35F6B1A98" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:label="loc_us-gaap_ImpairedFinancingReceivablesTableTextBlock_3F679549B63C8E760EFF54E35F6B8492" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_CEFA90B31239B0541C0054E35F6B58E9" xlink:to="loc_us-gaap_ImpairedFinancingReceivablesTableTextBlock_3F679549B63C8E760EFF54E35F6B8492" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:label="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_49F92D1EAC19CF40BEEA54E35F6B9931" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_CEFA90B31239B0541C0054E35F6B58E9" xlink:to="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_49F92D1EAC19CF40BEEA54E35F6B9931" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_ScheduleofFinancingReceivableConverttoAmortizingLoansTableTextBlock" xlink:label="loc_schw_ScheduleofFinancingReceivableConverttoAmortizingLoansTableTextBlock_BB591292F98AD084AB6854E35F6CBDCC" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_CEFA90B31239B0541C0054E35F6B58E9" xlink:to="loc_schw_ScheduleofFinancingReceivableConverttoAmortizingLoansTableTextBlock_BB591292F98AD084AB6854E35F6CBDCC" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/Borrowings" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_37D2C5A01EAD68A1844954E35E649FCB" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtDisclosureTextBlock" xlink:label="loc_us-gaap_DebtDisclosureTextBlock_DB75056EF7BC576BD8F054E35E648194" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_37D2C5A01EAD68A1844954E35E649FCB" xlink:to="loc_us-gaap_DebtDisclosureTextBlock_DB75056EF7BC576BD8F054E35E648194" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BorrowingsAnnualMaturitiesOnLongTermDebtOutstandingDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_196585DBAB0CE69C42AD54E35E2B2D71" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligationsRepaymentsOfPrincipalInNextTwelveMonths" xlink:label="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsRepaymentsOfPrincipalInNextTwelveMonths_F0758AE041B1FF2AF90D54E35E2B6D68" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_196585DBAB0CE69C42AD54E35E2B2D71" xlink:to="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsRepaymentsOfPrincipalInNextTwelveMonths_F0758AE041B1FF2AF90D54E35E2B6D68" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:label="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearTwo_CC01C30CDA3DC06A934054E35E2C0FEC" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_196585DBAB0CE69C42AD54E35E2B2D71" xlink:to="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearTwo_CC01C30CDA3DC06A934054E35E2C0FEC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearThree" xlink:label="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearThree_AA6EDDBEA2449EF9336C54E35E2C021C" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_196585DBAB0CE69C42AD54E35E2B2D71" xlink:to="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearThree_AA6EDDBEA2449EF9336C54E35E2C021C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearFour" xlink:label="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearFour_508106E59721758B356D54E35E2C98BA" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_196585DBAB0CE69C42AD54E35E2B2D71" xlink:to="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearFour_508106E59721758B356D54E35E2C98BA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearFive" xlink:label="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearFive_34D97C6D7ADB5452136254E35E31B634" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_196585DBAB0CE69C42AD54E35E2B2D71" xlink:to="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalInYearFive_34D97C6D7ADB5452136254E35E31B634" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalAfterYearFive" xlink:label="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalAfterYearFive_929EA18084AE99B39F7954E35E325E1B" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_196585DBAB0CE69C42AD54E35E2B2D71" xlink:to="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsMaturitiesRepaymentsOfPrincipalAfterYearFive_929EA18084AE99B39F7954E35E325E1B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentCarryingAmount" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_F0AE9858A0485E3F325454E35E32AEBB" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_196585DBAB0CE69C42AD54E35E2B2D71" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_F0AE9858A0485E3F325454E35E32AEBB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentUnamortizedDiscount" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_691DB6886D52C36326C554E35E32A7EA" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_196585DBAB0CE69C42AD54E35E2B2D71" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_691DB6886D52C36326C554E35E32A7EA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredFinanceCostsNet" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_1B10FC64123B2B7A13B754E35E321A77" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_196585DBAB0CE69C42AD54E35E2B2D71" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_1B10FC64123B2B7A13B754E35E321A77" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligations" xlink:label="loc_us-gaap_LongTermDebtAndCapitalLeaseObligations_235448C0B4E6C0F45C1454E35E33F547" xlink:type="locator" />
    <link:presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_196585DBAB0CE69C42AD54E35E2B2D71" xlink:to="loc_us-gaap_LongTermDebtAndCapitalLeaseObligations_235448C0B4E6C0F45C1454E35E33F547" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BorrowingsLongTermDebtIncludingUnamortizedDebtDiscountsAndPremiumsDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_3E6DA5F199FBEC47252254E35E54BE30" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="loc_us-gaap_DebtInstrumentTable_6F8E9F4BA65B3E4581F454E35E55A91C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_3E6DA5F199FBEC47252254E35E54BE30" xlink:to="loc_us-gaap_DebtInstrumentTable_6F8E9F4BA65B3E4581F454E35E55A91C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_43548E5448A71606C0BD54E35E55537D" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6F8E9F4BA65B3E4581F454E35E55A91C" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_43548E5448A71606C0BD54E35E55537D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_2DB6DCBA11F6855D481854E35E55F9EA" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_43548E5448A71606C0BD54E35E55537D" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_2DB6DCBA11F6855D481854E35E55F9EA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SeniorNotesMember" xlink:label="loc_us-gaap_SeniorNotesMember_632A6021C551856C47C954E35E56F00D" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_2DB6DCBA11F6855D481854E35E55F9EA" xlink:to="loc_us-gaap_SeniorNotesMember_632A6021C551856C47C954E35E56F00D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalLeaseObligationsMember" xlink:label="loc_us-gaap_CapitalLeaseObligationsMember_1B4320E83167D52C577954E35E56683E" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_2DB6DCBA11F6855D481854E35E55F9EA" xlink:to="loc_us-gaap_CapitalLeaseObligationsMember_1B4320E83167D52C577954E35E56683E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="loc_us-gaap_DebtInstrumentAxis_B8A746719997A83B5E7154E35E566469" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6F8E9F4BA65B3E4581F454E35E55A91C" xlink:to="loc_us-gaap_DebtInstrumentAxis_B8A746719997A83B5E7154E35E566469" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_B8A746719997A83B5E7154E35E566469" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDueMarch2018Member" xlink:label="loc_schw_SeniorNotesDueMarch2018Member_B62CDF475EB29500F46954E35E570E2F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:to="loc_schw_SeniorNotesDueMarch2018Member_B62CDF475EB29500F46954E35E570E2F" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDueJuly2018Member" xlink:label="loc_schw_SeniorNotesDueJuly2018Member_EF221DAA1ACEA647A7DE54E35E57B10A" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:to="loc_schw_SeniorNotesDueJuly2018Member_EF221DAA1ACEA647A7DE54E35E57B10A" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDue2020Member" xlink:label="loc_schw_SeniorNotesDue2020Member_EE3EA94BA9F85279542754E35E57F2CA" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:to="loc_schw_SeniorNotesDue2020Member_EE3EA94BA9F85279542754E35E57F2CA" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDue2021Member" xlink:label="loc_schw_SeniorNotesDue2021Member_E14E088C66A85895811D54E35E57D4AB" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:to="loc_schw_SeniorNotesDue2021Member_E14E088C66A85895811D54E35E57D4AB" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDue2022Member" xlink:label="loc_schw_SeniorNotesDue2022Member_16087285D0B72CD9D19A54E35E576B82" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:to="loc_schw_SeniorNotesDue2022Member_16087285D0B72CD9D19A54E35E576B82" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDue2023Member" xlink:label="loc_schw_SeniorNotesDue2023Member_96AE082D05EC05C55AEC54E35E580815" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:to="loc_schw_SeniorNotesDue2023Member_96AE082D05EC05C55AEC54E35E580815" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDue2025Member" xlink:label="loc_schw_SeniorNotesDue2025Member_54606F5CEA792E94015554E35E58A5C4" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:to="loc_schw_SeniorNotesDue2025Member_54606F5CEA792E94015554E35E58A5C4" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDueMay2025Member" xlink:label="loc_schw_SeniorNotesDueMay2025Member_6FAC7CB9B8D8B536395254E35E58D0EE" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:to="loc_schw_SeniorNotesDueMay2025Member_6FAC7CB9B8D8B536395254E35E58D0EE" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDue2026Member" xlink:label="loc_schw_SeniorNotesDue2026Member_CBEF05879323FEF9805554E35E5832AA" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:to="loc_schw_SeniorNotesDue2026Member_CBEF05879323FEF9805554E35E5832AA" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDue2027Member" xlink:label="loc_schw_SeniorNotesDue2027Member_C5A453634A6BBF1B512554E35E5860E2" xlink:type="locator" />
    <link:presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:to="loc_schw_SeniorNotesDue2027Member_C5A453634A6BBF1B512554E35E5860E2" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDue2028Member" xlink:label="loc_schw_SeniorNotesDue2028Member_7E769D54C171132FBAF754E35E59E2E3" xlink:type="locator" />
    <link:presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:to="loc_schw_SeniorNotesDue2028Member_7E769D54C171132FBAF754E35E59E2E3" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FloatingRateSeniorNotesDue2021Member" xlink:label="loc_schw_FloatingRateSeniorNotesDue2021Member_A694EAE03B2D8278311854E35E591561" xlink:type="locator" />
    <link:presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_6A8195D53E69FDD1166654E35E56D301" xlink:to="loc_schw_FloatingRateSeniorNotesDue2021Member_A694EAE03B2D8278311854E35E591561" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_VariableRateAxis" xlink:label="loc_us-gaap_VariableRateAxis_C8710FC7C7897EDF4DCF54E35E59CE51" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6F8E9F4BA65B3E4581F454E35E55A91C" xlink:to="loc_us-gaap_VariableRateAxis_C8710FC7C7897EDF4DCF54E35E59CE51" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_VariableRateDomain" xlink:label="loc_us-gaap_VariableRateDomain_7F0D10FB98747C785B4054E35E595DC4" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateAxis_C8710FC7C7897EDF4DCF54E35E59CE51" xlink:to="loc_us-gaap_VariableRateDomain_7F0D10FB98747C785B4054E35E595DC4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:label="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_066A691349C6C44FF84754E35E590EFE" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_7F0D10FB98747C785B4054E35E595DC4" xlink:to="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_066A691349C6C44FF84754E35E590EFE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_F6563D05DB2995C02C4654E35E5A75CF" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6F8E9F4BA65B3E4581F454E35E55A91C" xlink:to="loc_us-gaap_DebtInstrumentLineItems_F6563D05DB2995C02C4654E35E5A75CF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_A720466A51D77241BA7D54E35E5AD8DC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6563D05DB2995C02C4654E35E5A75CF" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_A720466A51D77241BA7D54E35E5AD8DC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_6506B6CD10E082CEDEF354E35E5A633A" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6563D05DB2995C02C4654E35E5A75CF" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_6506B6CD10E082CEDEF354E35E5A633A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SeniorNotes" xlink:label="loc_us-gaap_SeniorNotes_32A752D3B48172EBA7FF54E35E5AC601" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6563D05DB2995C02C4654E35E5A75CF" xlink:to="loc_us-gaap_SeniorNotes_32A752D3B48172EBA7FF54E35E5AC601" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalLeaseObligations" xlink:label="loc_us-gaap_CapitalLeaseObligations_85AA0871AE5E5D27E54554E35E5B5BE3" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6563D05DB2995C02C4654E35E5A75CF" xlink:to="loc_us-gaap_CapitalLeaseObligations_85AA0871AE5E5D27E54554E35E5B5BE3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentUnamortizedDiscount" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_BAD74FD08641AE23383B54E35E5BFE86" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6563D05DB2995C02C4654E35E5A75CF" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_BAD74FD08641AE23383B54E35E5BFE86" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredFinanceCostsNet" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_568F171E98F4D10E2CAA54E35E5BD9C5" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6563D05DB2995C02C4654E35E5A75CF" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_568F171E98F4D10E2CAA54E35E5BD9C5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligations" xlink:label="loc_us-gaap_LongTermDebtAndCapitalLeaseObligations_8017FEEF5278A49C409754E35E5BBA33" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6563D05DB2995C02C4654E35E5A75CF" xlink:to="loc_us-gaap_LongTermDebtAndCapitalLeaseObligations_8017FEEF5278A49C409754E35E5BBA33" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CapitalLeaseObligationsTerm" xlink:label="loc_schw_CapitalLeaseObligationsTerm_F65D3387BBF310FEEE8154E35E5B9D94" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_F6563D05DB2995C02C4654E35E5A75CF" xlink:to="loc_schw_CapitalLeaseObligationsTerm_F65D3387BBF310FEEE8154E35E5B9D94" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BorrowingsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_4B1D1CFA27B67FBA90307DA1D7EA99E2" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LineOfCreditFacilityTable" xlink:label="loc_us-gaap_LineOfCreditFacilityTable_6989447F2B4AB50142DC7DA1D7EF55F8" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_4B1D1CFA27B67FBA90307DA1D7EA99E2" xlink:to="loc_us-gaap_LineOfCreditFacilityTable_6989447F2B4AB50142DC7DA1D7EF55F8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_FC50E45585C084A5B8567DA1D7F0B2EE" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_6989447F2B4AB50142DC7DA1D7EF55F8" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_FC50E45585C084A5B8567DA1D7F0B2EE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_C6E6D13F193834F933327DA1D7F0C014" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_FC50E45585C084A5B8567DA1D7F0B2EE" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_C6E6D13F193834F933327DA1D7F0C014" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMember" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_E890CFCF23625EC3CCCD7DA1D7F01107" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_C6E6D13F193834F933327DA1D7F0C014" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_E890CFCF23625EC3CCCD7DA1D7F01107" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CreditFacilityAxis" xlink:label="loc_us-gaap_CreditFacilityAxis_2FF22FEB7A6AA05C58B57DA1D7F0A516" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_6989447F2B4AB50142DC7DA1D7EF55F8" xlink:to="loc_us-gaap_CreditFacilityAxis_2FF22FEB7A6AA05C58B57DA1D7F0A516" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CreditFacilityDomain" xlink:label="loc_us-gaap_CreditFacilityDomain_BB391121CC5AADA47D747DA1D7F17486" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityAxis_2FF22FEB7A6AA05C58B57DA1D7F0A516" xlink:to="loc_us-gaap_CreditFacilityDomain_BB391121CC5AADA47D747DA1D7F17486" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuredDebtMember" xlink:label="loc_us-gaap_SecuredDebtMember_11639F85DF8DB220C8257DA1D7F1969C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditFacilityDomain_BB391121CC5AADA47D747DA1D7F17486" xlink:to="loc_us-gaap_SecuredDebtMember_11639F85DF8DB220C8257DA1D7F1969C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LineOfCreditFacilityLineItems" xlink:label="loc_us-gaap_LineOfCreditFacilityLineItems_F483FC4107731B3E32647DA1D7F29264" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_6989447F2B4AB50142DC7DA1D7EF55F8" xlink:to="loc_us-gaap_LineOfCreditFacilityLineItems_F483FC4107731B3E32647DA1D7F29264" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LineOfCredit" xlink:label="loc_us-gaap_LineOfCredit_3E6E24E34AD0FB73C1057DA1D7F250A2" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_F483FC4107731B3E32647DA1D7F29264" xlink:to="loc_us-gaap_LineOfCredit_3E6E24E34AD0FB73C1057DA1D7F250A2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity" xlink:label="loc_us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity_86DD3E25E3C936C2D09B7DA1D7F2E557" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_F483FC4107731B3E32647DA1D7F29264" xlink:to="loc_us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity_86DD3E25E3C936C2D09B7DA1D7F2E557" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankStock" xlink:label="loc_us-gaap_FederalHomeLoanBankStock_7D26DF9D7E9A8D1426C07DA1D7F34B7A" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_F483FC4107731B3E32647DA1D7F29264" xlink:to="loc_us-gaap_FederalHomeLoanBankStock_7D26DF9D7E9A8D1426C07DA1D7F34B7A" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/BorrowingsTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract_920DB3B15743C5ACAB4854E35E6120C6" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfDebtTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfDebtTableTextBlock_0EAD77B005473B79283C54E35E615478" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_920DB3B15743C5ACAB4854E35E6120C6" xlink:to="loc_us-gaap_ScheduleOfDebtTableTextBlock_0EAD77B005473B79283C54E35E615478" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_B0081B458EAC66E69F4254E35E6195D5" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_920DB3B15743C5ACAB4854E35E6120C6" xlink:to="loc_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_B0081B458EAC66E69F4254E35E6195D5" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/CommitmentsAndContingencies" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_47AE8D57F577C20C4CB254E35DF95749" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_02F9868EDE5F4185F8C154E35DF96C8A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_47AE8D57F577C20C4CB254E35DF95749" xlink:to="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_02F9868EDE5F4185F8C154E35DF96C8A" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/CommitmentsAndContingenciesCommitmentsToExtendPurchaseDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_D0EBB91B6CD3770CA229D652AC74A00D" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2C711D94AC0EF7022810D652AC74A8E0" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_D0EBB91B6CD3770CA229D652AC74A00D" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2C711D94AC0EF7022810D652AC74A8E0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3405FA015B76D0DE96F1D652AC75815B" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2C711D94AC0EF7022810D652AC74A8E0" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3405FA015B76D0DE96F1D652AC75815B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_A5B59ED4EBBBC5E800B0D652AC7532BF" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3405FA015B76D0DE96F1D652AC75815B" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_A5B59ED4EBBBC5E800B0D652AC7532BF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FirstMortgageMember" xlink:label="loc_us-gaap_FirstMortgageMember_5E8DEF98E64EF7AB5A70D652AC75BD0D" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_A5B59ED4EBBBC5E800B0D652AC7532BF" xlink:to="loc_us-gaap_FirstMortgageMember_5E8DEF98E64EF7AB5A70D652AC75BD0D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HomeEquityMember" xlink:label="loc_us-gaap_HomeEquityMember_6C7E6238A9EC5266960FD652AC76C9CB" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_A5B59ED4EBBBC5E800B0D652AC7532BF" xlink:to="loc_us-gaap_HomeEquityMember_6C7E6238A9EC5266960FD652AC76C9CB" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_HomeEquityLoansAndLinesOfCreditPledgedAssetLinesAndOtherLinesOfCreditMember" xlink:label="loc_schw_HomeEquityLoansAndLinesOfCreditPledgedAssetLinesAndOtherLinesOfCreditMember_9487E0AA1262A758B842D652AC769016" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_A5B59ED4EBBBC5E800B0D652AC7532BF" xlink:to="loc_schw_HomeEquityLoansAndLinesOfCreditPledgedAssetLinesAndOtherLinesOfCreditMember_9487E0AA1262A758B842D652AC769016" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_B4C6EE637EBA77AFDFD0D652AC76A450" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2C711D94AC0EF7022810D652AC74A8E0" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_B4C6EE637EBA77AFDFD0D652AC76A450" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_LoansAndLeasesReceivablePurchasedDuringPeriod" xlink:label="loc_schw_LoansAndLeasesReceivablePurchasedDuringPeriod_3682D7D1F010E6096B53D65CCADD1B6F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_B4C6EE637EBA77AFDFD0D652AC76A450" xlink:to="loc_schw_LoansAndLeasesReceivablePurchasedDuringPeriod_3682D7D1F010E6096B53D65CCADD1B6F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnusedCommitmentsToExtendCredit" xlink:label="loc_us-gaap_UnusedCommitmentsToExtendCredit_5FDD16A5EBED08E212F8D652AC77CF36" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_B4C6EE637EBA77AFDFD0D652AC76A450" xlink:to="loc_us-gaap_UnusedCommitmentsToExtendCredit_5FDD16A5EBED08E212F8D652AC77CF36" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableCommitmentsToPurchaseOrSell" xlink:label="loc_us-gaap_LoansAndLeasesReceivableCommitmentsToPurchaseOrSell_B74FA54EFDEC5948E006D65CF861F8B6" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_B4C6EE637EBA77AFDFD0D652AC76A450" xlink:to="loc_us-gaap_LoansAndLeasesReceivableCommitmentsToPurchaseOrSell_B74FA54EFDEC5948E006D65CF861F8B6" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/CommitmentsAndContingenciesDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_4517717A9BF3360B22A854CF9235A907" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LossContingenciesTable" xlink:label="loc_us-gaap_LossContingenciesTable_9D1721D382D9EB37596654CF92354EA0" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_4517717A9BF3360B22A854CF9235A907" xlink:to="loc_us-gaap_LossContingenciesTable_9D1721D382D9EB37596654CF92354EA0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:label="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_97CA280AC583563F503A54CF923648E1" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_9D1721D382D9EB37596654CF92354EA0" xlink:to="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_97CA280AC583563F503A54CF923648E1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LossContingencyNatureDomain" xlink:label="loc_us-gaap_LossContingencyNatureDomain_99CE588301545A5A08BD54CF923609A2" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesByNatureOfContingencyAxis_97CA280AC583563F503A54CF923648E1" xlink:to="loc_us-gaap_LossContingencyNatureDomain_99CE588301545A5A08BD54CF923609A2" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_MarginRequirementsMember" xlink:label="loc_schw_MarginRequirementsMember_BE8702FD50516A05AFFE54CF923601EE" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingencyNatureDomain_99CE588301545A5A08BD54CF923609A2" xlink:to="loc_schw_MarginRequirementsMember_BE8702FD50516A05AFFE54CF923601EE" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_BondMarketFundLitigationMember" xlink:label="loc_schw_BondMarketFundLitigationMember_87EB0E24957E002F234D54CF9237EE8B" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingencyNatureDomain_99CE588301545A5A08BD54CF923609A2" xlink:to="loc_schw_BondMarketFundLitigationMember_87EB0E24957E002F234D54CF9237EE8B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsByNatureAxis" xlink:label="loc_us-gaap_GuaranteeObligationsByNatureAxis_E0BC9DE906333F88F5F454CF92371931" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_9D1721D382D9EB37596654CF92354EA0" xlink:to="loc_us-gaap_GuaranteeObligationsByNatureAxis_E0BC9DE906333F88F5F454CF92371931" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsNatureDomain" xlink:label="loc_us-gaap_GuaranteeObligationsNatureDomain_AC19F145D11A08D34A0B54CF92375FC6" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsByNatureAxis_E0BC9DE906333F88F5F454CF92371931" xlink:to="loc_us-gaap_GuaranteeObligationsNatureDomain_AC19F145D11A08D34A0B54CF92375FC6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PerformanceGuaranteeMember" xlink:label="loc_us-gaap_PerformanceGuaranteeMember_7F332EF56D97270B6CDF54CF9237B8DE" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsNatureDomain_AC19F145D11A08D34A0B54CF92375FC6" xlink:to="loc_us-gaap_PerformanceGuaranteeMember_7F332EF56D97270B6CDF54CF9237B8DE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByAssetClassAxis" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_0F774F8BC9700CB5061C54CF92381906" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_9D1721D382D9EB37596654CF92354EA0" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_0F774F8BC9700CB5061C54CF92381906" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_014BD28642E4EB9ABA3E54CF923880DE" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_0F774F8BC9700CB5061C54CF92381906" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_014BD28642E4EB9ABA3E54CF923880DE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageBackedSecuritiesMember" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_2B73E09213F1A974BF3554CF92389EB3" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_014BD28642E4EB9ABA3E54CF923880DE" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_2B73E09213F1A974BF3554CF92389EB3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LossContingenciesLineItems" xlink:label="loc_us-gaap_LossContingenciesLineItems_B51FB3151589FE4A4AAD54CF92393F1D" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesTable_9D1721D382D9EB37596654CF92354EA0" xlink:to="loc_us-gaap_LossContingenciesLineItems_B51FB3151589FE4A4AAD54CF92393F1D" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_LetterofCreditCurrentBorrowingCapacity" xlink:label="loc_schw_LetterofCreditCurrentBorrowingCapacity_D911C2037B4C100105E654CF9239C48D" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_B51FB3151589FE4A4AAD54CF92393F1D" xlink:to="loc_schw_LetterofCreditCurrentBorrowingCapacity_D911C2037B4C100105E654CF9239C48D" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_LongtermLetterofCredit" xlink:label="loc_schw_LongtermLetterofCredit_49250CED6ECBA698DF8754CF92397220" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_B51FB3151589FE4A4AAD54CF92393F1D" xlink:to="loc_schw_LongtermLetterofCredit_49250CED6ECBA698DF8754CF92397220" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:label="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue_5EB2F159E07C35259DAA54CF9239A5C4" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_B51FB3151589FE4A4AAD54CF92393F1D" xlink:to="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue_5EB2F159E07C35259DAA54CF9239A5C4" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_MaximumAmountofFundAssetsAllowableWithoutObtainingFundholderVotePercentage" xlink:label="loc_schw_MaximumAmountofFundAssetsAllowableWithoutObtainingFundholderVotePercentage_C04FE1549C5B249013B154CF923AC832" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LossContingenciesLineItems_B51FB3151589FE4A4AAD54CF92393F1D" xlink:to="loc_schw_MaximumAmountofFundAssetsAllowableWithoutObtainingFundholderVotePercentage_C04FE1549C5B249013B154CF923AC832" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/CommitmentsAndContingenciesTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_4598BC742654A353A72E54E35DF12102" xlink:type="locator" />
    <link:loc xlink:href="schw-20180930.xsd#schw_ScheduleofLoansandLeasesReceivableCommitmentstoPurchaseorSellTableTextBlock" xlink:label="loc_schw_ScheduleofLoansandLeasesReceivableCommitmentstoPurchaseorSellTableTextBlock_AE0D93BFCD413D5ECE8B54E35DF1A2A1" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_4598BC742654A353A72E54E35DF12102" xlink:to="loc_schw_ScheduleofLoansandLeasesReceivableCommitmentstoPurchaseorSellTableTextBlock_AE0D93BFCD413D5ECE8B54E35DF1A2A1" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/CondensedConsolidatedBalanceSheets" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_BCDB8DE879EC023D9F68ACE46AF4BFEA" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_BCDB8DE879EC023D9F68ACE46AF4BFEA" xlink:to="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_6919B567B499E6334757ACE46AF40318" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_6919B567B499E6334757ACE46AF40318" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulations" xlink:label="loc_us-gaap_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulations_5C93252F44F08088067EACE46AF52DAB" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:to="loc_us-gaap_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulations_5C93252F44F08088067EACE46AF52DAB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesFromBrokersDealersAndClearingOrganizations" xlink:label="loc_us-gaap_ReceivablesFromBrokersDealersAndClearingOrganizations_44753D2E3FFC50086F85ACE46AF5BDA2" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:to="loc_us-gaap_ReceivablesFromBrokersDealersAndClearingOrganizations_44753D2E3FFC50086F85ACE46AF5BDA2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ReceivablesFromCustomers" xlink:label="loc_us-gaap_ReceivablesFromCustomers_D1407C5F304A7174578BACE46AF5C7CF" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:to="loc_us-gaap_ReceivablesFromCustomers_D1407C5F304A7174578BACE46AF5C7CF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentsOwnedAtFairValue" xlink:label="loc_us-gaap_FinancialInstrumentsOwnedAtFairValue_316BC6E32CC4D257CA22ACE46AF5FD62" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:to="loc_us-gaap_FinancialInstrumentsOwnedAtFairValue_316BC6E32CC4D257CA22ACE46AF5FD62" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_DA8D47E90A243C3CBB20ACE46AF5348D" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_DA8D47E90A243C3CBB20ACE46AF5348D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="loc_us-gaap_HeldToMaturitySecurities_1378FE96EF2517EF78F0ACE46AF63A4E" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:to="loc_us-gaap_HeldToMaturitySecurities_1378FE96EF2517EF78F0ACE46AF63A4E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmount_A84FC6E677460D027F6DACE46AF6BBF5" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:to="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmount_A84FC6E677460D027F6DACE46AF6BBF5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_9F1125AF4CDB8221F559ACE46AF62694" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_9F1125AF4CDB8221F559ACE46AF62694" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill_198B97E91FB38CC79B08ACE46AF6701F" xlink:type="locator" />
    <link:presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:to="loc_us-gaap_Goodwill_198B97E91FB38CC79B08ACE46AF6701F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaap_OtherAssets_F40D65BB2784722AD08AACE46AF6F75D" xlink:type="locator" />
    <link:presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:to="loc_us-gaap_OtherAssets_F40D65BB2784722AD08AACE46AF6F75D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets_D3A3383B1C0D66B2F480ACE46AF7B5B2" xlink:type="locator" />
    <link:presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_47B00FC3B94416EBFDB1ACE46AF49F46" xlink:to="loc_us-gaap_Assets_D3A3383B1C0D66B2F480ACE46AF7B5B2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_DE588B24B917C82EEC0CACE46AF7F5B3" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_BCDB8DE879EC023D9F68ACE46AF4BFEA" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_DE588B24B917C82EEC0CACE46AF7F5B3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Deposits" xlink:label="loc_us-gaap_Deposits_E12666F09979E2B0AE7DACE46AF73509" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_DE588B24B917C82EEC0CACE46AF7F5B3" xlink:to="loc_us-gaap_Deposits_E12666F09979E2B0AE7DACE46AF73509" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PayablesToBrokerDealersAndClearingOrganizations" xlink:label="loc_us-gaap_PayablesToBrokerDealersAndClearingOrganizations_D59BC548085D17CBD8BCACE46AF77A02" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_DE588B24B917C82EEC0CACE46AF7F5B3" xlink:to="loc_us-gaap_PayablesToBrokerDealersAndClearingOrganizations_D59BC548085D17CBD8BCACE46AF77A02" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PayablesToCustomers" xlink:label="loc_us-gaap_PayablesToCustomers_D7E1454C232C940796B0ACE46AF71AFD" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_DE588B24B917C82EEC0CACE46AF7F5B3" xlink:to="loc_us-gaap_PayablesToCustomers_D7E1454C232C940796B0ACE46AF71AFD" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccruedLiabilitiesCurrentAndNoncurrent" xlink:label="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_EDA481A79E7AAE2B40DFACE46AF891BC" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_DE588B24B917C82EEC0CACE46AF7F5B3" xlink:to="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_EDA481A79E7AAE2B40DFACE46AF891BC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="loc_us-gaap_ShortTermBorrowings_91D111EB37F925CAA489ACE46AF826D4" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_DE588B24B917C82EEC0CACE46AF7F5B3" xlink:to="loc_us-gaap_ShortTermBorrowings_91D111EB37F925CAA489ACE46AF826D4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligations" xlink:label="loc_us-gaap_LongTermDebtAndCapitalLeaseObligations_A907E7E2E2B50275D7A4ACE46AF86774" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_DE588B24B917C82EEC0CACE46AF7F5B3" xlink:to="loc_us-gaap_LongTermDebtAndCapitalLeaseObligations_A907E7E2E2B50275D7A4ACE46AF86774" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_us-gaap_Liabilities_8660AE0103EC39BAEA62ACE46AF89766" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_DE588B24B917C82EEC0CACE46AF7F5B3" xlink:to="loc_us-gaap_Liabilities_8660AE0103EC39BAEA62ACE46AF89766" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="loc_us-gaap_StockholdersEquityAbstract_A0E7956B55B85BEAB409ACE46AF86C4F" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_DE588B24B917C82EEC0CACE46AF7F5B3" xlink:to="loc_us-gaap_StockholdersEquityAbstract_A0E7956B55B85BEAB409ACE46AF86C4F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="loc_us-gaap_PreferredStockValue_A0564106989CA39634AEACE46AF94252" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_A0E7956B55B85BEAB409ACE46AF86C4F" xlink:to="loc_us-gaap_PreferredStockValue_A0564106989CA39634AEACE46AF94252" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockValue" xlink:label="loc_us-gaap_CommonStockValue_FE9CAF71756AAD6FC528ACE46AF9A84A" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_A0E7956B55B85BEAB409ACE46AF86C4F" xlink:to="loc_us-gaap_CommonStockValue_FE9CAF71756AAD6FC528ACE46AF9A84A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="loc_us-gaap_AdditionalPaidInCapital_CF198D6982C8B7789B1AACE46AF97DEB" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_A0E7956B55B85BEAB409ACE46AF86C4F" xlink:to="loc_us-gaap_AdditionalPaidInCapital_CF198D6982C8B7789B1AACE46AF97DEB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_4B8BBBC9E4A8DB59FA33ACE46AF90401" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_A0E7956B55B85BEAB409ACE46AF86C4F" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_4B8BBBC9E4A8DB59FA33ACE46AF90401" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="loc_us-gaap_TreasuryStockValue_2E4B9A452DDBD84B533EACE46AFA8926" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" priority="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_A0E7956B55B85BEAB409ACE46AF86C4F" xlink:to="loc_us-gaap_TreasuryStockValue_2E4B9A452DDBD84B533EACE46AFA8926" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_BC97244229DC3C415A53ACE46AFA0765" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_A0E7956B55B85BEAB409ACE46AF86C4F" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_BC97244229DC3C415A53ACE46AFA0765" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_us-gaap_StockholdersEquity_8503CF5D1B09FDFA8050ACE46AFA9486" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_A0E7956B55B85BEAB409ACE46AF86C4F" xlink:to="loc_us-gaap_StockholdersEquity_8503CF5D1B09FDFA8050ACE46AFA9486" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_77B0A443E50878F28941ACE46AFB8797" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_DE588B24B917C82EEC0CACE46AF7F5B3" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_77B0A443E50878F28941ACE46AFB8797" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/CondensedConsolidatedBalanceSheetsParenthetical" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_9EF1647FEC5B5689A126B26CBED9AB7B" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_40E41233CBFD944B06C6B26CBED9FF94" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_9EF1647FEC5B5689A126B26CBED9AB7B" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_40E41233CBFD944B06C6B26CBED9FF94" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockParOrStatedValuePerShare" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_3E65FB5A31254ECC06AEB26CBEDA8BF8" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_9EF1647FEC5B5689A126B26CBED9AB7B" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_3E65FB5A31254ECC06AEB26CBEDA8BF8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockLiquidationPreferenceValue" xlink:label="loc_us-gaap_PreferredStockLiquidationPreferenceValue_533668BA20031E05FD11B26CBEDA3D2C" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_9EF1647FEC5B5689A126B26CBED9AB7B" xlink:to="loc_us-gaap_PreferredStockLiquidationPreferenceValue_533668BA20031E05FD11B26CBEDA3D2C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_2EE2E0E7BC2252A39629B26CBEDAADDE" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_9EF1647FEC5B5689A126B26CBED9AB7B" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_2EE2E0E7BC2252A39629B26CBEDAADDE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_CF13894645E925AC3319B26CBEDA3F3B" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_9EF1647FEC5B5689A126B26CBED9AB7B" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_CF13894645E925AC3319B26CBEDA3F3B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="loc_us-gaap_CommonStockSharesIssued_2AD61D7ED6389670DA05B26CBEDAB0C1" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_9EF1647FEC5B5689A126B26CBED9AB7B" xlink:to="loc_us-gaap_CommonStockSharesIssued_2AD61D7ED6389670DA05B26CBEDAB0C1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockShares" xlink:label="loc_us-gaap_TreasuryStockShares_70A2AADB2710C593901DB26CBEDB672B" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_9EF1647FEC5B5689A126B26CBED9AB7B" xlink:to="loc_us-gaap_TreasuryStockShares_70A2AADB2710C593901DB26CBEDB672B" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/CondensedConsolidatedStatementsOfCashFlows" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_06215A443BDFA7C67353C257AC8DC95E" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_464135ADC7E21454D8CCC257AC8D1B8C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_06215A443BDFA7C67353C257AC8DC95E" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_464135ADC7E21454D8CCC257AC8D1B8C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_D51364FB43B250DECC81C257AC8EE927" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_464135ADC7E21454D8CCC257AC8D1B8C" xlink:to="loc_us-gaap_NetIncomeLoss_D51364FB43B250DECC81C257AC8EE927" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1E0E3028B01F72B07BA6C257AC8E1CC9" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_464135ADC7E21454D8CCC257AC8D1B8C" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1E0E3028B01F72B07BA6C257AC8E1CC9" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="loc_us-gaap_ShareBasedCompensation_55979F315A0AC6D27964C257AC8F9E00" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1E0E3028B01F72B07BA6C257AC8E1CC9" xlink:to="loc_us-gaap_ShareBasedCompensation_55979F315A0AC6D27964C257AC8F9E00" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepreciationAndAmortization" xlink:label="loc_us-gaap_DepreciationAndAmortization_095D4390F9A77BDBA93CC257AC8F7777" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1E0E3028B01F72B07BA6C257AC8E1CC9" xlink:to="loc_us-gaap_DepreciationAndAmortization_095D4390F9A77BDBA93CC257AC8F7777" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:label="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_87EF770C78A9B34B1E1FC257AC8F7B88" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1E0E3028B01F72B07BA6C257AC8E1CC9" xlink:to="loc_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_87EF770C78A9B34B1E1FC257AC8F7B88" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherNoncashIncomeExpense" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_D3CA7BD30C40AE442168C257AC90F057" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1E0E3028B01F72B07BA6C257AC8E1CC9" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_D3CA7BD30C40AE442168C257AC90F057" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_390C843B442EB0D4E8B9C257AC906A76" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_1E0E3028B01F72B07BA6C257AC8E1CC9" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_390C843B442EB0D4E8B9C257AC906A76" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_IncreaseDecreaseInInvestmentsSegregatedAndDepositForRegulatoryPurposes" xlink:label="loc_schw_IncreaseDecreaseInInvestmentsSegregatedAndDepositForRegulatoryPurposes_9D58321A08272C5A0744C257AC90D6C1" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_390C843B442EB0D4E8B9C257AC906A76" xlink:to="loc_schw_IncreaseDecreaseInInvestmentsSegregatedAndDepositForRegulatoryPurposes_9D58321A08272C5A0744C257AC90D6C1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInBrokerageReceivables" xlink:label="loc_us-gaap_IncreaseDecreaseInBrokerageReceivables_F99B5C493AAEB10B589BC257AC91563D" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_390C843B442EB0D4E8B9C257AC906A76" xlink:to="loc_us-gaap_IncreaseDecreaseInBrokerageReceivables_F99B5C493AAEB10B589BC257AC91563D" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_IncreaseDecreaseInReceivablesFromBrokerageClients" xlink:label="loc_schw_IncreaseDecreaseInReceivablesFromBrokerageClients_6F2D8645022207546153C257AC91A37C" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_390C843B442EB0D4E8B9C257AC906A76" xlink:to="loc_schw_IncreaseDecreaseInReceivablesFromBrokerageClients_6F2D8645022207546153C257AC91A37C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities" xlink:label="loc_us-gaap_IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities_5CD95FC64DED3F4C0683C257AC911039" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_390C843B442EB0D4E8B9C257AC906A76" xlink:to="loc_us-gaap_IncreaseDecreaseInFinancialInstrumentsUsedInOperatingActivities_5CD95FC64DED3F4C0683C257AC911039" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_F1BA677FA070A267EE04C257AC92606C" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_390C843B442EB0D4E8B9C257AC906A76" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_F1BA677FA070A267EE04C257AC92606C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInPayablesToBrokerDealers" xlink:label="loc_us-gaap_IncreaseDecreaseInPayablesToBrokerDealers_83977D506BD367CFC0D5C257AC921E2C" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_390C843B442EB0D4E8B9C257AC906A76" xlink:to="loc_us-gaap_IncreaseDecreaseInPayablesToBrokerDealers_83977D506BD367CFC0D5C257AC921E2C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInPayablesToCustomers" xlink:label="loc_us-gaap_IncreaseDecreaseInPayablesToCustomers_95EE76B2A84CBCEA3CACC257AC926DEF" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_390C843B442EB0D4E8B9C257AC906A76" xlink:to="loc_us-gaap_IncreaseDecreaseInPayablesToCustomers_95EE76B2A84CBCEA3CACC257AC926DEF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilities" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_9EC63EDE476660ED7B81C257AC93C6AC" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_390C843B442EB0D4E8B9C257AC906A76" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilities_9EC63EDE476660ED7B81C257AC93C6AC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_512C4684DE7B094DB0EFC257AC936F97" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_464135ADC7E21454D8CCC257AC8D1B8C" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_512C4684DE7B094DB0EFC257AC936F97" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_06215A443BDFA7C67353C257AC8DC95E" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_E94B7781E4DA7A6697BBC257AC9430B7" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_E94B7781E4DA7A6697BBC257AC9430B7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_56CF0095EF289C189E25C257AC956E5C" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_56CF0095EF289C189E25C257AC956E5C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_154AB72979064CC46F41C257AC95BFEA" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_154AB72979064CC46F41C257AC95BFEA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:label="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_30164F366BF4A2DCA6CFC257AC957C92" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:to="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_30164F366BF4A2DCA6CFC257AC957C92" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_3ED7DA5DA55A67364038C257AC9543D0" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_3ED7DA5DA55A67364038C257AC9543D0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="loc_us-gaap_PaymentsForProceedsFromLoansAndLeases_2B5974A40236F9CF90F7C257AC96CD44" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" priority="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:to="loc_us-gaap_PaymentsForProceedsFromLoansAndLeases_2B5974A40236F9CF90F7C257AC96CD44" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_81219D5A5FACC306CE6EC257AC96B3F0" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_81219D5A5FACC306CE6EC257AC96B3F0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsToAcquireFederalHomeLoanBankStock" xlink:label="loc_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_08F30C062558178D96B1C257AC963E22" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:to="loc_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_08F30C062558178D96B1C257AC963E22" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock" xlink:label="loc_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_D05B713F8DE376A0C751C257AC969D57" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:to="loc_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_D05B713F8DE376A0C751C257AC969D57" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_C35A93218179B142C281C257AC9770C3" xlink:type="locator" />
    <link:presentationArc order="10" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_C35A93218179B142C281C257AC9770C3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_D7D29715DD7EF3AC66EDC257AC97E792" xlink:type="locator" />
    <link:presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_BC15987AE9EDE9A5E748C257AC93F1AE" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_D7D29715DD7EF3AC66EDC257AC97E792" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_DCF4623A2181D84C8FBEC257AC9744EF" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_06215A443BDFA7C67353C257AC8DC95E" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_DCF4623A2181D84C8FBEC257AC9744EF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="loc_us-gaap_IncreaseDecreaseInDeposits_3BFFA21CAF931A9D6B44C257AC97A202" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_DCF4623A2181D84C8FBEC257AC9744EF" xlink:to="loc_us-gaap_IncreaseDecreaseInDeposits_3BFFA21CAF931A9D6B44C257AC97A202" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_7ED4DFCA6ADF78C031CFC257AC970440" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_DCF4623A2181D84C8FBEC257AC9744EF" xlink:to="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_7ED4DFCA6ADF78C031CFC257AC970440" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_9AC17925CB820B8FDDC3C257AC982E8F" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_DCF4623A2181D84C8FBEC257AC9744EF" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_9AC17925CB820B8FDDC3C257AC982E8F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RepaymentsOfLongTermDebt" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_55A9700C805E8AE0D80DC257AC9859D3" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_DCF4623A2181D84C8FBEC257AC9744EF" xlink:to="loc_us-gaap_RepaymentsOfLongTermDebt_55A9700C805E8AE0D80DC257AC9859D3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="loc_us-gaap_PaymentsOfDividends_BD0D00CB6E0ED883C134C257AC984B64" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_DCF4623A2181D84C8FBEC257AC9744EF" xlink:to="loc_us-gaap_PaymentsOfDividends_BD0D00CB6E0ED883C134C257AC984B64" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromStockOptionsExercised" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised_9A00065E7733CCAFA019C257AC989738" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_DCF4623A2181D84C8FBEC257AC9744EF" xlink:to="loc_us-gaap_ProceedsFromStockOptionsExercised_9A00065E7733CCAFA019C257AC989738" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:label="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_D1A956C2C877483F1FDDC257AC9885DB" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_DCF4623A2181D84C8FBEC257AC9744EF" xlink:to="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_D1A956C2C877483F1FDDC257AC9885DB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8C035E965D26C40F4B2DC257AC98B399" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_DCF4623A2181D84C8FBEC257AC9744EF" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_8C035E965D26C40F4B2DC257AC98B399" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_69938C958F5C7AF36930C257AC9931B4" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_06215A443BDFA7C67353C257AC8DC95E" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_69938C958F5C7AF36930C257AC9931B4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_B383C483587000E9D725C257AC99D203" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_06215A443BDFA7C67353C257AC8DC95E" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_B383C483587000E9D725C257AC99D203" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_196184061B06AA618BD4C257AC99AE5E" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_06215A443BDFA7C67353C257AC8DC95E" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_196184061B06AA618BD4C257AC99AE5E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdditionalCashFlowElementsAndSupplementalCashFlowInformationAbstract" xlink:label="loc_us-gaap_AdditionalCashFlowElementsAndSupplementalCashFlowInformationAbstract_4C6B4D76BB9E6ED3A1ADC257AC998B51" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_06215A443BDFA7C67353C257AC8DC95E" xlink:to="loc_us-gaap_AdditionalCashFlowElementsAndSupplementalCashFlowInformationAbstract_4C6B4D76BB9E6ED3A1ADC257AC998B51" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CashPaidDuringPeriodForAbstract" xlink:label="loc_schw_CashPaidDuringPeriodForAbstract_26B4C2BA136D3197EA1DC257AC9DC497" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdditionalCashFlowElementsAndSupplementalCashFlowInformationAbstract_4C6B4D76BB9E6ED3A1ADC257AC998B51" xlink:to="loc_schw_CashPaidDuringPeriodForAbstract_26B4C2BA136D3197EA1DC257AC9DC497" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestPaid" xlink:label="loc_us-gaap_InterestPaid_5B006CFF9987528D8673C257AC9E6B6C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_CashPaidDuringPeriodForAbstract_26B4C2BA136D3197EA1DC257AC9DC497" xlink:to="loc_us-gaap_InterestPaid_5B006CFF9987528D8673C257AC9E6B6C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:label="loc_us-gaap_IncomeTaxesPaid_F1B2E3918A9962EAB58DC257AC9EEB8E" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_CashPaidDuringPeriodForAbstract_26B4C2BA136D3197EA1DC257AC9DC497" xlink:to="loc_us-gaap_IncomeTaxesPaid_F1B2E3918A9962EAB58DC257AC9EEB8E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:label="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_95613C10B6ED3A30918CC257AC9F76DC" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdditionalCashFlowElementsAndSupplementalCashFlowInformationAbstract_4C6B4D76BB9E6ED3A1ADC257AC998B51" xlink:to="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_95613C10B6ED3A30918CC257AC9F76DC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransferToInvestments" xlink:label="loc_us-gaap_TransferToInvestments_6FE5CBBDE24D3B39D632C257AC9F8648" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoncashInvestingAndFinancingItemsAbstract_95613C10B6ED3A30918CC257AC9F76DC" xlink:to="loc_us-gaap_TransferToInvestments_6FE5CBBDE24D3B39D632C257AC9F8648" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/CondensedConsolidatedStatementsOfCashFlowsParenthetical" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_E56FCFFD1935EED651F554E35FED64BC" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_8B3E71064A20FE53D06F54E35FED0A4C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_E56FCFFD1935EED651F554E35FED64BC" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_8B3E71064A20FE53D06F54E35FED0A4C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_905918039925648F408A54E35FEDEABC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_8B3E71064A20FE53D06F54E35FED0A4C" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_905918039925648F408A54E35FEDEABC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_0AF182EE5D977605096354E35FEDA65E" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_8B3E71064A20FE53D06F54E35FED0A4C" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_0AF182EE5D977605096354E35FEDA65E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_FF22710835445E7D164954E35FEE99D3" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsAbstract_8B3E71064A20FE53D06F54E35FED0A4C" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_FF22710835445E7D164954E35FEE99D3" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/CondensedConsolidatedStatementsOfComprehensiveIncome" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_8A688061FD7665DD181854E3601D7BF0" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_613ED60354E0ECA5C1B454E3601DE613" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_8A688061FD7665DD181854E3601D7BF0" xlink:to="loc_us-gaap_NetIncomeLoss_613ED60354E0ECA5C1B454E3601DE613" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_C61F24F00044B6B8FD2454E3601DDF8F" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_8A688061FD7665DD181854E3601D7BF0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_C61F24F00044B6B8FD2454E3601DDF8F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract_2EC8F0E5ADEAB6815B2F54E3601D9763" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_C61F24F00044B6B8FD2454E3601DDF8F" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract_2EC8F0E5ADEAB6815B2F54E3601D9763" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_2F1BCE1842324FD274E654E3601E3801" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract_2EC8F0E5ADEAB6815B2F54E3601D9763" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_2F1BCE1842324FD274E654E3601E3801" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAvailableforsaletoHeldToMaturityBeforeTax" xlink:label="loc_schw_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAvailableforsaletoHeldToMaturityBeforeTax_F59090742F20EC562C9654E3601E8DFE" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract_2EC8F0E5ADEAB6815B2F54E3601D9763" xlink:to="loc_schw_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAvailableforsaletoHeldToMaturityBeforeTax_F59090742F20EC562C9654E3601E8DFE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_83CBA3C1C733E700E17954E3601EDD95" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract_2EC8F0E5ADEAB6815B2F54E3601D9763" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_83CBA3C1C733E700E17954E3601EDD95" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiBeforeTaxAfterAdjustmentsAttributableToParentAbstract" xlink:label="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiBeforeTaxAfterAdjustmentsAttributableToParentAbstract_D064AC6123E637F6A1F154E3601E4403" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_C61F24F00044B6B8FD2454E3601DDF8F" xlink:to="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiBeforeTaxAfterAdjustmentsAttributableToParentAbstract_D064AC6123E637F6A1F154E3601E4403" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveLossHeldtomaturitySecurityReclassificationAdjustmentfromSecuritiesTransferredfromAvailableforSaleBeforeTax" xlink:label="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityReclassificationAdjustmentfromSecuritiesTransferredfromAvailableforSaleBeforeTax_FBC3AEA757207150025B54E3601E6278" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiBeforeTaxAfterAdjustmentsAttributableToParentAbstract_D064AC6123E637F6A1F154E3601E4403" xlink:to="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityReclassificationAdjustmentfromSecuritiesTransferredfromAvailableforSaleBeforeTax_FBC3AEA757207150025B54E3601E6278" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveLossHeldtomaturitySecurityTransferredFromAvailableforSaleAmortizationBeforeTax" xlink:label="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityTransferredFromAvailableforSaleAmortizationBeforeTax_48DC51C485928B87917654E3601F45FA" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveLossHeldToMaturitySecurityOttiBeforeTaxAfterAdjustmentsAttributableToParentAbstract_D064AC6123E637F6A1F154E3601E4403" xlink:to="loc_schw_OtherComprehensiveLossHeldtomaturitySecurityTransferredFromAvailableforSaleAmortizationBeforeTax_48DC51C485928B87917654E3601F45FA" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherComprehensiveIncomeOtherBeforeTax" xlink:label="loc_schw_OtherComprehensiveIncomeOtherBeforeTax_F0495B4E6452803437E754E3601F3964" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_C61F24F00044B6B8FD2454E3601DDF8F" xlink:to="loc_schw_OtherComprehensiveIncomeOtherBeforeTax_F0495B4E6452803437E754E3601F3964" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_33745B4A8249824A639B54E3601F89F4" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPeriodIncreaseDecreaseAbstract_C61F24F00044B6B8FD2454E3601DDF8F" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTax_33745B4A8249824A639B54E3601F89F4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTax_F9A531374CF98D6DF2CE54E3601FAFE7" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_8A688061FD7665DD181854E3601D7BF0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTax_F9A531374CF98D6DF2CE54E3601FAFE7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_52FB6E82A72F1840AE2554E3601FAB64" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_8A688061FD7665DD181854E3601D7BF0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_52FB6E82A72F1840AE2554E3601FAB64" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_9DF2F1AD5D213D4ADE5254E3602016DC" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_8A688061FD7665DD181854E3601D7BF0" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTax_9DF2F1AD5D213D4ADE5254E3602016DC" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/CondensedConsolidatedStatementsOfIncome" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="loc_us-gaap_IncomeStatementAbstract_BFE16BBBB6F01D9717EF54E360255462" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="loc_us-gaap_RevenuesAbstract_EB0C763CC6B3A8EC0D2754E360267350" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_BFE16BBBB6F01D9717EF54E360255462" xlink:to="loc_us-gaap_RevenuesAbstract_EB0C763CC6B3A8EC0D2754E360267350" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestIncomeOperating" xlink:label="loc_us-gaap_InterestIncomeOperating_BAEE35AA75A08401682D54E360268566" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_EB0C763CC6B3A8EC0D2754E360267350" xlink:to="loc_us-gaap_InterestIncomeOperating_BAEE35AA75A08401682D54E360268566" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpense" xlink:label="loc_us-gaap_InterestExpense_4DDC5C459BFF5670C18854E36026A9F1" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_EB0C763CC6B3A8EC0D2754E360267350" xlink:to="loc_us-gaap_InterestExpense_4DDC5C459BFF5670C18854E36026A9F1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_D2CB9BBD8AFFA7DD6A3C54E3602754C5" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_EB0C763CC6B3A8EC0D2754E360267350" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_D2CB9BBD8AFFA7DD6A3C54E3602754C5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FeesAndCommissions" xlink:label="loc_us-gaap_FeesAndCommissions_A2D2632835ECB356CE9554E3602735F8" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_EB0C763CC6B3A8EC0D2754E360267350" xlink:to="loc_us-gaap_FeesAndCommissions_A2D2632835ECB356CE9554E3602735F8" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_TradingRevenue" xlink:label="loc_schw_TradingRevenue_3189AB123AC279C5AD5554E360276E9C" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_EB0C763CC6B3A8EC0D2754E360267350" xlink:to="loc_schw_TradingRevenue_3189AB123AC279C5AD5554E360276E9C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherIncome" xlink:label="loc_us-gaap_OtherIncome_668A41841FDFFC468D6854E36027F288" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_EB0C763CC6B3A8EC0D2754E360267350" xlink:to="loc_us-gaap_OtherIncome_668A41841FDFFC468D6854E36027F288" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues_9B869351E60248F4BB5E54E360279BDF" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_EB0C763CC6B3A8EC0D2754E360267350" xlink:to="loc_us-gaap_Revenues_9B869351E60248F4BB5E54E360279BDF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="loc_us-gaap_NoninterestExpenseAbstract_712ADD51CC478D8C5C5554E36028680B" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_BFE16BBBB6F01D9717EF54E360255462" xlink:to="loc_us-gaap_NoninterestExpenseAbstract_712ADD51CC478D8C5C5554E36028680B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="loc_us-gaap_LaborAndRelatedExpense_BEB77B82A4C689ECEB8554E36028338D" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_712ADD51CC478D8C5C5554E36028680B" xlink:to="loc_us-gaap_LaborAndRelatedExpense_BEB77B82A4C689ECEB8554E36028338D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProfessionalFees" xlink:label="loc_us-gaap_ProfessionalFees_A854F9C83D2E66422B4B54E3602864C8" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_712ADD51CC478D8C5C5554E36028680B" xlink:to="loc_us-gaap_ProfessionalFees_A854F9C83D2E66422B4B54E3602864C8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OccupancyNet" xlink:label="loc_us-gaap_OccupancyNet_9828934DD85DDC4CBF7E54E360285EFA" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_712ADD51CC478D8C5C5554E36028680B" xlink:to="loc_us-gaap_OccupancyNet_9828934DD85DDC4CBF7E54E360285EFA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MarketingAndAdvertisingExpense" xlink:label="loc_us-gaap_MarketingAndAdvertisingExpense_EDF0BA3DF4DA05F1FFF154E36028C9CD" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_712ADD51CC478D8C5C5554E36028680B" xlink:to="loc_us-gaap_MarketingAndAdvertisingExpense_EDF0BA3DF4DA05F1FFF154E36028C9CD" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Communication" xlink:label="loc_us-gaap_Communication_4A87BAB52711F871F59B54E36029002B" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_712ADD51CC478D8C5C5554E36028680B" xlink:to="loc_us-gaap_Communication_4A87BAB52711F871F59B54E36029002B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepreciationAndAmortization" xlink:label="loc_us-gaap_DepreciationAndAmortization_FCC9B99329B3E19DB01754E3602920F0" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_712ADD51CC478D8C5C5554E36028680B" xlink:to="loc_us-gaap_DepreciationAndAmortization_FCC9B99329B3E19DB01754E3602920F0" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_RegulatoryFeesAndAssessments" xlink:label="loc_schw_RegulatoryFeesAndAssessments_B8082C79D75A2C3FBF9554E36029B2E8" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_712ADD51CC478D8C5C5554E36028680B" xlink:to="loc_schw_RegulatoryFeesAndAssessments_B8082C79D75A2C3FBF9554E36029B2E8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherExpenses" xlink:label="loc_us-gaap_OtherExpenses_0D37D1BCF5059EEB432F54E36029BD3D" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_712ADD51CC478D8C5C5554E36028680B" xlink:to="loc_us-gaap_OtherExpenses_0D37D1BCF5059EEB432F54E36029BD3D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="loc_us-gaap_NoninterestExpense_E6DB1B37DADC7BCB9CB254E36029B076" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_712ADD51CC478D8C5C5554E36028680B" xlink:to="loc_us-gaap_NoninterestExpense_E6DB1B37DADC7BCB9CB254E36029B076" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_3EE27C7F19EFCE67757F54E360292A59" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_BFE16BBBB6F01D9717EF54E360255462" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_3EE27C7F19EFCE67757F54E360292A59" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_BFC3587C8CE53125B31354E3602AD97F" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_BFE16BBBB6F01D9717EF54E360255462" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_BFC3587C8CE53125B31354E3602AD97F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_50C6EE4C86C71A9ED77E54E3602A0D4C" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_BFE16BBBB6F01D9717EF54E360255462" xlink:to="loc_us-gaap_NetIncomeLoss_50C6EE4C86C71A9ED77E54E3602A0D4C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockDividendsAndOtherAdjustments" xlink:label="loc_us-gaap_PreferredStockDividendsAndOtherAdjustments_9FC3B1E540F8458F2E8C54E3602A647E" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_BFE16BBBB6F01D9717EF54E360255462" xlink:to="loc_us-gaap_PreferredStockDividendsAndOtherAdjustments_9FC3B1E540F8458F2E8C54E3602A647E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_9279B670403424DE963154E3602ABAC0" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_BFE16BBBB6F01D9717EF54E360255462" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_9279B670403424DE963154E3602ABAC0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_E0C8547F8AD631E953C754E3602A22C3" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_BFE16BBBB6F01D9717EF54E360255462" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_E0C8547F8AD631E953C754E3602A22C3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_644B6553CCB2232D573354E3602A0978" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_E0C8547F8AD631E953C754E3602A22C3" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_644B6553CCB2232D573354E3602A0978" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_FF43AAF50B731936132E54E3602B0A1F" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_E0C8547F8AD631E953C754E3602A22C3" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_FF43AAF50B731936132E54E3602B0A1F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="loc_us-gaap_EarningsPerShareAbstract_F685986389DEACCD0C2154E3602BAC65" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_BFE16BBBB6F01D9717EF54E360255462" xlink:to="loc_us-gaap_EarningsPerShareAbstract_F685986389DEACCD0C2154E3602BAC65" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="loc_us-gaap_EarningsPerShareBasic_37D9A64AF633692312EE54E3602B1E42" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_F685986389DEACCD0C2154E3602BAC65" xlink:to="loc_us-gaap_EarningsPerShareBasic_37D9A64AF633692312EE54E3602B1E42" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="loc_us-gaap_EarningsPerShareDiluted_A9603257950F14F82BCB54E3602B848A" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_F685986389DEACCD0C2154E3602BAC65" xlink:to="loc_us-gaap_EarningsPerShareDiluted_A9603257950F14F82BCB54E3602B848A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared_F8865FB8D3FEF83F5E0954E3602B6DCA" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_F685986389DEACCD0C2154E3602BAC65" xlink:to="loc_us-gaap_CommonStockDividendsPerShareDeclared_F8865FB8D3FEF83F5E0954E3602B6DCA" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/CondensedConsolidatedStatementsOfStockholdersEquity" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_40201CD26FF4EF8F488254E35FF3620C" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementTable" xlink:label="loc_us-gaap_StatementTable_95E69CC99E29C55E3C8854E35FF3DA13" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_40201CD26FF4EF8F488254E35FF3620C" xlink:to="loc_us-gaap_StatementTable_95E69CC99E29C55E3C8854E35FF3DA13" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_31690E7518AC1B897C1754E35FF4C0E3" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_95E69CC99E29C55E3C8854E35FF3DA13" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_31690E7518AC1B897C1754E35FF4C0E3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="loc_us-gaap_EquityComponentDomain_8C7B3BA53441B2C2035C54E35FF4C20E" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_31690E7518AC1B897C1754E35FF4C0E3" xlink:to="loc_us-gaap_EquityComponentDomain_8C7B3BA53441B2C2035C54E35FF4C20E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockMember" xlink:label="loc_us-gaap_PreferredStockMember_68BF8A6EDB6EAD74439954E35FF55E09" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_8C7B3BA53441B2C2035C54E35FF4C20E" xlink:to="loc_us-gaap_PreferredStockMember_68BF8A6EDB6EAD74439954E35FF55E09" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockMember" xlink:label="loc_us-gaap_CommonStockMember_95F61445F4FA88AC87C154E35FF5477B" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_8C7B3BA53441B2C2035C54E35FF4C20E" xlink:to="loc_us-gaap_CommonStockMember_95F61445F4FA88AC87C154E35FF5477B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_DCE6B068504812DBA04754E35FF5DF08" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_8C7B3BA53441B2C2035C54E35FF4C20E" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_DCE6B068504812DBA04754E35FF5DF08" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:label="loc_us-gaap_RetainedEarningsMember_7573B72A80C70DD98EF154E35FF592E7" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_8C7B3BA53441B2C2035C54E35FF4C20E" xlink:to="loc_us-gaap_RetainedEarningsMember_7573B72A80C70DD98EF154E35FF592E7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TreasuryStockMember" xlink:label="loc_us-gaap_TreasuryStockMember_DC83AA7F7CE3CDB2CBC954E35FF58731" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_8C7B3BA53441B2C2035C54E35FF4C20E" xlink:to="loc_us-gaap_TreasuryStockMember_DC83AA7F7CE3CDB2CBC954E35FF58731" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_0FF65F30BC5C95078CAE54E35FF66C97" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_8C7B3BA53441B2C2035C54E35FF4C20E" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_0FF65F30BC5C95078CAE54E35FF66C97" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:label="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_3A281BBE1D38E0C4148D54E35FF66B5B" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_95E69CC99E29C55E3C8854E35FF3DA13" xlink:to="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_3A281BBE1D38E0C4148D54E35FF66B5B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TypeOfAdoptionMember" xlink:label="loc_us-gaap_TypeOfAdoptionMember_F814F0C0279307A7C5F054E35FF6E73A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_3A281BBE1D38E0C4148D54E35FF66B5B" xlink:to="loc_us-gaap_TypeOfAdoptionMember_F814F0C0279307A7C5F054E35FF6E73A" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_AccountingStandardsUpdate201409And201802Member" xlink:label="loc_schw_AccountingStandardsUpdate201409And201802Member_EEB99641A944782E16D854E35FF68EDE" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfAdoptionMember_F814F0C0279307A7C5F054E35FF6E73A" xlink:to="loc_schw_AccountingStandardsUpdate201409And201802Member_EEB99641A944782E16D854E35FF68EDE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementLineItems" xlink:label="loc_us-gaap_StatementLineItems_913539C8F586F033E4A154E35FF68EB1" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_95E69CC99E29C55E3C8854E35FF3DA13" xlink:to="loc_us-gaap_StatementLineItems_913539C8F586F033E4A154E35FF68EB1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_913539C8F586F033E4A154E35FF68EB1" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_us-gaap_StockholdersEquity_0D26ACCC2B830FFCCA0954E35FF7FF80" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:to="loc_us-gaap_StockholdersEquity_0D26ACCC2B830FFCCA0954E35FF7FF80" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SharesOutstanding" xlink:label="loc_us-gaap_SharesOutstanding_F98961084816F8F6419A54E35FF709B6" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:to="loc_us-gaap_SharesOutstanding_F98961084816F8F6419A54E35FF709B6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption" xlink:label="loc_us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption_D02720997689600C086654E35FF744BA" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:to="loc_us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption_D02720997689600C086654E35FF744BA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_742E96F9E3E3908EEB5854E35FF8B237" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:to="loc_us-gaap_NetIncomeLoss_742E96F9E3E3908EEB5854E35FF8B237" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_ABD6C775B234995C73A454E35FF8A1BB" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_ABD6C775B234995C73A454E35FF8A1BB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DividendsPreferredStockCash" xlink:label="loc_us-gaap_DividendsPreferredStockCash_CE52A98BB97B17402D4854E35FF8B7AE" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:to="loc_us-gaap_DividendsPreferredStockCash_CE52A98BB97B17402D4854E35FF8B7AE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DividendsCommonStockCash" xlink:label="loc_us-gaap_DividendsCommonStockCash_5DB3E95574919A2619B554E35FF8DDE2" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:to="loc_us-gaap_DividendsCommonStockCash_5DB3E95574919A2619B554E35FF8DDE2" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_StockOptionExercisesAndOther" xlink:label="loc_schw_StockOptionExercisesAndOther_EFD44EC7CE8B189C3BC654E35FF8E4AB" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:to="loc_schw_StockOptionExercisesAndOther_EFD44EC7CE8B189C3BC654E35FF8E4AB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_7000953477293E53E7A054E35FF8C6F2" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_7000953477293E53E7A054E35FF8C6F2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityOther" xlink:label="loc_us-gaap_StockholdersEquityOther_E7224DA33DDB26B2083354E35FF9EF95" xlink:type="locator" />
    <link:presentationArc order="10" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:to="loc_us-gaap_StockholdersEquityOther_E7224DA33DDB26B2083354E35FF9EF95" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SharesOutstanding" xlink:label="loc_us-gaap_SharesOutstanding_3F9F2526D4AD0F6E834954E35FF93A74" xlink:type="locator" />
    <link:presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:to="loc_us-gaap_SharesOutstanding_3F9F2526D4AD0F6E834954E35FF93A74" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_us-gaap_StockholdersEquity_68A9884ABF336339611154E35FF9F8D4" xlink:type="locator" />
    <link:presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_C5D7DFEEE3EE097E361154E35FF73C2E" xlink:to="loc_us-gaap_StockholdersEquity_68A9884ABF336339611154E35FF9F8D4" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/DocumentAndEntityInformation" xlink:type="extended">
    <link:loc xlink:href="schw-20180930.xsd#schw_DocumentAndEntityInformationAbstract" xlink:label="loc_schw_DocumentAndEntityInformationAbstract_C7CEC5397C016E37CB1554E36033FEA1" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentType" xlink:label="loc_dei_DocumentType_BD07511687270E8F944854E36033EAF2" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_DocumentAndEntityInformationAbstract_C7CEC5397C016E37CB1554E36033FEA1" xlink:to="loc_dei_DocumentType_BD07511687270E8F944854E36033EAF2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_AmendmentFlag" xlink:label="loc_dei_AmendmentFlag_CA0733BCFEFE3CECCC9654E360342754" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_DocumentAndEntityInformationAbstract_C7CEC5397C016E37CB1554E36033FEA1" xlink:to="loc_dei_AmendmentFlag_CA0733BCFEFE3CECCC9654E360342754" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="loc_dei_DocumentPeriodEndDate_A112973BD1D2602E145254E360344F19" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_DocumentAndEntityInformationAbstract_C7CEC5397C016E37CB1554E36033FEA1" xlink:to="loc_dei_DocumentPeriodEndDate_A112973BD1D2602E145254E360344F19" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="loc_dei_DocumentFiscalYearFocus_F90B550FF30BB5D032BC54E360349FA3" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_DocumentAndEntityInformationAbstract_C7CEC5397C016E37CB1554E36033FEA1" xlink:to="loc_dei_DocumentFiscalYearFocus_F90B550FF30BB5D032BC54E360349FA3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="loc_dei_DocumentFiscalPeriodFocus_0BF010510A9903BD1F4A54E36034CFA2" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_DocumentAndEntityInformationAbstract_C7CEC5397C016E37CB1554E36033FEA1" xlink:to="loc_dei_DocumentFiscalPeriodFocus_0BF010510A9903BD1F4A54E36034CFA2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_TradingSymbol" xlink:label="loc_dei_TradingSymbol_BD31621F00DED9A11D2C54E360344D8E" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_DocumentAndEntityInformationAbstract_C7CEC5397C016E37CB1554E36033FEA1" xlink:to="loc_dei_TradingSymbol_BD31621F00DED9A11D2C54E360344D8E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityRegistrantName" xlink:label="loc_dei_EntityRegistrantName_17C25E4AD1AC764085BA54E360352870" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_DocumentAndEntityInformationAbstract_C7CEC5397C016E37CB1554E36033FEA1" xlink:to="loc_dei_EntityRegistrantName_17C25E4AD1AC764085BA54E360352870" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="loc_dei_EntityCentralIndexKey_2EF47B2DE4BBEE79A30454E36035A869" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_DocumentAndEntityInformationAbstract_C7CEC5397C016E37CB1554E36033FEA1" xlink:to="loc_dei_EntityCentralIndexKey_2EF47B2DE4BBEE79A30454E36035A869" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="loc_dei_CurrentFiscalYearEndDate_F126F93D1B18319E90BE54E36035053A" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_DocumentAndEntityInformationAbstract_C7CEC5397C016E37CB1554E36033FEA1" xlink:to="loc_dei_CurrentFiscalYearEndDate_F126F93D1B18319E90BE54E36035053A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityFilerCategory" xlink:label="loc_dei_EntityFilerCategory_8746FD602CC47B12415454E36035F408" xlink:type="locator" />
    <link:presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_DocumentAndEntityInformationAbstract_C7CEC5397C016E37CB1554E36033FEA1" xlink:to="loc_dei_EntityFilerCategory_8746FD602CC47B12415454E36035F408" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_CC309027506839ED8D6954E36035AAAC" xlink:type="locator" />
    <link:presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_DocumentAndEntityInformationAbstract_C7CEC5397C016E37CB1554E36033FEA1" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_CC309027506839ED8D6954E36035AAAC" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/EarningsPerCommonShare" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="loc_us-gaap_EarningsPerShareAbstract_8093DB088BEE0F9985DF54E35BAEC629" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareTextBlock" xlink:label="loc_us-gaap_EarningsPerShareTextBlock_9C2C339156973F6EDE3854E35BAEEFAC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_8093DB088BEE0F9985DF54E35BAEC629" xlink:to="loc_us-gaap_EarningsPerShareTextBlock_9C2C339156973F6EDE3854E35BAEEFAC" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/EarningsPerCommonShareDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="loc_us-gaap_EarningsPerShareAbstract_CDD883D235307586354854E35B93AE6E" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_4B5F47F859B12D0CDBC854E35B93E3F9" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_CDD883D235307586354854E35B93AE6E" xlink:to="loc_us-gaap_NetIncomeLoss_4B5F47F859B12D0CDBC854E35B93E3F9" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockDividendsAndOtherAdjustments" xlink:label="loc_us-gaap_PreferredStockDividendsAndOtherAdjustments_517E1BCD7BF00E86C16754E35B996B5C" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_CDD883D235307586354854E35B93AE6E" xlink:to="loc_us-gaap_PreferredStockDividendsAndOtherAdjustments_517E1BCD7BF00E86C16754E35B996B5C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_6C09F87FD7892622643554E35B99424A" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_CDD883D235307586354854E35B93AE6E" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_6C09F87FD7892622643554E35B99424A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_115E16C3AB6A759DB3E754E35B99D7E3" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_CDD883D235307586354854E35B93AE6E" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_115E16C3AB6A759DB3E754E35B99D7E3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_8BDDC3785AD827FA22AB54E35B9A3603" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_CDD883D235307586354854E35B93AE6E" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_8BDDC3785AD827FA22AB54E35B9A3603" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_B1A55D0AB6B6B7D369AA54E35B9A3AE6" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_CDD883D235307586354854E35B93AE6E" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_B1A55D0AB6B6B7D369AA54E35B9A3AE6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="loc_us-gaap_EarningsPerShareBasic_304A5581B0C9B9F558EE54E35B9AC6DF" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_CDD883D235307586354854E35B93AE6E" xlink:to="loc_us-gaap_EarningsPerShareBasic_304A5581B0C9B9F558EE54E35B9AC6DF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="loc_us-gaap_EarningsPerShareDiluted_63A0D43978725FE5FBDC54E35B9BB6C5" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_CDD883D235307586354854E35B93AE6E" xlink:to="loc_us-gaap_EarningsPerShareDiluted_63A0D43978725FE5FBDC54E35B9BB6C5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_DDEEE1ADD5D05BB4E8A454E35B9B339A" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_CDD883D235307586354854E35B93AE6E" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_DDEEE1ADD5D05BB4E8A454E35B9B339A" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/EarningsPerCommonShareTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="loc_us-gaap_EarningsPerShareAbstract_103B7F8AB6472B322B7254E35BA58015" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_E752B34391FE352BA28954E35BA5772C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_103B7F8AB6472B322B7254E35BA58015" xlink:to="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_E752B34391FE352BA28954E35BA5772C" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/FairValuesOfAssetsAndLiabilities" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_DA873503298D324D559554E35D52A115" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_7E060B03C6A6E500728454E35D52B7B9" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_DA873503298D324D559554E35D52A115" xlink:to="loc_us-gaap_FairValueDisclosuresTextBlock_7E060B03C6A6E500728454E35D52B7B9" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/FairValuesOfAssetsAndLiabilitiesFairValueHierarchyForAssetsAndLiabilitiesMeasuredAtFairValueOnRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_035C83C2DD024299488E54E35D25A24C" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8BDE04D292949892DFA154E35D255E55" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_035C83C2DD024299488E54E35D25A24C" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8BDE04D292949892DFA154E35D255E55" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_B9C2C90776AF998191B654E35D2BD606" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8BDE04D292949892DFA154E35D255E55" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_B9C2C90776AF998191B654E35D2BD606" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_BBDBED0F0159D15AB4F354E35D2BA31C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_B9C2C90776AF998191B654E35D2BD606" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_BBDBED0F0159D15AB4F354E35D2BA31C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_5056C103E515A3BEC47754E35D2B2127" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_BBDBED0F0159D15AB4F354E35D2BA31C" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_5056C103E515A3BEC47754E35D2B2127" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_49F629FEEBD9F0A0F05254E35D2CF2AA" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8BDE04D292949892DFA154E35D255E55" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_49F629FEEBD9F0A0F05254E35D2CF2AA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_168E10161DE27D7720AC54E35D2CF090" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_49F629FEEBD9F0A0F05254E35D2CF2AA" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_168E10161DE27D7720AC54E35D2CF090" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_491D1F57AFDD2C33832E54E35D2CE73A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_168E10161DE27D7720AC54E35D2CF090" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_491D1F57AFDD2C33832E54E35D2CE73A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_32E7B5875D66E16C29FE54E35D2C2D28" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_168E10161DE27D7720AC54E35D2CF090" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_32E7B5875D66E16C29FE54E35D2C2D28" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0060D6509D95C1718B7254E35D2CE5DC" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8BDE04D292949892DFA154E35D255E55" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0060D6509D95C1718B7254E35D2CE5DC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_98DAF8899FBC8D435E6154E35D2DE40C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0060D6509D95C1718B7254E35D2CE5DC" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_98DAF8899FBC8D435E6154E35D2DE40C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_6CACB83AB9EB6A9758C554E35D2D63A3" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_98DAF8899FBC8D435E6154E35D2DE40C" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_6CACB83AB9EB6A9758C554E35D2D63A3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_C9A5D08E002A1DBB954E54E35D2DDA7F" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_98DAF8899FBC8D435E6154E35D2DE40C" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_C9A5D08E002A1DBB954E54E35D2DDA7F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_9BEDE87836583B82273454E35D2EB507" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_98DAF8899FBC8D435E6154E35D2DE40C" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_9BEDE87836583B82273454E35D2EB507" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentAxis" xlink:label="loc_us-gaap_FinancialInstrumentAxis_D90D3D87BB0678EC95A654E35D2EEAC9" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8BDE04D292949892DFA154E35D255E55" xlink:to="loc_us-gaap_FinancialInstrumentAxis_D90D3D87BB0678EC95A654E35D2EEAC9" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_D90D3D87BB0678EC95A654E35D2EEAC9" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MoneyMarketFundsMember" xlink:label="loc_us-gaap_MoneyMarketFundsMember_E06B3D4EAE61251497CC54E35D2E35EA" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_us-gaap_MoneyMarketFundsMember_E06B3D4EAE61251497CC54E35D2E35EA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialPaperMember" xlink:label="loc_us-gaap_CommercialPaperMember_0C88C0904498A8E1238E54E35D2E1903" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_us-gaap_CommercialPaperMember_0C88C0904498A8E1238E54E35D2E1903" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertificatesOfDepositMember" xlink:label="loc_us-gaap_CertificatesOfDepositMember_A169F24C23C8B934F92054E35D2FC2C6" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_us-gaap_CertificatesOfDepositMember_A169F24C23C8B934F92054E35D2FC2C6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USGovernmentDebtSecuritiesMember" xlink:label="loc_us-gaap_USGovernmentDebtSecuritiesMember_839031988A9A9B36CB3354E35D2F6FA9" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_us-gaap_USGovernmentDebtSecuritiesMember_839031988A9A9B36CB3354E35D2F6FA9" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_EquityAndBondMutualFundsMember" xlink:label="loc_schw_EquityAndBondMutualFundsMember_8D865A0C83340C585D9454E35D2F0A0E" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_schw_EquityAndBondMutualFundsMember_8D865A0C83340C585D9454E35D2F0A0E" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SchwabFundsMoneyMarketFundsMember" xlink:label="loc_schw_SchwabFundsMoneyMarketFundsMember_572E25FB579F510EFBE554E35D2FCAE1" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_schw_SchwabFundsMoneyMarketFundsMember_572E25FB579F510EFBE554E35D2FCAE1" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_StateAndMunicipalDebtObligationsMember" xlink:label="loc_schw_StateAndMunicipalDebtObligationsMember_BF93920C7E2E8D3BC83354E35D2FE442" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_schw_StateAndMunicipalDebtObligationsMember_BF93920C7E2E8D3BC83354E35D2FE442" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_EquityUnitedStatesGovernmentAndCorporateDebtAndOtherSecuritiesMember" xlink:label="loc_schw_EquityUnitedStatesGovernmentAndCorporateDebtAndOtherSecuritiesMember_EA6506E85A7F939EBA4954E35D30F6FF" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_schw_EquityUnitedStatesGovernmentAndCorporateDebtAndOtherSecuritiesMember_EA6506E85A7F939EBA4954E35D30F6FF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_2FC1060E46B70B761F6C54E35D309C13" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_2FC1060E46B70B761F6C54E35D309C13" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_07B1306BC62D483FCFBF54E35D35C36D" xlink:type="locator" />
    <link:presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_07B1306BC62D483FCFBF54E35D35C36D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetBackedSecuritiesMember" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_ABD0857DB075C3EF51F754E35D35AC22" xlink:type="locator" />
    <link:presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_ABD0857DB075C3EF51F754E35D35AC22" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_A814C051A4FEC2983B5854E35D36C791" xlink:type="locator" />
    <link:presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_A814C051A4FEC2983B5854E35D36C791" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:label="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_0DACA66A41152C21901054E35D363198" xlink:type="locator" />
    <link:presentationArc order="13" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_0DACA66A41152C21901054E35D363198" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:label="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_FE7F0CD1DC62B2B05AD854E35D369C8A" xlink:type="locator" />
    <link:presentationArc order="14" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_FE7F0CD1DC62B2B05AD854E35D369C8A" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember" xlink:label="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_59F48ECF8EA64699626B54E35D3669C7" xlink:type="locator" />
    <link:presentationArc order="15" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_BBFFC42F5C8C563AD23454E35D2E7EE3" xlink:to="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_59F48ECF8EA64699626B54E35D3669C7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_64C341219D2EF7EBFB2154E35D369DD6" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_8BDE04D292949892DFA154E35D255E55" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_64C341219D2EF7EBFB2154E35D369DD6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_F2E1D7DAC711EE3FFAA954E35D3617E6" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_64C341219D2EF7EBFB2154E35D369DD6" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_F2E1D7DAC711EE3FFAA954E35D3617E6" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure" xlink:label="loc_schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure_4999444315C35158659854E35D37BCE8" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_64C341219D2EF7EBFB2154E35D369DD6" xlink:to="loc_schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure_4999444315C35158659854E35D37BCE8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentsOwnedAtFairValue" xlink:label="loc_us-gaap_FinancialInstrumentsOwnedAtFairValue_4C66DA1E28195755808254E35D37B969" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_64C341219D2EF7EBFB2154E35D369DD6" xlink:to="loc_us-gaap_FinancialInstrumentsOwnedAtFairValue_4C66DA1E28195755808254E35D37B969" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_FF45A7CF85541CE88BC454E35D37C73E" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_64C341219D2EF7EBFB2154E35D369DD6" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_FF45A7CF85541CE88BC454E35D37C73E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_F32B6D131DD46F21A46254E35D37D59E" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_64C341219D2EF7EBFB2154E35D369DD6" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_F32B6D131DD46F21A46254E35D37D59E" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/FairValuesOfAssetsAndLiabilitiesFairValueOfOtherFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_E0FFF15600D987FC973D9DB5F1457F84" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_4CA525C754B1EDE97A309DB5F145C075" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_E0FFF15600D987FC973D9DB5F1457F84" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_4CA525C754B1EDE97A309DB5F145C075" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_986E0D54D4EB6FB6B35E9DB5F145C072" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_4CA525C754B1EDE97A309DB5F145C075" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_986E0D54D4EB6FB6B35E9DB5F145C072" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_A674947533DC09EB049D9DB5F1458FC8" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_986E0D54D4EB6FB6B35E9DB5F145C072" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_A674947533DC09EB049D9DB5F1458FC8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_49549729DDC5C058EADF9DB5F146E273" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_A674947533DC09EB049D9DB5F1458FC8" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_49549729DDC5C058EADF9DB5F146E273" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_261827D142D4486B87459DB5F14613E5" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_A674947533DC09EB049D9DB5F1458FC8" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_261827D142D4486B87459DB5F14613E5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PortionAtOtherThanFairValueFairValueDisclosureMember" xlink:label="loc_us-gaap_PortionAtOtherThanFairValueFairValueDisclosureMember_326317182BE73020E8A79DB5F1461970" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_A674947533DC09EB049D9DB5F1458FC8" xlink:to="loc_us-gaap_PortionAtOtherThanFairValueFairValueDisclosureMember_326317182BE73020E8A79DB5F1461970" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_DC4A40C05808FD4DA0369DB5F1474117" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_4CA525C754B1EDE97A309DB5F145C075" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_DC4A40C05808FD4DA0369DB5F1474117" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_99F40C20EF7AC92B6FAB9DB5F14772DA" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_DC4A40C05808FD4DA0369DB5F1474117" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_99F40C20EF7AC92B6FAB9DB5F14772DA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_42D646E08CFDB0AE2DED9DB5F147F799" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_99F40C20EF7AC92B6FAB9DB5F14772DA" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_42D646E08CFDB0AE2DED9DB5F147F799" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_0A28E0AF9DBB8925FB9B9DB5F1470B49" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_99F40C20EF7AC92B6FAB9DB5F14772DA" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_0A28E0AF9DBB8925FB9B9DB5F1470B49" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_08A6CFA1B0DC31099B2C9DB5F147EB5F" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_99F40C20EF7AC92B6FAB9DB5F14772DA" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_08A6CFA1B0DC31099B2C9DB5F147EB5F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentAxis" xlink:label="loc_us-gaap_FinancialInstrumentAxis_674611C321DB0D57D2CA9DB5F148C164" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_4CA525C754B1EDE97A309DB5F145C075" xlink:to="loc_us-gaap_FinancialInstrumentAxis_674611C321DB0D57D2CA9DB5F148C164" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9F1999EFFB145D96548D9DB5F148B661" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_674611C321DB0D57D2CA9DB5F148C164" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9F1999EFFB145D96548D9DB5F148B661" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_906CAFB71EA1631790D19DB5F148942A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9F1999EFFB145D96548D9DB5F148B661" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_906CAFB71EA1631790D19DB5F148942A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetBackedSecuritiesMember" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_FDC4ADF7DFA0E4A349B09DB5F1483907" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9F1999EFFB145D96548D9DB5F148B661" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_FDC4ADF7DFA0E4A349B09DB5F1483907" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_16173AE3339F17BDE96A9DB5F1489550" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9F1999EFFB145D96548D9DB5F148B661" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_16173AE3339F17BDE96A9DB5F1489550" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_E842C2DAF9C3B546862D9DB5F149436D" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9F1999EFFB145D96548D9DB5F148B661" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_E842C2DAF9C3B546862D9DB5F149436D" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember" xlink:label="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_8C44C7E1A49A92499FA99DB5F1499CA6" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9F1999EFFB145D96548D9DB5F148B661" xlink:to="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_8C44C7E1A49A92499FA99DB5F1499CA6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_746903D96F76513B3DA09DB5F1490F5D" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9F1999EFFB145D96548D9DB5F148B661" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_746903D96F76513B3DA09DB5F1490F5D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertificatesOfDepositMember" xlink:label="loc_us-gaap_CertificatesOfDepositMember_D8CBF90FD85807893C7C9DB5F1498FA6" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9F1999EFFB145D96548D9DB5F148B661" xlink:to="loc_us-gaap_CertificatesOfDepositMember_D8CBF90FD85807893C7C9DB5F1498FA6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:label="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_686611E237630C5959509DB5F149268B" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9F1999EFFB145D96548D9DB5F148B661" xlink:to="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_686611E237630C5959509DB5F149268B" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherSecuritiesMember" xlink:label="loc_schw_OtherSecuritiesMember_A6A56E1CCF8CA5535FBD9DB9639F3771" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9F1999EFFB145D96548D9DB5F148B661" xlink:to="loc_schw_OtherSecuritiesMember_A6A56E1CCF8CA5535FBD9DB9639F3771" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3FEFE85D3EAB13E16AE69DB5F14AE606" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_4CA525C754B1EDE97A309DB5F145C075" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3FEFE85D3EAB13E16AE69DB5F14AE606" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_FD2F8A998CE986E985649DB5F14AAD30" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3FEFE85D3EAB13E16AE69DB5F14AE606" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_FD2F8A998CE986E985649DB5F14AAD30" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FirstMortgageMember" xlink:label="loc_us-gaap_FirstMortgageMember_11FD5A871FFA0A20C5AA9DB5F14A8FF7" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_FD2F8A998CE986E985649DB5F14AAD30" xlink:to="loc_us-gaap_FirstMortgageMember_11FD5A871FFA0A20C5AA9DB5F14A8FF7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HomeEquityMember" xlink:label="loc_us-gaap_HomeEquityMember_C7B29CBC474E690F612B9DB5F14BAF13" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_FD2F8A998CE986E985649DB5F14AAD30" xlink:to="loc_us-gaap_HomeEquityMember_C7B29CBC474E690F612B9DB5F14BAF13" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_PledgedAssetLinesMember" xlink:label="loc_schw_PledgedAssetLinesMember_0CAB87AD4CC686E8C4B89DB5F14BEEA7" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_FD2F8A998CE986E985649DB5F14AAD30" xlink:to="loc_schw_PledgedAssetLinesMember_0CAB87AD4CC686E8C4B89DB5F14BEEA7" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherLoansMember" xlink:label="loc_schw_OtherLoansMember_47AFEA85D7B6AA4085E19DB5F14BE07C" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_FD2F8A998CE986E985649DB5F14AAD30" xlink:to="loc_schw_OtherLoansMember_47AFEA85D7B6AA4085E19DB5F14BE07C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_E993FF49749B9E31CE589DB5F14B5D17" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_4CA525C754B1EDE97A309DB5F145C075" xlink:to="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_E993FF49749B9E31CE589DB5F14B5D17" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_21362061652E24F781239DB5F14C3174" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_E993FF49749B9E31CE589DB5F14B5D17" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_21362061652E24F781239DB5F14C3174" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_830F90D74DE56484F9A59DB5F14CB351" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_21362061652E24F781239DB5F14C3174" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_830F90D74DE56484F9A59DB5F14CB351" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure" xlink:label="loc_schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure_02E3B13DF440EF1023D79DB5F14C2162" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_21362061652E24F781239DB5F14C3174" xlink:to="loc_schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure_02E3B13DF440EF1023D79DB5F14C2162" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_ReceivablesFromBrokersDealersAndClearingOrganizationsFairValueDisclosure" xlink:label="loc_schw_ReceivablesFromBrokersDealersAndClearingOrganizationsFairValueDisclosure_C285A04E06F865035F639DB5F14C1046" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_21362061652E24F781239DB5F14C3174" xlink:to="loc_schw_ReceivablesFromBrokersDealersAndClearingOrganizationsFairValueDisclosure_C285A04E06F865035F639DB5F14C1046" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountsReceivableFairValueDisclosure" xlink:label="loc_us-gaap_AccountsReceivableFairValueDisclosure_E3B3B6B1D5B9FAE03E0A9DB5F14D507F" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_21362061652E24F781239DB5F14C3174" xlink:to="loc_us-gaap_AccountsReceivableFairValueDisclosure_E3B3B6B1D5B9FAE03E0A9DB5F14D507F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_ACBDBC906ADDFEB3EAE89DB5F14D0795" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_21362061652E24F781239DB5F14C3174" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_ACBDBC906ADDFEB3EAE89DB5F14D0795" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_3EEF44468FC32661352C9DB5F14DC43C" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_21362061652E24F781239DB5F14C3174" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_3EEF44468FC32661352C9DB5F14DC43C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssetsFairValueDisclosure" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure_9784B21686774954DA6E9DB5F14D73D1" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_21362061652E24F781239DB5F14C3174" xlink:to="loc_us-gaap_OtherAssetsFairValueDisclosure_9784B21686774954DA6E9DB5F14D73D1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_E390E2D01BE8C1C0AF089DB5F14D4367" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_21362061652E24F781239DB5F14C3174" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_E390E2D01BE8C1C0AF089DB5F14D4367" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_6F8A79500FCF554D21379DB5F14E83E6" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_E993FF49749B9E31CE589DB5F14B5D17" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_6F8A79500FCF554D21379DB5F14E83E6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsFairValueDisclosure" xlink:label="loc_us-gaap_DepositsFairValueDisclosure_181451A2163E0AC806539DB5F14ED941" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_6F8A79500FCF554D21379DB5F14E83E6" xlink:to="loc_us-gaap_DepositsFairValueDisclosure_181451A2163E0AC806539DB5F14ED941" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_PayablesToBrokerDealersAndClearingOrganizationsFairValueDisclosure" xlink:label="loc_schw_PayablesToBrokerDealersAndClearingOrganizationsFairValueDisclosure_AA8ACFA0A94732F87E959DB5F14E290C" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_6F8A79500FCF554D21379DB5F14E83E6" xlink:to="loc_schw_PayablesToBrokerDealersAndClearingOrganizationsFairValueDisclosure_AA8ACFA0A94732F87E959DB5F14E290C" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_PayablesToCustomersFairValueDisclosure" xlink:label="loc_schw_PayablesToCustomersFairValueDisclosure_A987AF2C7F9BE83759029DB5F14EA878" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_6F8A79500FCF554D21379DB5F14E83E6" xlink:to="loc_schw_PayablesToCustomersFairValueDisclosure_A987AF2C7F9BE83759029DB5F14EA878" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccruedLiabilitiesFairValueDisclosure" xlink:label="loc_us-gaap_AccruedLiabilitiesFairValueDisclosure_ABB33F3D80A29A6B26169DB5F14F3EFD" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_6F8A79500FCF554D21379DB5F14E83E6" xlink:to="loc_us-gaap_AccruedLiabilitiesFairValueDisclosure_ABB33F3D80A29A6B26169DB5F14F3EFD" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ShorttermDebtFairValue" xlink:label="loc_us-gaap_ShorttermDebtFairValue_48BCEE6CC84CAFB6041F9DB5F14FEDCC" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_6F8A79500FCF554D21379DB5F14E83E6" xlink:to="loc_us-gaap_ShorttermDebtFairValue_48BCEE6CC84CAFB6041F9DB5F14FEDCC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongTermDebtFairValue" xlink:label="loc_us-gaap_LongTermDebtFairValue_3E8DD48CF8897285BE169DB5F14F389A" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_6F8A79500FCF554D21379DB5F14E83E6" xlink:to="loc_us-gaap_LongTermDebtFairValue_3E8DD48CF8897285BE169DB5F14F389A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialLiabilitiesFairValueDisclosure" xlink:label="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_C84CB936C7E6097A2A039DB5F14F5CC2" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_6F8A79500FCF554D21379DB5F14E83E6" xlink:to="loc_us-gaap_FinancialLiabilitiesFairValueDisclosure_C84CB936C7E6097A2A039DB5F14F5CC2" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/FairValuesOfAssetsAndLiabilitiesTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_986AA8E94F58F829D9A554E35D4848E2" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_5FF2AAB7C62D98EE2ACE54E35D495545" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_986AA8E94F58F829D9A554E35D4848E2" xlink:to="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_5FF2AAB7C62D98EE2ACE54E35D495545" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_ScheduleOfFairValueAssetsAndLiabilitiesForFinancialInstrumentsNotRecordedAtFairValueTableTableTextBlock" xlink:label="loc_schw_ScheduleOfFairValueAssetsAndLiabilitiesForFinancialInstrumentsNotRecordedAtFairValueTableTableTextBlock_D93F49A2738E5C16A7B854E35D49F462" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_986AA8E94F58F829D9A554E35D4848E2" xlink:to="loc_schw_ScheduleOfFairValueAssetsAndLiabilitiesForFinancialInstrumentsNotRecordedAtFairValueTableTableTextBlock_D93F49A2738E5C16A7B854E35D49F462" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/FinancialInstrumentsSubjectToOffBalanceSheetCreditRisk" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAbstract" xlink:label="loc_us-gaap_OffsettingAbstract_4942327B9C1427BC205D54E35DE85D81" xlink:type="locator" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OffsettingAssetsAndLiabilitiesTextBlock" xlink:label="loc_schw_OffsettingAssetsAndLiabilitiesTextBlock_62FE5C05CD43D4DA34D854E35DE8DE27" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAbstract_4942327B9C1427BC205D54E35DE85D81" xlink:to="loc_schw_OffsettingAssetsAndLiabilitiesTextBlock_62FE5C05CD43D4DA34D854E35DE8DE27" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/FinancialInstrumentsSubjectToOffBalanceSheetCreditRiskNarrativeDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAbstract" xlink:label="loc_us-gaap_OffsettingAbstract_D3D4129C28418BB0AA3E54E35DD0FCAF" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:label="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_5056A205740E1411624654E35DD0BA1C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAbstract_D3D4129C28418BB0AA3E54E35DD0FCAF" xlink:to="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_5056A205740E1411624654E35DD0BA1C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesFinancingTransactionAxis" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionAxis_FEB2C9882F4F529D9F5854E35DD03669" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_5056A205740E1411624654E35DD0BA1C" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionAxis_FEB2C9882F4F529D9F5854E35DD03669" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesFinancingTransactionTypeDomain" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_3E7AE6141FC7FC379E6654E35DD1AC0B" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionAxis_FEB2C9882F4F529D9F5854E35DD03669" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_3E7AE6141FC7FC379E6654E35DD1AC0B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesFinancingTransactionFairValueMember" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionFairValueMember_EB7F8C582EE41895ABCD54E35DD14F9A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_3E7AE6141FC7FC379E6654E35DD1AC0B" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionFairValueMember_EB7F8C582EE41895ABCD54E35DD14F9A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems" xlink:label="loc_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_35EE177B0FB492BF7F4554E35DD165AE" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_5056A205740E1411624654E35DD0BA1C" xlink:to="loc_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_35EE177B0FB492BF7F4554E35DD165AE" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FairValueOfSecuritiesBorrowed" xlink:label="loc_schw_FairValueOfSecuritiesBorrowed_DB30A2E55AAFA47E530754E35DD2E361" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_35EE177B0FB492BF7F4554E35DD165AE" xlink:to="loc_schw_FairValueOfSecuritiesBorrowed_DB30A2E55AAFA47E530754E35DD2E361" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/FinancialInstrumentsSubjectToOffBalanceSheetCreditRiskOffsettingAssetsAndLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAbstract" xlink:label="loc_us-gaap_OffsettingAbstract_2FD5C413E937B8214BCC54E35DAAB773" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingDerivativeAssetsAbstract" xlink:label="loc_us-gaap_OffsettingDerivativeAssetsAbstract_50727B3108C823B7A6FF54E35DAAA7D4" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAbstract_2FD5C413E937B8214BCC54E35DAAB773" xlink:to="loc_us-gaap_OffsettingDerivativeAssetsAbstract_50727B3108C823B7A6FF54E35DAAA7D4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract" xlink:label="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_93DD3C3F1F7C10CB7B9A54E35DAA1792" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_50727B3108C823B7A6FF54E35DAAA7D4" xlink:to="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_93DD3C3F1F7C10CB7B9A54E35DAA1792" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellGross" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellGross_63D7E4FB394462CCA10D54E35DABFCC9" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_93DD3C3F1F7C10CB7B9A54E35DAA1792" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellGross_63D7E4FB394462CCA10D54E35DABFCC9" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset" xlink:label="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_691BB48530AB5B58C8E754E35DABE109" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_93DD3C3F1F7C10CB7B9A54E35DAA1792" xlink:to="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_691BB48530AB5B58C8E754E35DABE109" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_BC5FC20AEFCCF34DA91554E35DABFA7E" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_93DD3C3F1F7C10CB7B9A54E35DAA1792" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_BC5FC20AEFCCF34DA91554E35DABFA7E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnSecurities" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnSecurities_CCE9A436B724F56B2DFE54E35DAB6D78" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_93DD3C3F1F7C10CB7B9A54E35DAA1792" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnSecurities_CCE9A436B724F56B2DFE54E35DAB6D78" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnCash" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnCash_13C3B28E3905175F060854E35DB1A353" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_93DD3C3F1F7C10CB7B9A54E35DAA1792" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnCash_13C3B28E3905175F060854E35DB1A353" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral_368DC41CDF8C4E104C2F54E35DB1CCAB" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_93DD3C3F1F7C10CB7B9A54E35DAA1792" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral_368DC41CDF8C4E104C2F54E35DB1CCAB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingSecuritiesBorrowedAbstract" xlink:label="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_AA25FE465B1995657AAC54E35DB1AC84" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_50727B3108C823B7A6FF54E35DAAA7D4" xlink:to="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_AA25FE465B1995657AAC54E35DB1AC84" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesBorrowedGross" xlink:label="loc_us-gaap_SecuritiesBorrowedGross_5EA3D1D5DA20B31ECCB254E35DB11DD0" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_AA25FE465B1995657AAC54E35DB1AC84" xlink:to="loc_us-gaap_SecuritiesBorrowedGross_5EA3D1D5DA20B31ECCB254E35DB11DD0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesBorrowedLiability" xlink:label="loc_us-gaap_SecuritiesBorrowedLiability_AD443F268E40C65B6BB054E35DB20263" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_AA25FE465B1995657AAC54E35DB1AC84" xlink:to="loc_us-gaap_SecuritiesBorrowedLiability_AD443F268E40C65B6BB054E35DB20263" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesBorrowed" xlink:label="loc_us-gaap_SecuritiesBorrowed_76CA983B0406BC13D64654E35DB2B0CD" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_AA25FE465B1995657AAC54E35DB1AC84" xlink:to="loc_us-gaap_SecuritiesBorrowed_76CA983B0406BC13D64654E35DB2B0CD" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesBorrowedCollateralObligationToReturnSecurities" xlink:label="loc_us-gaap_SecuritiesBorrowedCollateralObligationToReturnSecurities_9E70688F87111CD77B8A54E35DB26400" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_AA25FE465B1995657AAC54E35DB1AC84" xlink:to="loc_us-gaap_SecuritiesBorrowedCollateralObligationToReturnSecurities_9E70688F87111CD77B8A54E35DB26400" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesBorrowedCollateralObligationToReturnCash" xlink:label="loc_us-gaap_SecuritiesBorrowedCollateralObligationToReturnCash_859AEE91746C2C0AE9FA54E35DB2F7C3" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_AA25FE465B1995657AAC54E35DB1AC84" xlink:to="loc_us-gaap_SecuritiesBorrowedCollateralObligationToReturnCash_859AEE91746C2C0AE9FA54E35DB2F7C3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral" xlink:label="loc_us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral_E6640023AB95728FB18A54E35DB28D50" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_AA25FE465B1995657AAC54E35DB1AC84" xlink:to="loc_us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral_E6640023AB95728FB18A54E35DB28D50" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_757671E6347B45C043BE54E35DB30B93" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_50727B3108C823B7A6FF54E35DAAA7D4" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_757671E6347B45C043BE54E35DB30B93" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability" xlink:label="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability_A19E5D8F9535E1D59A6054E35DB34916" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_50727B3108C823B7A6FF54E35DAAA7D4" xlink:to="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability_A19E5D8F9535E1D59A6054E35DB34916" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowed" xlink:label="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowed_4060861D1C446BF53A8454E35DB3B01B" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_50727B3108C823B7A6FF54E35DAAA7D4" xlink:to="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowed_4060861D1C446BF53A8454E35DB3B01B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeCollateralObligationToReturnSecurities" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_E0214029F7018E92A8C554E35DB3F078" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_50727B3108C823B7A6FF54E35DAAA7D4" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_E0214029F7018E92A8C554E35DB3F078" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeCollateralObligationToReturnCash" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnCash_B2E00D58D9D5E037E32454E35DB38AEC" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_50727B3108C823B7A6FF54E35DAAA7D4" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnCash_B2E00D58D9D5E037E32454E35DB38AEC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_4E522C50A29F115A0F1F54E35DB4CDCC" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_50727B3108C823B7A6FF54E35DAAA7D4" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_4E522C50A29F115A0F1F54E35DB4CDCC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingDerivativeLiabilitiesAbstract" xlink:label="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_F50E36BFEE1F096C5C1A54E35DB4502E" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAbstract_2FD5C413E937B8214BCC54E35DAAB773" xlink:to="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_F50E36BFEE1F096C5C1A54E35DB4502E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingSecuritiesLoanedAbstract" xlink:label="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_A1377B58D2A3DF44788E54E35DB4351A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_F50E36BFEE1F096C5C1A54E35DB4502E" xlink:to="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_A1377B58D2A3DF44788E54E35DB4351A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesLoanedGross" xlink:label="loc_us-gaap_SecuritiesLoanedGross_22729F432743DA13265654E35DB4D6EE" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_A1377B58D2A3DF44788E54E35DB4351A" xlink:to="loc_us-gaap_SecuritiesLoanedGross_22729F432743DA13265654E35DB4D6EE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_4712FD6997BF3D37A63A54E35DB534C8" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_A1377B58D2A3DF44788E54E35DB4351A" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_4712FD6997BF3D37A63A54E35DB534C8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesLoaned" xlink:label="loc_us-gaap_SecuritiesLoaned_6D9C0333A0CCBAD71AAB54E35DB5D731" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_A1377B58D2A3DF44788E54E35DB4351A" xlink:to="loc_us-gaap_SecuritiesLoaned_6D9C0333A0CCBAD71AAB54E35DB5D731" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesLoanedCollateralRightToReclaimSecurities" xlink:label="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimSecurities_3DE5527EF6CA3CF08A2554E35DB562E5" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_A1377B58D2A3DF44788E54E35DB4351A" xlink:to="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimSecurities_3DE5527EF6CA3CF08A2554E35DB562E5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesLoanedCollateralRightToReclaimCash" xlink:label="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_4735F59682E050527C2254E35DB54124" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_A1377B58D2A3DF44788E54E35DB4351A" xlink:to="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_4735F59682E050527C2254E35DB54124" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral" xlink:label="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_EF86B720421CA01CAB6854E35DB6BDF1" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_A1377B58D2A3DF44788E54E35DB4351A" xlink:to="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_EF86B720421CA01CAB6854E35DB6BDF1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_83B29132533F9B30CC6B54E35DB6ADD1" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_F50E36BFEE1F096C5C1A54E35DB4502E" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_83B29132533F9B30CC6B54E35DB6ADD1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:label="loc_us-gaap_DerivativeLiabilities_9378CD03527F5809CAD054E35DB658F2" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_F50E36BFEE1F096C5C1A54E35DB4502E" xlink:to="loc_us-gaap_DerivativeLiabilities_9378CD03527F5809CAD054E35DB658F2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeCollateralRightToReclaimSecurities" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities_3F6DCFF828CB6A2F187954E35DB62CBB" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_F50E36BFEE1F096C5C1A54E35DB4502E" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities_3F6DCFF828CB6A2F187954E35DB62CBB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeCollateralRightToReclaimCash" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_93FA33D1A66DB210ED2454E35DB67F48" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_F50E36BFEE1F096C5C1A54E35DB4502E" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_93FA33D1A66DB210ED2454E35DB67F48" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_B58547B1C79667E0227D54E35DB7E287" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_F50E36BFEE1F096C5C1A54E35DB4502E" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_B58547B1C79667E0227D54E35DB7E287" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsTable" xlink:label="loc_us-gaap_OffsettingAssetsTable_FA27C783CC8A40459ABE54E35DB7C942" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAbstract_2FD5C413E937B8214BCC54E35DAAB773" xlink:to="loc_us-gaap_OffsettingAssetsTable_FA27C783CC8A40459ABE54E35DB7C942" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesFinancingTransactionAxis" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionAxis_00377B5396B8DA33206954E35DBC4CD4" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAssetsTable_FA27C783CC8A40459ABE54E35DB7C942" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionAxis_00377B5396B8DA33206954E35DBC4CD4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesFinancingTransactionTypeDomain" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_B02499DF26279CA27A9854E35DBC81F0" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionAxis_00377B5396B8DA33206954E35DBC4CD4" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_B02499DF26279CA27A9854E35DBC81F0" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_ResaleAndRepurchaseAgreementsMember" xlink:label="loc_schw_ResaleAndRepurchaseAgreementsMember_EBCD927976257ACAF6A854E35DBD9F92" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_B02499DF26279CA27A9854E35DBC81F0" xlink:to="loc_schw_ResaleAndRepurchaseAgreementsMember_EBCD927976257ACAF6A854E35DBD9F92" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAssetsLineItems" xlink:label="loc_us-gaap_OffsettingAssetsLineItems_9788ED01092C202F632754E35DBD9B03" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAssetsTable_FA27C783CC8A40459ABE54E35DB7C942" xlink:to="loc_us-gaap_OffsettingAssetsLineItems_9788ED01092C202F632754E35DBD9B03" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_PercentageOfCollateralToRelatedAssets" xlink:label="loc_schw_PercentageOfCollateralToRelatedAssets_AEA9431E8CC402EC186754E35DBD8235" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_9788ED01092C202F632754E35DBD9B03" xlink:to="loc_schw_PercentageOfCollateralToRelatedAssets_AEA9431E8CC402EC186754E35DBD8235" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged" xlink:label="loc_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_82098AF388D3B2454BF654E35DBEB0CC" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_9788ED01092C202F632754E35DBD9B03" xlink:to="loc_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_82098AF388D3B2454BF654E35DBEB0CC" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/FinancialInstrumentsSubjectToOffBalanceSheetCreditRiskSummaryOfFairValueOfClientSecuritiesAvailableToUtilizeAsCollateralAndAmountsPledgedDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAbstract" xlink:label="loc_us-gaap_OffsettingAbstract_0B49BCB7E43BFD96D80154E35D666259" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesFinancingTransactionTable" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTable_58483615437483E2817F54E35D663EA4" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAbstract_0B49BCB7E43BFD96D80154E35D666259" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTable_58483615437483E2817F54E35D663EA4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesFinancingTransactionAxis" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionAxis_F67671797A296D60F6A554E35D66086B" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTable_58483615437483E2817F54E35D663EA4" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionAxis_F67671797A296D60F6A554E35D66086B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesFinancingTransactionTypeDomain" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_31573DAD7331EEA601D954E35D673325" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionAxis_F67671797A296D60F6A554E35D66086B" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_31573DAD7331EEA601D954E35D673325" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FulfillmentofRequirementswithOptionsClearingCorporationMember" xlink:label="loc_schw_FulfillmentofRequirementswithOptionsClearingCorporationMember_FD76FCCBDD0C7063C98554E35D67C77F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_31573DAD7331EEA601D954E35D673325" xlink:to="loc_schw_FulfillmentofRequirementswithOptionsClearingCorporationMember_FD76FCCBDD0C7063C98554E35D67C77F" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FulfillmentofClientShortSalesMember" xlink:label="loc_schw_FulfillmentofClientShortSalesMember_5DF984C7E83221D3671354E35D67199B" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_31573DAD7331EEA601D954E35D673325" xlink:to="loc_schw_FulfillmentofClientShortSalesMember_5DF984C7E83221D3671354E35D67199B" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SecuritiesLendingtoOtherBrokerDealersMember" xlink:label="loc_schw_SecuritiesLendingtoOtherBrokerDealersMember_F4BF49E8C55B2BDE25C454E35D67DEB0" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_31573DAD7331EEA601D954E35D673325" xlink:to="loc_schw_SecuritiesLendingtoOtherBrokerDealersMember_F4BF49E8C55B2BDE25C454E35D67DEB0" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FullyPaidClientSecuritiesMember" xlink:label="loc_schw_FullyPaidClientSecuritiesMember_589793D3F588B6BD01A654E35D686A8A" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_31573DAD7331EEA601D954E35D673325" xlink:to="loc_schw_FullyPaidClientSecuritiesMember_589793D3F588B6BD01A654E35D686A8A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SecuritiesFinancingTransactionLineItems" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionLineItems_F288DF35D81CE66BC19B54E35D684CA0" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTable_58483615437483E2817F54E35D663EA4" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionLineItems_F288DF35D81CE66BC19B54E35D684CA0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged" xlink:label="loc_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_BD35736C18DB43DDB60C54E35D68A811" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_F288DF35D81CE66BC19B54E35D684CA0" xlink:to="loc_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_BD35736C18DB43DDB60C54E35D68A811" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatHaveBeenResoldOrRepledged" xlink:label="loc_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatHaveBeenResoldOrRepledged_DF76A70592E2F9E996DC54E35D684FDA" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_F288DF35D81CE66BC19B54E35D684CA0" xlink:to="loc_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatHaveBeenResoldOrRepledged_DF76A70592E2F9E996DC54E35D684FDA" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/FinancialInstrumentsSubjectToOffBalanceSheetCreditRiskTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OffsettingAbstract" xlink:label="loc_us-gaap_OffsettingAbstract_88A0BA05EC0846E22F9D54E35DDA1EAF" xlink:type="locator" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OffsettingAssetsAndLiabilitiesTableTextBlock" xlink:label="loc_schw_OffsettingAssetsAndLiabilitiesTableTextBlock_DA3D540E3F6F24E198F154E35DDF2C97" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAbstract_88A0BA05EC0846E22F9D54E35DDA1EAF" xlink:to="loc_schw_OffsettingAssetsAndLiabilitiesTableTextBlock_DA3D540E3F6F24E198F154E35DDF2C97" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_ScheduleofSecuritiesFinancingTransactionsSecuritiesAvailabletoUtilizeasCollateralandAmountsPledgedTableTextBlock" xlink:label="loc_schw_ScheduleofSecuritiesFinancingTransactionsSecuritiesAvailabletoUtilizeasCollateralandAmountsPledgedTableTextBlock_CE681ECF97CE47E3468854E35DE032CC" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAbstract_88A0BA05EC0846E22F9D54E35DDA1EAF" xlink:to="loc_schw_ScheduleofSecuritiesFinancingTransactionsSecuritiesAvailabletoUtilizeasCollateralandAmountsPledgedTableTextBlock_CE681ECF97CE47E3468854E35DE032CC" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/IntroductionAndBasisOfPresentation" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_66A938801FED330321C154E35FEA1753" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_B179A4C05BB4435A03FB54E35FEADA09" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_66A938801FED330321C154E35FEA1753" xlink:to="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_B179A4C05BB4435A03FB54E35FEADA09" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/InvestmentSecurities" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_C2EF67D1482C05C95F2654E35FA8B7DF" xlink:type="locator" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SecuritiesAvailableForSaleAndHeldToMaturityTextBlock" xlink:label="loc_schw_SecuritiesAvailableForSaleAndHeldToMaturityTextBlock_48EB1FB3F50700A56A0A54E35FA83935" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_C2EF67D1482C05C95F2654E35FA8B7DF" xlink:to="loc_schw_SecuritiesAvailableForSaleAndHeldToMaturityTextBlock_48EB1FB3F50700A56A0A54E35FA83935" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/InvestmentSecuritiesAmortizedCostGrossUnrealizedGainsAndLossesAndFairValueOfSecuritiesAvailableForSaleAndHeldToMaturitySecuritiesDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_83BABFD179334CB4F1B8D10D0DAD9452" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_8BD51D5114E4E73F89E1D10D0DADEB52" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_83BABFD179334CB4F1B8D10D0DAD9452" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_8BD51D5114E4E73F89E1D10D0DADEB52" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_0834DCDEAD802FF3230FD10D0DAD3C62" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_8BD51D5114E4E73F89E1D10D0DADEB52" xlink:to="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_0834DCDEAD802FF3230FD10D0DAD3C62" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_0834DCDEAD802FF3230FD10D0DAD3C62" xlink:to="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_B4F97F540C600DD69149D10D0DAEB818" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_B4F97F540C600DD69149D10D0DAEB818" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_9E87FBED9F23B0847C69D10D0DAE4ADD" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_9E87FBED9F23B0847C69D10D0DAE4ADD" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetBackedSecuritiesMember" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_606B1A2683A0CE3D2F2CD10D0DAFA657" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_606B1A2683A0CE3D2F2CD10D0DAFA657" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_8FB967E79FBB48E4336AD117036D0D83" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_8FB967E79FBB48E4336AD117036D0D83" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertificatesOfDepositMember" xlink:label="loc_us-gaap_CertificatesOfDepositMember_AABFE09CB002A2792DB0D10D0DAFA86F" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_us-gaap_CertificatesOfDepositMember_AABFE09CB002A2792DB0D10D0DAFA86F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:label="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_F339CCF424E1C97A64C5D10D0DAFF971" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_F339CCF424E1C97A64C5D10D0DAFF971" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_2C99DB3D975B7DBBF1BED10D0DAFE153" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_2C99DB3D975B7DBBF1BED10D0DAFE153" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialPaperMember" xlink:label="loc_us-gaap_CommercialPaperMember_D8A067417B2153A37560D10D0DAFC4CB" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_us-gaap_CommercialPaperMember_D8A067417B2153A37560D10D0DAFC4CB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:label="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_34C4BCFB1A03DC0C1BF5D10D0DB012CB" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_34C4BCFB1A03DC0C1BF5D10D0DB012CB" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember" xlink:label="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_332F93344CF1CDAFAB46D10D0DB0EDBA" xlink:type="locator" />
    <link:presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_332F93344CF1CDAFAB46D10D0DB0EDBA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_338CCD09AC5D38A47D7FD10D0DB0F70F" xlink:type="locator" />
    <link:presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_338CCD09AC5D38A47D7FD10D0DB0F70F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CollateralizedCreditCardSecuritiesMember" xlink:label="loc_us-gaap_CollateralizedCreditCardSecuritiesMember_9AB0C1EBA2E58058E1A7D10D0DB08139" xlink:type="locator" />
    <link:presentationArc order="12" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_us-gaap_CollateralizedCreditCardSecuritiesMember_9AB0C1EBA2E58058E1A7D10D0DB08139" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_509EA0F3A7C64A9E8D9FD10D0DB059D2" xlink:type="locator" />
    <link:presentationArc order="13" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_509EA0F3A7C64A9E8D9FD10D0DB059D2" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CorporateDebtSecuritiesIssuedByFinancialServicesIndustryMember" xlink:label="loc_schw_CorporateDebtSecuritiesIssuedByFinancialServicesIndustryMember_BF01308A24A9CFF03400D116B5807E5E" xlink:type="locator" />
    <link:presentationArc order="14" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_schw_CorporateDebtSecuritiesIssuedByFinancialServicesIndustryMember_BF01308A24A9CFF03400D116B5807E5E" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CorporateDebtSecuritiesInformationTechnologyMember" xlink:label="loc_schw_CorporateDebtSecuritiesInformationTechnologyMember_BECCC49BD5EEA05B38E7D10D0DB01E0C" xlink:type="locator" />
    <link:presentationArc order="15" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_F597D2DE4CDE59A6591FD10D0DAE5DC1" xlink:to="loc_schw_CorporateDebtSecuritiesInformationTechnologyMember_BECCC49BD5EEA05B38E7D10D0DB01E0C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_7D8BA12B3AF60F7ED479D10D0DB1728A" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_8BD51D5114E4E73F89E1D10D0DADEB52" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_7D8BA12B3AF60F7ED479D10D0DB1728A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAbstract" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_088B0EBC6183420AB258D10D0DB64F38" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_7D8BA12B3AF60F7ED479D10D0DB1728A" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_088B0EBC6183420AB258D10D0DB64F38" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_872DE2DDECD88A617601D10D0DB7C145" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_088B0EBC6183420AB258D10D0DB64F38" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_872DE2DDECD88A617601D10D0DB7C145" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_0A8B85DC4D2BA18ED567D10D0DB7FEB4" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_088B0EBC6183420AB258D10D0DB64F38" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_0A8B85DC4D2BA18ED567D10D0DB7FEB4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_F88EE69BE529601EE5CDD10D0DB72013" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_088B0EBC6183420AB258D10D0DB64F38" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_F88EE69BE529601EE5CDD10D0DB72013" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_F26E4DED0997AA145193D10D0DB8E3E3" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_088B0EBC6183420AB258D10D0DB64F38" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_F26E4DED0997AA145193D10D0DB8E3E3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent_CF257737F9988B68F71DD10D0DB98CD4" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_088B0EBC6183420AB258D10D0DB64F38" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecuritiesCurrent_CF257737F9988B68F71DD10D0DB98CD4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAbstract" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAbstract_F472663BC6082FEE00ECD10D0DB8F8CF" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_7D8BA12B3AF60F7ED479D10D0DB1728A" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAbstract_F472663BC6082FEE00ECD10D0DB8F8CF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="loc_us-gaap_HeldToMaturitySecurities_D6133EF8D2C44E76AC38D10D0DB8CEAC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_F472663BC6082FEE00ECD10D0DB8F8CF" xlink:to="loc_us-gaap_HeldToMaturitySecurities_D6133EF8D2C44E76AC38D10D0DB8CEAC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_F747C836F1668612B844D10D0DB826F5" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_F472663BC6082FEE00ECD10D0DB8F8CF" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_F747C836F1668612B844D10D0DB826F5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_FA1C23C85A8C8B6D8EFBD10D0DB8A966" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_F472663BC6082FEE00ECD10D0DB8F8CF" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_FA1C23C85A8C8B6D8EFBD10D0DB8A966" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_C3A619DFC0B6FBD8216BD10D0DB9E3D6" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_F472663BC6082FEE00ECD10D0DB8F8CF" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_C3A619DFC0B6FBD8216BD10D0DB9E3D6" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_ConcentrationRiskAssetBackedSecurities" xlink:label="loc_schw_ConcentrationRiskAssetBackedSecurities_D03242FB432C1F1D1C4AD10D0DB9DBA7" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_7D8BA12B3AF60F7ED479D10D0DB1728A" xlink:to="loc_schw_ConcentrationRiskAssetBackedSecurities_D03242FB432C1F1D1C4AD10D0DB9DBA7" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_ConcentrationRiskAvailableForSaleAndHeldToMaturitySecurities" xlink:label="loc_schw_ConcentrationRiskAvailableForSaleAndHeldToMaturitySecurities_176B1CD469DBE26B5019D10D0DB993D1" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_7D8BA12B3AF60F7ED479D10D0DB1728A" xlink:to="loc_schw_ConcentrationRiskAvailableForSaleAndHeldToMaturitySecurities_176B1CD469DBE26B5019D10D0DB993D1" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/InvestmentSecuritiesAvailableForSaleAndHeldToMaturitySecuritiesWithUnrealizedLossesAggregatedByCategoryAndPeriodOfContinuousUnrealizedLossDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_CD808BF4B46404109BCB54E35F8DE190" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_FEDA84118DECDF788A5954E35F8DD056" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_CD808BF4B46404109BCB54E35F8DE190" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_FEDA84118DECDF788A5954E35F8DD056" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_977D316DAA810DD76E9654E35F8D8209" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_FEDA84118DECDF788A5954E35F8DD056" xlink:to="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_977D316DAA810DD76E9654E35F8D8209" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_B45881833F99782F5A8B54E35F8D643A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_977D316DAA810DD76E9654E35F8D8209" xlink:to="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_B45881833F99782F5A8B54E35F8D643A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_9547C92525CFEBAC79A654E35F8E0AB3" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_B45881833F99782F5A8B54E35F8D643A" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_9547C92525CFEBAC79A654E35F8E0AB3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_B51EA0E695B81F165D9154E35F8EB4EE" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_B45881833F99782F5A8B54E35F8D643A" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_B51EA0E695B81F165D9154E35F8EB4EE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetBackedSecuritiesMember" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_675AD0BFE965FC704EE654E35F8E7BBD" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_B45881833F99782F5A8B54E35F8D643A" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_675AD0BFE965FC704EE654E35F8E7BBD" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_737EEE8C6340CC99230754E35F8ECC32" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_B45881833F99782F5A8B54E35F8D643A" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_737EEE8C6340CC99230754E35F8ECC32" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertificatesOfDepositMember" xlink:label="loc_us-gaap_CertificatesOfDepositMember_9483032B5868206A6CC754E35F8FA48F" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_B45881833F99782F5A8B54E35F8D643A" xlink:to="loc_us-gaap_CertificatesOfDepositMember_9483032B5868206A6CC754E35F8FA48F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:label="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_1B9B77CC2C3B6E7D3F7854E35F8FCB56" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_B45881833F99782F5A8B54E35F8D643A" xlink:to="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_1B9B77CC2C3B6E7D3F7854E35F8FCB56" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:label="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_AE9FD5D79E091E9BBC6254E35F8FD2F5" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_B45881833F99782F5A8B54E35F8D643A" xlink:to="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_AE9FD5D79E091E9BBC6254E35F8FD2F5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_A4F71853A9FE9809DB0C54E35F8FC2D2" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_B45881833F99782F5A8B54E35F8D643A" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_A4F71853A9FE9809DB0C54E35F8FC2D2" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember" xlink:label="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_AFCF559736703E794F1E54E35F8FC3AD" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_B45881833F99782F5A8B54E35F8D643A" xlink:to="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_AFCF559736703E794F1E54E35F8FC3AD" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_73C7EC1001B96CF6F2C554E35F90CE0B" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_FEDA84118DECDF788A5954E35F8DD056" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_73C7EC1001B96CF6F2C554E35F90CE0B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_231B718E9BEAA9D3AA3254E35F9003B9" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_73C7EC1001B96CF6F2C554E35F90CE0B" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_231B718E9BEAA9D3AA3254E35F9003B9" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_6D142EC9A56A32ED059554E35F90096F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_231B718E9BEAA9D3AA3254E35F9003B9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_6D142EC9A56A32ED059554E35F90096F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_A9081296403B8A7A611C54E35F912506" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_231B718E9BEAA9D3AA3254E35F9003B9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_A9081296403B8A7A611C54E35F912506" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_B3524B8F8C137E61BA9C54E35F916617" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_231B718E9BEAA9D3AA3254E35F9003B9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_B3524B8F8C137E61BA9C54E35F916617" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_4DC3480789D147F5101054E35F914B56" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_231B718E9BEAA9D3AA3254E35F9003B9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_4DC3480789D147F5101054E35F914B56" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_8098B3401B4837E43F3754E35F919D25" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_231B718E9BEAA9D3AA3254E35F9003B9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_8098B3401B4837E43F3754E35F919D25" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss_9EA943D6304AD6DD48D554E35F9126F4" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAbstract_231B718E9BEAA9D3AA3254E35F9003B9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss_9EA943D6304AD6DD48D554E35F9126F4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract_9A5F36F3BC44E3BFB4D654E35F919FC1" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_73C7EC1001B96CF6F2C554E35F90CE0B" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract_9A5F36F3BC44E3BFB4D654E35F919FC1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_A2576DEB2883C3266ECC54E35F92738C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract_9A5F36F3BC44E3BFB4D654E35F919FC1" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_A2576DEB2883C3266ECC54E35F92738C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_8EA1DE2AE9756BCAAF3A54E35F926B37" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract_9A5F36F3BC44E3BFB4D654E35F919FC1" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_8EA1DE2AE9756BCAAF3A54E35F926B37" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_BAD493E54DAB54F8097354E35F92B3F2" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract_9A5F36F3BC44E3BFB4D654E35F919FC1" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_BAD493E54DAB54F8097354E35F92B3F2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_9BB9C5CFCB65A8DDC1A454E35F9200AA" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract_9A5F36F3BC44E3BFB4D654E35F919FC1" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_9BB9C5CFCB65A8DDC1A454E35F9200AA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_51FCFAEAB964E7B942B654E35F926624" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract_9A5F36F3BC44E3BFB4D654E35F919FC1" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_51FCFAEAB964E7B942B654E35F926624" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss_98572E4A447E1A342CAF54E35F93F3E8" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAbstract_9A5F36F3BC44E3BFB4D654E35F919FC1" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss_98572E4A447E1A342CAF54E35F93F3E8" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_ContinuousUnrealizedLossPositionAbstract" xlink:label="loc_schw_ContinuousUnrealizedLossPositionAbstract_417E872AD4D7C8ABCD0D54E35F9355F2" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_73C7EC1001B96CF6F2C554E35F90CE0B" xlink:to="loc_schw_ContinuousUnrealizedLossPositionAbstract_417E872AD4D7C8ABCD0D54E35F9355F2" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="loc_schw_SecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_B8FB40D24A97B8DF526B54E35F937D67" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_ContinuousUnrealizedLossPositionAbstract_417E872AD4D7C8ABCD0D54E35F9355F2" xlink:to="loc_schw_SecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_B8FB40D24A97B8DF526B54E35F937D67" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLoss" xlink:label="loc_schw_SecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLoss_711E5F14560D29539F8554E35F936D80" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_ContinuousUnrealizedLossPositionAbstract_417E872AD4D7C8ABCD0D54E35F9355F2" xlink:to="loc_schw_SecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLoss_711E5F14560D29539F8554E35F936D80" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="loc_schw_SecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_104F08BBD43CF7E9387F54E35F9336BA" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_ContinuousUnrealizedLossPositionAbstract_417E872AD4D7C8ABCD0D54E35F9355F2" xlink:to="loc_schw_SecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_104F08BBD43CF7E9387F54E35F9336BA" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLoss" xlink:label="loc_schw_SecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLoss_1EFE4741D043E66A0E7C54E35F940691" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_ContinuousUnrealizedLossPositionAbstract_417E872AD4D7C8ABCD0D54E35F9355F2" xlink:to="loc_schw_SecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLoss_1EFE4741D043E66A0E7C54E35F940691" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SecuritiesWithUnrealizedLossesTotalFairValue" xlink:label="loc_schw_SecuritiesWithUnrealizedLossesTotalFairValue_819BB9D4B8FA727562F754E35F948627" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_ContinuousUnrealizedLossPositionAbstract_417E872AD4D7C8ABCD0D54E35F9355F2" xlink:to="loc_schw_SecuritiesWithUnrealizedLossesTotalFairValue_819BB9D4B8FA727562F754E35F948627" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SecuritiesWithUnrealizedLossesTotalUnrealizedLoss" xlink:label="loc_schw_SecuritiesWithUnrealizedLossesTotalUnrealizedLoss_C9B825E2FFEB15CBFF2154E35F94B9B5" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_ContinuousUnrealizedLossPositionAbstract_417E872AD4D7C8ABCD0D54E35F9355F2" xlink:to="loc_schw_SecuritiesWithUnrealizedLossesTotalUnrealizedLoss_C9B825E2FFEB15CBFF2154E35F94B9B5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1" xlink:label="loc_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_D45D7CDB55408049F5AE54E35F945DB7" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_73C7EC1001B96CF6F2C554E35F90CE0B" xlink:to="loc_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1_D45D7CDB55408049F5AE54E35F945DB7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions_CA0B182DEEE312AC513554E35F94B0D9" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_73C7EC1001B96CF6F2C554E35F90CE0B" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions_CA0B182DEEE312AC513554E35F94B0D9" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/InvestmentSecuritiesMaturitiesOfSecuritiesAvailableForSaleAndHeldToMaturityDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_E3C79249A22995F0CD1A89025EFD4F0B" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_B30208EB056EC336B9FF89025EFDD085" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_E3C79249A22995F0CD1A89025EFD4F0B" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_B30208EB056EC336B9FF89025EFDD085" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_E4C67FAFD620BC4464C189025EFE6D92" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_B30208EB056EC336B9FF89025EFDD085" xlink:to="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_E4C67FAFD620BC4464C189025EFE6D92" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis_E4C67FAFD620BC4464C189025EFE6D92" xlink:to="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_897BF3E01ACF405BF1E789025EFFAA23" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_897BF3E01ACF405BF1E789025EFFAA23" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USTreasurySecuritiesMember" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_3C6C298D26EB86B421E689025EFFCDDB" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_3C6C298D26EB86B421E689025EFFCDDB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetBackedSecuritiesMember" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_AB1E6C7865E7DAE7FA4E89025EFFD030" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_AB1E6C7865E7DAE7FA4E89025EFFD030" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_0B9EFA10F6F40F71F8D889025EFFA977" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_0B9EFA10F6F40F71F8D889025EFFA977" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CertificatesOfDepositMember" xlink:label="loc_us-gaap_CertificatesOfDepositMember_1BE7AA010535A6F959A889025EFFB992" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:to="loc_us-gaap_CertificatesOfDepositMember_1BE7AA010535A6F959A889025EFFB992" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:label="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_A80E497E7BA127BC2D7789025F0012F8" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:to="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_A80E497E7BA127BC2D7789025F0012F8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_49145D73F6D515265D2689025F00B408" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_49145D73F6D515265D2689025F00B408" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommercialPaperMember" xlink:label="loc_us-gaap_CommercialPaperMember_C5BD7D9DC8DF66CDBCEA89025F003D8A" xlink:type="locator" />
    <link:presentationArc order="8" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:to="loc_us-gaap_CommercialPaperMember_C5BD7D9DC8DF66CDBCEA89025F003D8A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:label="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_38E552673195ED13B0A089025F00CC39" xlink:type="locator" />
    <link:presentationArc order="9" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:to="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_38E552673195ED13B0A089025F00CC39" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember" xlink:label="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_04AC59937787960E27D889025F0045A2" xlink:type="locator" />
    <link:presentationArc order="10" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:to="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_04AC59937787960E27D889025F0045A2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_0BB4B7E19D05A7E3A0B68911D9C88510" xlink:type="locator" />
    <link:presentationArc order="11" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_9ECCA00D3669CB63C79689025EFE66AC" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_0BB4B7E19D05A7E3A0B68911D9C88510" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_735C79ED0FCD1F402A2D89025F002280" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_B30208EB056EC336B9FF89025EFDD085" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_735C79ED0FCD1F402A2D89025F002280" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_DFB4A28BDD7A345380D089025F01F513" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_735C79ED0FCD1F402A2D89025F002280" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_DFB4A28BDD7A345380D089025F01F513" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_A0F2147708442E9A7AB889025F010F2E" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_DFB4A28BDD7A345380D089025F01F513" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_A0F2147708442E9A7AB889025F010F2E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_29F665AEF1B6421B5F9089025F01BDE2" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_DFB4A28BDD7A345380D089025F01F513" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_29F665AEF1B6421B5F9089025F01BDE2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_CFA833B440EF1B246E5F89025F010098" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_DFB4A28BDD7A345380D089025F01F513" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_CFA833B440EF1B246E5F89025F010098" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_AAA5144915BDA3F5269489025F012EC1" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_DFB4A28BDD7A345380D089025F01F513" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_AAA5144915BDA3F5269489025F012EC1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_8A72F857E6FE76FAEE8389025F02700E" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_DFB4A28BDD7A345380D089025F01F513" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_8A72F857E6FE76FAEE8389025F02700E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_CFD858D13F24786CF17389025F028A19" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_735C79ED0FCD1F402A2D89025F002280" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_CFD858D13F24786CF17389025F028A19" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_FBB3D266987C9C29098789025F02F1A3" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_CFD858D13F24786CF17389025F028A19" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_FBB3D266987C9C29098789025F02F1A3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_BE5236F83774032EED9F89025F029220" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_CFD858D13F24786CF17389025F028A19" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_BE5236F83774032EED9F89025F029220" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_8F91CE3E7A3B48AB50DC89025F02DA5C" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_CFD858D13F24786CF17389025F028A19" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_8F91CE3E7A3B48AB50DC89025F02DA5C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_47B1655F95334932312489025F03C866" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_CFD858D13F24786CF17389025F028A19" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_47B1655F95334932312489025F03C866" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_B02C42193DA53F05C10489025F03B405" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_CFD858D13F24786CF17389025F028A19" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_B02C42193DA53F05C10489025F03B405" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_F71F1611A8FBEBF6B79889025F032434" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_735C79ED0FCD1F402A2D89025F002280" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_F71F1611A8FBEBF6B79889025F032434" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_721E1C8F146478141CAE89025F03AA03" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_F71F1611A8FBEBF6B79889025F032434" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_721E1C8F146478141CAE89025F03AA03" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_F822E90777BDC11F4D9D89025F04FB1F" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_F71F1611A8FBEBF6B79889025F032434" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_F822E90777BDC11F4D9D89025F04FB1F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_D89A2637BEF95274739489025F04BD8A" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_F71F1611A8FBEBF6B79889025F032434" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_D89A2637BEF95274739489025F04BD8A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_27231DE0F9388604EA3189025F0497C3" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_F71F1611A8FBEBF6B79889025F032434" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_27231DE0F9388604EA3189025F0497C3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_34AB3018E25670E4D4A189025F0430B3" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_F71F1611A8FBEBF6B79889025F032434" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_34AB3018E25670E4D4A189025F0430B3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_6FA477F1FC9FBF128CA789025F04CE27" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_735C79ED0FCD1F402A2D89025F002280" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_6FA477F1FC9FBF128CA789025F04CE27" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_9257AAA57E8533B99ECD89025F0424A3" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_6FA477F1FC9FBF128CA789025F04CE27" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_9257AAA57E8533B99ECD89025F0424A3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_BAC41E3D10D40EDBB78289025F057889" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_6FA477F1FC9FBF128CA789025F04CE27" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_BAC41E3D10D40EDBB78289025F057889" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount_2BEA936F71D24265464889025F053520" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_6FA477F1FC9FBF128CA789025F04CE27" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount_2BEA936F71D24265464889025F053520" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount_0FB7981D3158DFCC19B389025F05E693" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_6FA477F1FC9FBF128CA789025F04CE27" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount_0FB7981D3158DFCC19B389025F05E693" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="loc_us-gaap_HeldToMaturitySecurities_D080AC6FB41D07C7DB9589025F05976D" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_6FA477F1FC9FBF128CA789025F04CE27" xlink:to="loc_us-gaap_HeldToMaturitySecurities_D080AC6FB41D07C7DB9589025F05976D" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/InvestmentSecuritiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_026173027A102B029ECA54E35F9DDC2E" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_16C48FA18556A3D1329F54E35F9D819C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_026173027A102B029ECA54E35F9DDC2E" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_16C48FA18556A3D1329F54E35F9D819C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_710061541CB76996B5A154E35F9E60D7" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_16C48FA18556A3D1329F54E35F9D819C" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_710061541CB76996B5A154E35F9E60D7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_7E24F526C90F7A42443B54E35F9E7FFF" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_710061541CB76996B5A154E35F9E60D7" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_7E24F526C90F7A42443B54E35F9E7FFF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalHomeLoanBankOfSanFranciscoMember" xlink:label="loc_us-gaap_FederalHomeLoanBankOfSanFranciscoMember_975C525266E49C5B611D54E35F9E0880" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_7E24F526C90F7A42443B54E35F9E7FFF" xlink:to="loc_us-gaap_FederalHomeLoanBankOfSanFranciscoMember_975C525266E49C5B611D54E35F9E0880" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LineOfCreditFacilityAxis" xlink:label="loc_us-gaap_LineOfCreditFacilityAxis_60D1AAEE93E0E2309DA354E35F9F9884" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_16C48FA18556A3D1329F54E35F9D819C" xlink:to="loc_us-gaap_LineOfCreditFacilityAxis_60D1AAEE93E0E2309DA354E35F9F9884" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LineOfCreditFacilityLenderDomain" xlink:label="loc_us-gaap_LineOfCreditFacilityLenderDomain_4CB88A84AAD97665E40E54E35F9FF7AB" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityAxis_60D1AAEE93E0E2309DA354E35F9F9884" xlink:to="loc_us-gaap_LineOfCreditFacilityLenderDomain_4CB88A84AAD97665E40E54E35F9FF7AB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FederalReserveBankAdvancesMember" xlink:label="loc_us-gaap_FederalReserveBankAdvancesMember_EE79AB5DCDA4D54653DF54E35F9FA344" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_4CB88A84AAD97665E40E54E35F9FF7AB" xlink:to="loc_us-gaap_FederalReserveBankAdvancesMember_EE79AB5DCDA4D54653DF54E35F9FA344" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FinancialInstrumentAxis" xlink:label="loc_us-gaap_FinancialInstrumentAxis_6DAFC898C0704034451454E35F9F63CC" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_16C48FA18556A3D1329F54E35F9D819C" xlink:to="loc_us-gaap_FinancialInstrumentAxis_6DAFC898C0704034451454E35F9F63CC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13A7718A515274F8F6D054E35FA06E53" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_6DAFC898C0704034451454E35F9F63CC" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13A7718A515274F8F6D054E35FA06E53" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DepositsMember" xlink:label="loc_us-gaap_DepositsMember_2D6A40CB56A09DE2DBCD54E35FA0971A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13A7718A515274F8F6D054E35FA06E53" xlink:to="loc_us-gaap_DepositsMember_2D6A40CB56A09DE2DBCD54E35FA0971A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_42F70B3FFE3FFB853E0A54E35FA04BD5" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_16C48FA18556A3D1329F54E35F9D819C" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_42F70B3FFE3FFB853E0A54E35FA04BD5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_HeldToMaturitySecuritiesPledgedAsCollateral" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesPledgedAsCollateral_B50086456003C7D3F5D854E35FA0D323" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_42F70B3FFE3FFB853E0A54E35FA04BD5" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesPledgedAsCollateral_B50086456003C7D3F5D854E35FA0D323" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet" xlink:label="loc_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet_502AEF81B3D5FA04CF6654E35FA14177" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_42F70B3FFE3FFB853E0A54E35FA04BD5" xlink:to="loc_us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet_502AEF81B3D5FA04CF6654E35FA14177" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/InvestmentSecuritiesProceedsAndGrossRealizedGainsAndLossesFromSalesOfSecuritiesAvailableForSaleDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_0F74FD07E76A020A789854E35F7253BD" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_5527DB81AC27A33527CD54E35F72C9F3" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_0F74FD07E76A020A789854E35F7253BD" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_5527DB81AC27A33527CD54E35F72C9F3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_A31D3D1700B0F895660254E35F72E0E7" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_0F74FD07E76A020A789854E35F7253BD" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains_A31D3D1700B0F895660254E35F72E0E7" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/InvestmentSecuritiesTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_A643FC1324D7603D75AB54E35FA4A2A9" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock" xlink:label="loc_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock_D2E1BD26316953965CD154E35FA58F50" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_A643FC1324D7603D75AB54E35FA4A2A9" xlink:to="loc_us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock_D2E1BD26316953965CD154E35FA58F50" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_80C59D537EAE7F0331DF54E35FA58F97" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_A643FC1324D7603D75AB54E35FA4A2A9" xlink:to="loc_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_80C59D537EAE7F0331DF54E35FA58F97" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:label="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_BDD48FA0AA97E1E64F6C54E35FA5A262" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_A643FC1324D7603D75AB54E35FA4A2A9" xlink:to="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_BDD48FA0AA97E1E64F6C54E35FA5A262" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfRealizedGainLossTableTextBlock" xlink:label="loc_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_B70FAD1BABCABA541FFD54E35FA5ECB5" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_A643FC1324D7603D75AB54E35FA4A2A9" xlink:to="loc_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_B70FAD1BABCABA541FFD54E35FA5ECB5" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/NewAccountingStandards" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingChangesAndErrorCorrectionsAbstract" xlink:label="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_99DBABA93F994FEB106154E35FE5B87E" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:label="loc_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_89DF3560C99D2E6509F254E35FE5C5CF" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_99DBABA93F994FEB106154E35FE5B87E" xlink:to="loc_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_89DF3560C99D2E6509F254E35FE5C5CF" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/NewAccountingStandardsBalanceSheetDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingChangesAndErrorCorrectionsAbstract" xlink:label="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_9A0BA97D71F76D9E804954E35FC06DE5" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable" xlink:label="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_20449E041FEF09311C8854E35FC0A9F3" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_9A0BA97D71F76D9E804954E35FC06DE5" xlink:to="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_20449E041FEF09311C8854E35FC0A9F3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InitialApplicationPeriodCumulativeEffectTransitionAxis" xlink:label="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionAxis_164868EAFA8676342D9A54E35FC0B51D" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_20449E041FEF09311C8854E35FC0A9F3" xlink:to="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionAxis_164868EAFA8676342D9A54E35FC0B51D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InitialApplicationPeriodCumulativeEffectTransitionDomain" xlink:label="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionDomain_562BD83840ED9A6BF5D954E35FC083F2" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionAxis_164868EAFA8676342D9A54E35FC0B51D" xlink:to="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionDomain_562BD83840ED9A6BF5D954E35FC083F2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CalculatedUnderRevenueGuidanceInEffectBeforeTopic606Member" xlink:label="loc_us-gaap_CalculatedUnderRevenueGuidanceInEffectBeforeTopic606Member_5E44E508353A9A7A1D9854E35FC1ED1D" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionDomain_562BD83840ED9A6BF5D954E35FC083F2" xlink:to="loc_us-gaap_CalculatedUnderRevenueGuidanceInEffectBeforeTopic606Member_5E44E508353A9A7A1D9854E35FC1ED1D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DifferenceBetweenRevenueGuidanceInEffectBeforeAndAfterTopic606Member" xlink:label="loc_us-gaap_DifferenceBetweenRevenueGuidanceInEffectBeforeAndAfterTopic606Member_0C17A0DF600F92EEC01054E35FC177A3" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionDomain_562BD83840ED9A6BF5D954E35FC083F2" xlink:to="loc_us-gaap_DifferenceBetweenRevenueGuidanceInEffectBeforeAndAfterTopic606Member_0C17A0DF600F92EEC01054E35FC177A3" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:label="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_A42641172A24774BEDF854E35FC170BF" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_20449E041FEF09311C8854E35FC0A9F3" xlink:to="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_A42641172A24774BEDF854E35FC170BF" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TypeOfAdoptionMember" xlink:label="loc_us-gaap_TypeOfAdoptionMember_AAB8405391F55AA0F77954E35FC14FD9" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_A42641172A24774BEDF854E35FC170BF" xlink:to="loc_us-gaap_TypeOfAdoptionMember_AAB8405391F55AA0F77954E35FC14FD9" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingStandardsUpdate201409Member" xlink:label="loc_us-gaap_AccountingStandardsUpdate201409Member_065EF092C2C8324C0A4554E35FC2E2A0" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfAdoptionMember_AAB8405391F55AA0F77954E35FC14FD9" xlink:to="loc_us-gaap_AccountingStandardsUpdate201409Member_065EF092C2C8324C0A4554E35FC2E2A0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems" xlink:label="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_196E2C428305607DDCCC54E35FC2A00A" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_20449E041FEF09311C8854E35FC0A9F3" xlink:to="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_196E2C428305607DDCCC54E35FC2A00A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="loc_us-gaap_AssetsAbstract_71AFC4A89655E8CC48F054E35FC29C38" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_196E2C428305607DDCCC54E35FC2A00A" xlink:to="loc_us-gaap_AssetsAbstract_71AFC4A89655E8CC48F054E35FC29C38" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaap_OtherAssets_202C61176887B331B24154E35FC2556F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_71AFC4A89655E8CC48F054E35FC29C38" xlink:to="loc_us-gaap_OtherAssets_202C61176887B331B24154E35FC2556F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityAbstract" xlink:label="loc_us-gaap_EquityAbstract_40CE0D74B57F3E7AD25254E35FC3BC91" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_196E2C428305607DDCCC54E35FC2A00A" xlink:to="loc_us-gaap_EquityAbstract_40CE0D74B57F3E7AD25254E35FC3BC91" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_0F30E685F682BFCBD8FF54E35FC3937B" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_40CE0D74B57F3E7AD25254E35FC3BC91" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_0F30E685F682BFCBD8FF54E35FC3937B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalizedContractCostNet" xlink:label="loc_us-gaap_CapitalizedContractCostNet_97157A62B1AF2606435554E35FC34376" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_196E2C428305607DDCCC54E35FC2A00A" xlink:to="loc_us-gaap_CapitalizedContractCostNet_97157A62B1AF2606435554E35FC34376" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxLiabilities" xlink:label="loc_us-gaap_DeferredTaxLiabilities_E013FCB9B2544CBE485054E35FC3C8C5" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_196E2C428305607DDCCC54E35FC2A00A" xlink:to="loc_us-gaap_DeferredTaxLiabilities_E013FCB9B2544CBE485054E35FC3C8C5" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/NewAccountingStandardsDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingChangesAndErrorCorrectionsAbstract" xlink:label="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_96C43532A0A2313BBCE3D10D0E64530B" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable" xlink:label="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_97D1D86A7F23C9F88032D10D0E65A9CB" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_96C43532A0A2313BBCE3D10D0E64530B" xlink:to="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_97D1D86A7F23C9F88032D10D0E65A9CB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:label="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_5C8D8CD2309F3371BD28D10D0E651354" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_97D1D86A7F23C9F88032D10D0E65A9CB" xlink:to="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_5C8D8CD2309F3371BD28D10D0E651354" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TypeOfAdoptionMember" xlink:label="loc_us-gaap_TypeOfAdoptionMember_B8F7817D0603466BF82AD10D0E6643B9" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_5C8D8CD2309F3371BD28D10D0E651354" xlink:to="loc_us-gaap_TypeOfAdoptionMember_B8F7817D0603466BF82AD10D0E6643B9" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingStandardsUpdate201409Member" xlink:label="loc_us-gaap_AccountingStandardsUpdate201409Member_A27BE59FB3CC1887C331D10D0E66F2BC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfAdoptionMember_B8F7817D0603466BF82AD10D0E6643B9" xlink:to="loc_us-gaap_AccountingStandardsUpdate201409Member_A27BE59FB3CC1887C331D10D0E66F2BC" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_AccountingStandardsUpdate201802Member" xlink:label="loc_schw_AccountingStandardsUpdate201802Member_CFA962A10B0FCCA93916D10D0E660C8C" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfAdoptionMember_B8F7817D0603466BF82AD10D0E6643B9" xlink:to="loc_schw_AccountingStandardsUpdate201802Member_CFA962A10B0FCCA93916D10D0E660C8C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingStandardsUpdate201602Member" xlink:label="loc_us-gaap_AccountingStandardsUpdate201602Member_61245374B56F1E307B7BD10D0E667BB9" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfAdoptionMember_B8F7817D0603466BF82AD10D0E6643B9" xlink:to="loc_us-gaap_AccountingStandardsUpdate201602Member_61245374B56F1E307B7BD10D0E667BB9" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems" xlink:label="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_5B24D4CE963E95B74F38D10D0E667B14" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_97D1D86A7F23C9F88032D10D0E65A9CB" xlink:to="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_5B24D4CE963E95B74F38D10D0E667B14" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalizedContractCostGross" xlink:label="loc_us-gaap_CapitalizedContractCostGross_8B1A1FEB4DECE3F3507ED10D0E675C64" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_5B24D4CE963E95B74F38D10D0E667B14" xlink:to="loc_us-gaap_CapitalizedContractCostGross_8B1A1FEB4DECE3F3507ED10D0E675C64" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxLiabilities" xlink:label="loc_us-gaap_DeferredTaxLiabilities_3894AC446766E89C11E0D10D0E67D1FD" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_5B24D4CE963E95B74F38D10D0E667B14" xlink:to="loc_us-gaap_DeferredTaxLiabilities_3894AC446766E89C11E0D10D0E67D1FD" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_TaxCutsandJobsActReclassificationfromAOCItoRetainedEarningsTaxEffect" xlink:label="loc_schw_TaxCutsandJobsActReclassificationfromAOCItoRetainedEarningsTaxEffect_29DD0515253C870BF167D10D0E67CA3A" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_5B24D4CE963E95B74F38D10D0E667B14" xlink:to="loc_schw_TaxCutsandJobsActReclassificationfromAOCItoRetainedEarningsTaxEffect_29DD0515253C870BF167D10D0E67CA3A" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_LeaseAssetsAndLiabilitiesPercentageOfTotalAssets" xlink:label="loc_schw_LeaseAssetsAndLiabilitiesPercentageOfTotalAssets_F092B7A22EBD11DF31B7D10D0E677BEE" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_5B24D4CE963E95B74F38D10D0E667B14" xlink:to="loc_schw_LeaseAssetsAndLiabilitiesPercentageOfTotalAssets_F092B7A22EBD11DF31B7D10D0E677BEE" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/NewAccountingStandardsPolicy" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingChangesAndErrorCorrectionsAbstract" xlink:label="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_72BC2941527DEB0E629554E35FE10513" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_7538D6FAE0B063488E4E54E35FE1A80E" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_72BC2941527DEB0E629554E35FE10513" xlink:to="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_7538D6FAE0B063488E4E54E35FE1A80E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock" xlink:label="loc_us-gaap_ConsolidationPolicyTextBlock_78A7591BF4962512790A54E35FE22D75" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_72BC2941527DEB0E629554E35FE10513" xlink:to="loc_us-gaap_ConsolidationPolicyTextBlock_78A7591BF4962512790A54E35FE22D75" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_26BC2F881FE1702AAA0454E35FE2D78A" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_72BC2941527DEB0E629554E35FE10513" xlink:to="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_26BC2F881FE1702AAA0454E35FE2D78A" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/NewAccountingStandardsReclassificationOfCertainTaxEffectsFromAccumulatedOtherComprehensiveIncomeDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingChangesAndErrorCorrectionsAbstract" xlink:label="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_DDC566645EBFF3E26BA489025F7370B8" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable" xlink:label="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_22A8CCADFFD3FF5A4FC289025F73F412" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_DDC566645EBFF3E26BA489025F7370B8" xlink:to="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_22A8CCADFFD3FF5A4FC289025F73F412" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:label="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_94521075E34D4348DBC489025F73FC2E" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_22A8CCADFFD3FF5A4FC289025F73F412" xlink:to="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_94521075E34D4348DBC489025F73FC2E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TypeOfAdoptionMember" xlink:label="loc_us-gaap_TypeOfAdoptionMember_E257D96220078C7B4AA489025F7325F9" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_94521075E34D4348DBC489025F73FC2E" xlink:to="loc_us-gaap_TypeOfAdoptionMember_E257D96220078C7B4AA489025F7325F9" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_AccountingStandardsUpdate201409And201802Member" xlink:label="loc_schw_AccountingStandardsUpdate201409And201802Member_84BECA992FFDF20960B989025F74C330" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfAdoptionMember_E257D96220078C7B4AA489025F7325F9" xlink:to="loc_schw_AccountingStandardsUpdate201409And201802Member_84BECA992FFDF20960B989025F74C330" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingStandardsUpdate201409Member" xlink:label="loc_us-gaap_AccountingStandardsUpdate201409Member_C1CFC593D247D85884A089025F748783" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfAdoptionMember_E257D96220078C7B4AA489025F7325F9" xlink:to="loc_us-gaap_AccountingStandardsUpdate201409Member_C1CFC593D247D85884A089025F748783" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_AccountingStandardsUpdate201802Member" xlink:label="loc_schw_AccountingStandardsUpdate201802Member_2D0A7C5876861BD7CC4689025F74B0E1" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfAdoptionMember_E257D96220078C7B4AA489025F7325F9" xlink:to="loc_schw_AccountingStandardsUpdate201802Member_2D0A7C5876861BD7CC4689025F74B0E1" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_RestatementAxis" xlink:label="loc_schw_RestatementAxis_EFB4322C81D4386FA40489025F743D95" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_22A8CCADFFD3FF5A4FC289025F73F412" xlink:to="loc_schw_RestatementAxis_EFB4322C81D4386FA40489025F743D95" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_RestatementDomain" xlink:label="loc_schw_RestatementDomain_E34AFF5EF616EAD395C789025F74BEAD" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_RestatementAxis_EFB4322C81D4386FA40489025F743D95" xlink:to="loc_schw_RestatementDomain_E34AFF5EF616EAD395C789025F74BEAD" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RestatementAdjustmentMember" xlink:label="loc_us-gaap_RestatementAdjustmentMember_4894914FA334776513EF89025F75B848" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_RestatementDomain_E34AFF5EF616EAD395C789025F74BEAD" xlink:to="loc_us-gaap_RestatementAdjustmentMember_4894914FA334776513EF89025F75B848" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems" xlink:label="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_9D489469FCD4BD51245989025F75C270" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_22A8CCADFFD3FF5A4FC289025F73F412" xlink:to="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_9D489469FCD4BD51245989025F75C270" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="loc_us-gaap_AssetsAbstract_C4E8AB1BAA658D21CF4589025F752A12" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_9D489469FCD4BD51245989025F75C270" xlink:to="loc_us-gaap_AssetsAbstract_C4E8AB1BAA658D21CF4589025F752A12" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaap_OtherAssets_665C52D03DDFAB78CEEA89025F76B88A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_C4E8AB1BAA658D21CF4589025F752A12" xlink:to="loc_us-gaap_OtherAssets_665C52D03DDFAB78CEEA89025F76B88A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityAbstract" xlink:label="loc_us-gaap_EquityAbstract_76B4C9C3286FDCB2716C89025F7658F7" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_9D489469FCD4BD51245989025F75C270" xlink:to="loc_us-gaap_EquityAbstract_76B4C9C3286FDCB2716C89025F7658F7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_7A5E34DA65C973FFDBE089025F760279" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_76B4C9C3286FDCB2716C89025F7658F7" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_7A5E34DA65C973FFDBE089025F760279" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_6F9A4684E46A7AB744B089025F7607A7" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_76B4C9C3286FDCB2716C89025F7658F7" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_6F9A4684E46A7AB744B089025F7607A7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalizedContractCostNet" xlink:label="loc_us-gaap_CapitalizedContractCostNet_B2D618DF859F00CBA82E89025F7793A6" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_9D489469FCD4BD51245989025F75C270" xlink:to="loc_us-gaap_CapitalizedContractCostNet_B2D618DF859F00CBA82E89025F7793A6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DeferredTaxLiabilities" xlink:label="loc_us-gaap_DeferredTaxLiabilities_1280AE0776793BFBAFC889025F771A21" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_9D489469FCD4BD51245989025F75C270" xlink:to="loc_us-gaap_DeferredTaxLiabilities_1280AE0776793BFBAFC889025F771A21" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/NewAccountingStandardsStatementOfIncomeDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingChangesAndErrorCorrectionsAbstract" xlink:label="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_90BCC9A6016688F4376D54E35FC8A728" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable" xlink:label="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_5133A3701FF2C675ADD954E35FC8A950" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_90BCC9A6016688F4376D54E35FC8A728" xlink:to="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_5133A3701FF2C675ADD954E35FC8A950" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InitialApplicationPeriodCumulativeEffectTransitionAxis" xlink:label="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionAxis_78AA92BCB160AC979A0E54E35FC8E4B2" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_5133A3701FF2C675ADD954E35FC8A950" xlink:to="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionAxis_78AA92BCB160AC979A0E54E35FC8E4B2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InitialApplicationPeriodCumulativeEffectTransitionDomain" xlink:label="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionDomain_19B5AB8FA56D9DC0B94854E35FC89D65" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionAxis_78AA92BCB160AC979A0E54E35FC8E4B2" xlink:to="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionDomain_19B5AB8FA56D9DC0B94854E35FC89D65" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CalculatedUnderRevenueGuidanceInEffectBeforeTopic606Member" xlink:label="loc_us-gaap_CalculatedUnderRevenueGuidanceInEffectBeforeTopic606Member_3F7540F659107D2C205454E35FC9301A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionDomain_19B5AB8FA56D9DC0B94854E35FC89D65" xlink:to="loc_us-gaap_CalculatedUnderRevenueGuidanceInEffectBeforeTopic606Member_3F7540F659107D2C205454E35FC9301A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DifferenceBetweenRevenueGuidanceInEffectBeforeAndAfterTopic606Member" xlink:label="loc_us-gaap_DifferenceBetweenRevenueGuidanceInEffectBeforeAndAfterTopic606Member_F86D62884C2113E5F60854E35FC978D8" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InitialApplicationPeriodCumulativeEffectTransitionDomain_19B5AB8FA56D9DC0B94854E35FC89D65" xlink:to="loc_us-gaap_DifferenceBetweenRevenueGuidanceInEffectBeforeAndAfterTopic606Member_F86D62884C2113E5F60854E35FC978D8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:label="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_EC66A6E9307B92FF7FFA54E35FC9D42E" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_5133A3701FF2C675ADD954E35FC8A950" xlink:to="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_EC66A6E9307B92FF7FFA54E35FC9D42E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TypeOfAdoptionMember" xlink:label="loc_us-gaap_TypeOfAdoptionMember_416E3B7D0B0154A1966B54E35FC96D9A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_EC66A6E9307B92FF7FFA54E35FC9D42E" xlink:to="loc_us-gaap_TypeOfAdoptionMember_416E3B7D0B0154A1966B54E35FC96D9A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingStandardsUpdate201409Member" xlink:label="loc_us-gaap_AccountingStandardsUpdate201409Member_26B39C00F1EDF7CF0A2554E35FCADDB8" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfAdoptionMember_416E3B7D0B0154A1966B54E35FC96D9A" xlink:to="loc_us-gaap_AccountingStandardsUpdate201409Member_26B39C00F1EDF7CF0A2554E35FCADDB8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems" xlink:label="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_A98F35F75A980FB93E5854E35FCA0063" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_5133A3701FF2C675ADD954E35FC8A950" xlink:to="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_A98F35F75A980FB93E5854E35FCA0063" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OperatingExpensesAbstract" xlink:label="loc_us-gaap_OperatingExpensesAbstract_9F5ADA41A5011F316C5E54E35FCACA38" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_A98F35F75A980FB93E5854E35FCA0063" xlink:to="loc_us-gaap_OperatingExpensesAbstract_9F5ADA41A5011F316C5E54E35FCACA38" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="loc_us-gaap_LaborAndRelatedExpense_F2FD7095EAF6E01F6B7354E35FCB9A93" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingExpensesAbstract_9F5ADA41A5011F316C5E54E35FCACA38" xlink:to="loc_us-gaap_LaborAndRelatedExpense_F2FD7095EAF6E01F6B7354E35FCB9A93" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_A7CFC5753214C1C253A954E35FCB7928" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_A98F35F75A980FB93E5854E35FCA0063" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_A7CFC5753214C1C253A954E35FCB7928" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss_21078426A2B3680E3D2154E35FCBAEB9" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_A98F35F75A980FB93E5854E35FCA0063" xlink:to="loc_us-gaap_NetIncomeLoss_21078426A2B3680E3D2154E35FCBAEB9" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/NewAccountingStandardsTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AccountingChangesAndErrorCorrectionsAbstract" xlink:label="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_63280407AF9432159E5254E35FDE09C1" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:label="loc_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_FF482353016E683403AC54E35FDE3F2F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingChangesAndErrorCorrectionsAbstract_63280407AF9432159E5254E35FDE09C1" xlink:to="loc_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_FF482353016E683403AC54E35FDE3F2F" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/RegulatoryRequirements" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="loc_us-gaap_BankingAndThriftAbstract_E7EE393F929838CC2C3154E35B82D75B" xlink:type="locator" />
    <link:loc xlink:href="schw-20180930.xsd#schw_RegulatoryCapitalRequirementsUnderBankingAndBrokerDealerRegulationsTextBlock" xlink:label="loc_schw_RegulatoryCapitalRequirementsUnderBankingAndBrokerDealerRegulationsTextBlock_E63E8536CE187977D69354E35B8216FD" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_E7EE393F929838CC2C3154E35B82D75B" xlink:to="loc_schw_RegulatoryCapitalRequirementsUnderBankingAndBrokerDealerRegulationsTextBlock_E63E8536CE187977D69354E35B8216FD" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/RegulatoryRequirementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="loc_us-gaap_BankingAndThriftAbstract_0C9A2F856315203C261254E35B2AD730" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_FCF3523682C68ABAEB2C54E35B2A9AD5" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_0C9A2F856315203C261254E35B2AD730" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_FCF3523682C68ABAEB2C54E35B2A9AD5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="loc_dei_LegalEntityAxis_3517E859901E271F50AD54E35B2A139B" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_FCF3523682C68ABAEB2C54E35B2A9AD5" xlink:to="loc_dei_LegalEntityAxis_3517E859901E271F50AD54E35B2A139B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="loc_dei_EntityDomain_2B713F259F471727633854E35B2BEAA7" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_3517E859901E271F50AD54E35B2A139B" xlink:to="loc_dei_EntityDomain_2B713F259F471727633854E35B2BEAA7" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CharlesSchwabSignatureBankMember" xlink:label="loc_schw_CharlesSchwabSignatureBankMember_E162E9E2A8E961AF5CB854E35B2BD83B" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_2B713F259F471727633854E35B2BEAA7" xlink:to="loc_schw_CharlesSchwabSignatureBankMember_E162E9E2A8E961AF5CB854E35B2BD83B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_1D417EE19823AC99DA5254E35B2BFCA1" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_FCF3523682C68ABAEB2C54E35B2A9AD5" xlink:to="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_1D417EE19823AC99DA5254E35B2BFCA1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets_BA4D4AF9B5C642C1E68354E35B2C8C80" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_1D417EE19823AC99DA5254E35B2BFCA1" xlink:to="loc_us-gaap_Assets_BA4D4AF9B5C642C1E68354E35B2C8C80" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/RegulatoryRequirementsNetCapitalAndNetCapitalRequirementsDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="loc_us-gaap_BankingAndThriftAbstract_1A4745F4467DA37AD09A54E35B1A4143" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NetCapital" xlink:label="loc_us-gaap_NetCapital_39BB170918D540096B2654E35B1AF977" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_1A4745F4467DA37AD09A54E35B1A4143" xlink:to="loc_us-gaap_NetCapital_39BB170918D540096B2654E35B1AF977" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MinimumNetCapitalRequired1" xlink:label="loc_us-gaap_MinimumNetCapitalRequired1_2AF0D7BF77EE3D863FEB54E35B1BEC33" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_1A4745F4467DA37AD09A54E35B1A4143" xlink:to="loc_us-gaap_MinimumNetCapitalRequired1_2AF0D7BF77EE3D863FEB54E35B1BEC33" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TwoPercentOfDebitItems" xlink:label="loc_us-gaap_TwoPercentOfDebitItems_0A3A40E8BF0CC253979654E35B1B00A6" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_1A4745F4467DA37AD09A54E35B1A4143" xlink:to="loc_us-gaap_TwoPercentOfDebitItems_0A3A40E8BF0CC253979654E35B1B00A6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AlternativeExcessNetCapital" xlink:label="loc_us-gaap_AlternativeExcessNetCapital_43AE2920F182A103D10E54E35B1B064D" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_1A4745F4467DA37AD09A54E35B1A4143" xlink:to="loc_us-gaap_AlternativeExcessNetCapital_43AE2920F182A103D10E54E35B1B064D" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/RegulatoryRequirementsRegulatoryCapitalAndRatiosDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="loc_us-gaap_BankingAndThriftAbstract_86D90FE552D04357C00AACE4654FA5D9" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_4CFFC6BBAE8C19B86BD5ACE46550870C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_86D90FE552D04357C00AACE4654FA5D9" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_4CFFC6BBAE8C19B86BD5ACE46550870C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="loc_dei_LegalEntityAxis_59E8E0A16DF3EBA3B88CACE465500951" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_4CFFC6BBAE8C19B86BD5ACE46550870C" xlink:to="loc_dei_LegalEntityAxis_59E8E0A16DF3EBA3B88CACE465500951" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="loc_dei_EntityDomain_0F63F838C07CCB20B948ACE46550F636" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_LegalEntityAxis_59E8E0A16DF3EBA3B88CACE465500951" xlink:to="loc_dei_EntityDomain_0F63F838C07CCB20B948ACE46550F636" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CharlesSchwabCorporationMember" xlink:label="loc_schw_CharlesSchwabCorporationMember_DC00A9409BB29A30CBD4ACE46551D827" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_0F63F838C07CCB20B948ACE46550F636" xlink:to="loc_schw_CharlesSchwabCorporationMember_DC00A9409BB29A30CBD4ACE46551D827" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CharlesSchwabBankMember" xlink:label="loc_schw_CharlesSchwabBankMember_2BDD64265BF2F33D9C6FACE46551B51F" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityDomain_0F63F838C07CCB20B948ACE46550F636" xlink:to="loc_schw_CharlesSchwabBankMember_2BDD64265BF2F33D9C6FACE46551B51F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_73DCAA555B7688B41BF2ACE465520FB0" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_4CFFC6BBAE8C19B86BD5ACE46550870C" xlink:to="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_73DCAA555B7688B41BF2ACE465520FB0" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommonEquityTierOneRiskBasedCapitalAbstract" xlink:label="loc_schw_CommonEquityTierOneRiskBasedCapitalAbstract_69C83CECB340CDEE1F84ACE46552103B" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_73DCAA555B7688B41BF2ACE465520FB0" xlink:to="loc_schw_CommonEquityTierOneRiskBasedCapitalAbstract_69C83CECB340CDEE1F84ACE46552103B" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommonEquityTierOneRiskBasedCapital" xlink:label="loc_schw_CommonEquityTierOneRiskBasedCapital_851999B482503B043702ACE46553852B" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_CommonEquityTierOneRiskBasedCapitalAbstract_69C83CECB340CDEE1F84ACE46552103B" xlink:to="loc_schw_CommonEquityTierOneRiskBasedCapital_851999B482503B043702ACE46553852B" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommonEquityTierOneRiskBasedCapitalToRiskWeightedAssets" xlink:label="loc_schw_CommonEquityTierOneRiskBasedCapitalToRiskWeightedAssets_1009A576FFE364439BD5ACE465532CCC" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_CommonEquityTierOneRiskBasedCapitalAbstract_69C83CECB340CDEE1F84ACE46552103B" xlink:to="loc_schw_CommonEquityTierOneRiskBasedCapitalToRiskWeightedAssets_1009A576FFE364439BD5ACE465532CCC" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:label="loc_schw_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalized_A1BAC69AABF01969F3F8ACE46553C162" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_CommonEquityTierOneRiskBasedCapitalAbstract_69C83CECB340CDEE1F84ACE46552103B" xlink:to="loc_schw_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalized_A1BAC69AABF01969F3F8ACE46553C162" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="loc_schw_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_2BBE07E7227EE9660279ACE46554132C" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_CommonEquityTierOneRiskBasedCapitalAbstract_69C83CECB340CDEE1F84ACE46552103B" xlink:to="loc_schw_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_2BBE07E7227EE9660279ACE46554132C" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:label="loc_schw_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacy_5ACC597A7556CBA9078EACE465543727" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_CommonEquityTierOneRiskBasedCapitalAbstract_69C83CECB340CDEE1F84ACE46552103B" xlink:to="loc_schw_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacy_5ACC597A7556CBA9078EACE465543727" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="loc_schw_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_DEC110CAE16D4C020C0CACE4655486F7" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_CommonEquityTierOneRiskBasedCapitalAbstract_69C83CECB340CDEE1F84ACE46552103B" xlink:to="loc_schw_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_DEC110CAE16D4C020C0CACE4655486F7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapitalAbstract" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalAbstract_A73D779A53BC9057A2ECACE465553D85" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_73DCAA555B7688B41BF2ACE465520FB0" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalAbstract_A73D779A53BC9057A2ECACE465553D85" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:label="loc_us-gaap_TierOneRiskBasedCapital_EC0935B48385ADE7FE1FACE465553C30" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_A73D779A53BC9057A2ECACE465553D85" xlink:to="loc_us-gaap_TierOneRiskBasedCapital_EC0935B48385ADE7FE1FACE465553C30" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_8C4177CA7F49F58617BBACE4655551D5" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_A73D779A53BC9057A2ECACE465553D85" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_8C4177CA7F49F58617BBACE4655551D5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_A498B47AB906F82D0CC8ACE4655534E0" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_A73D779A53BC9057A2ECACE465553D85" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_A498B47AB906F82D0CC8ACE4655534E0" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_CB4F68F8EA3A819C26E7ACE46556F946" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_A73D779A53BC9057A2ECACE465553D85" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_CB4F68F8EA3A819C26E7ACE46556F946" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_1B1F2B74FB71FEC4D6FCACE465561E9A" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_A73D779A53BC9057A2ECACE465553D85" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_1B1F2B74FB71FEC4D6FCACE465561E9A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_CFD7B35D51172D383BB7ACE46556E195" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_A73D779A53BC9057A2ECACE465553D85" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_CFD7B35D51172D383BB7ACE46556E195" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="loc_us-gaap_CapitalAbstract_B7A922EB6065B979CB25ACE465568A31" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_73DCAA555B7688B41BF2ACE465520FB0" xlink:to="loc_us-gaap_CapitalAbstract_B7A922EB6065B979CB25ACE465568A31" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Capital" xlink:label="loc_us-gaap_Capital_38E470DD7EF38BEAB3E9ACE465566F0B" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_B7A922EB6065B979CB25ACE465568A31" xlink:to="loc_us-gaap_Capital_38E470DD7EF38BEAB3E9ACE465566F0B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:label="loc_us-gaap_CapitalToRiskWeightedAssets_7833E9A66CDB8AD38E04ACE465577BAE" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_B7A922EB6065B979CB25ACE465568A31" xlink:to="loc_us-gaap_CapitalToRiskWeightedAssets_7833E9A66CDB8AD38E04ACE465577BAE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalized_C9B68DCCFC1C0BC888F6ACE46557DB0D" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_B7A922EB6065B979CB25ACE465568A31" xlink:to="loc_us-gaap_CapitalRequiredToBeWellCapitalized_C9B68DCCFC1C0BC888F6ACE46557DB0D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_07992005795D679F5168ACE46557D0BA" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_B7A922EB6065B979CB25ACE465568A31" xlink:to="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_07992005795D679F5168ACE46557D0BA" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacy_BC9A75EEF63BCC3887C9ACE46557EDE6" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_B7A922EB6065B979CB25ACE465568A31" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacy_BC9A75EEF63BCC3887C9ACE46557EDE6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_B24D2024A098DB82694DACE465589782" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_B7A922EB6065B979CB25ACE465568A31" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_B24D2024A098DB82694DACE465589782" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapitalAbstract" xlink:label="loc_us-gaap_TierOneLeverageCapitalAbstract_8FDAF254847933B24110ACE46558F3C5" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_73DCAA555B7688B41BF2ACE465520FB0" xlink:to="loc_us-gaap_TierOneLeverageCapitalAbstract_8FDAF254847933B24110ACE46558F3C5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:label="loc_us-gaap_TierOneLeverageCapital_047D2281E290D146FD12ACE46558BE42" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_8FDAF254847933B24110ACE46558F3C5" xlink:to="loc_us-gaap_TierOneLeverageCapital_047D2281E290D146FD12ACE46558BE42" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:label="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_2C01B83AE18E87C15F41ACE46558159A" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_8FDAF254847933B24110ACE46558F3C5" xlink:to="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_2C01B83AE18E87C15F41ACE46558159A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_6BBEA666DF1043447F6FACE465595FB6" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_8FDAF254847933B24110ACE46558F3C5" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_6BBEA666DF1043447F6FACE465595FB6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_04D9B4908891E8FA55EBACE46559DAC8" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_8FDAF254847933B24110ACE46558F3C5" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_04D9B4908891E8FA55EBACE46559DAC8" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_80E9DB596E331DE3ECB9ACE465593EFE" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_8FDAF254847933B24110ACE46558F3C5" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_80E9DB596E331DE3ECB9ACE465593EFE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_9F3F5202696211D0C468ACE46559F38D" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_8FDAF254847933B24110ACE46558F3C5" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_9F3F5202696211D0C468ACE46559F38D" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/RegulatoryRequirementsTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="loc_us-gaap_BankingAndThriftAbstract_790D5B0039FE46C3D3CA54E35B739FC2" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_62530E16825FF580BC7654E35B734BE6" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_790D5B0039FE46C3D3CA54E35B739FC2" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_62530E16825FF580BC7654E35B734BE6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ComputationOfNetCapitalUnderSecuritiesAndExchangeCommissionRegulationTextBlock" xlink:label="loc_us-gaap_ComputationOfNetCapitalUnderSecuritiesAndExchangeCommissionRegulationTextBlock_1B0EDF82EB418F22C0CD54E35B73F948" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BankingAndThriftAbstract_790D5B0039FE46C3D3CA54E35B739FC2" xlink:to="loc_us-gaap_ComputationOfNetCapitalUnderSecuritiesAndExchangeCommissionRegulationTextBlock_1B0EDF82EB418F22C0CD54E35B73F948" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/RevenueRecognition" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_AE38CDCEF95A34B2E4F654E35FBCD836" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RevenueFromContractWithCustomerTextBlock" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerTextBlock_F105630D6B232F6F49BD54E35FBC46D9" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_AE38CDCEF95A34B2E4F654E35FBCD836" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerTextBlock_F105630D6B232F6F49BD54E35FBC46D9" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/RevenueRecognitionCapitalizedContractCostsAndContractBalancesDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_A7F88F9F374E662F1B8789025F4E0E62" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalizedContractCostNet" xlink:label="loc_us-gaap_CapitalizedContractCostNet_E788C3C8A93C4970579989025F4E205C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_A7F88F9F374E662F1B8789025F4E0E62" xlink:to="loc_us-gaap_CapitalizedContractCostNet_E788C3C8A93C4970579989025F4E205C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CapitalizedContractCostAmortization" xlink:label="loc_us-gaap_CapitalizedContractCostAmortization_622084F2188566D694B189025F4EB32D" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_A7F88F9F374E662F1B8789025F4E0E62" xlink:to="loc_us-gaap_CapitalizedContractCostAmortization_622084F2188566D694B189025F4EB32D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ContractWithCustomerAssetNet" xlink:label="loc_us-gaap_ContractWithCustomerAssetNet_3162D81AF827801A7A4489025F4FECA0" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_A7F88F9F374E662F1B8789025F4E0E62" xlink:to="loc_us-gaap_ContractWithCustomerAssetNet_3162D81AF827801A7A4489025F4FECA0" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/RevenueRecognitionDisaggregatedRevenueDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_FEE7B31FCC27964C265954E35FB2A0ED" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisaggregationOfRevenueTable" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_9E193BA8D46698625AE654E35FB24C35" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_FEE7B31FCC27964C265954E35FB2A0ED" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_9E193BA8D46698625AE654E35FB24C35" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProductOrServiceAxis" xlink:label="loc_us-gaap_ProductOrServiceAxis_DCD35FE98C4740708F1054E35FB2E394" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_9E193BA8D46698625AE654E35FB24C35" xlink:to="loc_us-gaap_ProductOrServiceAxis_DCD35FE98C4740708F1054E35FB2E394" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ProductsAndServicesDomain" xlink:label="loc_us-gaap_ProductsAndServicesDomain_5BD0AC7FE202A22C53D154E35FB3D848" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ProductOrServiceAxis_DCD35FE98C4740708F1054E35FB2E394" xlink:to="loc_us-gaap_ProductsAndServicesDomain_5BD0AC7FE202A22C53D154E35FB3D848" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_InvestmentPerformanceMember" xlink:label="loc_schw_InvestmentPerformanceMember_75684599D22DE423C4C154E35FB34E19" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ProductsAndServicesDomain_5BD0AC7FE202A22C53D154E35FB3D848" xlink:to="loc_schw_InvestmentPerformanceMember_75684599D22DE423C4C154E35FB34E19" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_InvestmentAdviceMember" xlink:label="loc_schw_InvestmentAdviceMember_C976EC0456E0BB92D79554E35FB3C627" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ProductsAndServicesDomain_5BD0AC7FE202A22C53D154E35FB3D848" xlink:to="loc_schw_InvestmentAdviceMember_C976EC0456E0BB92D79554E35FB3C627" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_FinancialServiceOtherMember" xlink:label="loc_schw_FinancialServiceOtherMember_1D2CEE94CE377D7226D954E35FB4878B" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ProductsAndServicesDomain_5BD0AC7FE202A22C53D154E35FB3D848" xlink:to="loc_schw_FinancialServiceOtherMember_1D2CEE94CE377D7226D954E35FB4878B" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_CommissionsMember" xlink:label="loc_schw_CommissionsMember_F80505E2FA714F39EDFB54E35FB42302" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ProductsAndServicesDomain_5BD0AC7FE202A22C53D154E35FB3D848" xlink:to="loc_schw_CommissionsMember_F80505E2FA714F39EDFB54E35FB42302" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_PrincipalTransactionsMember" xlink:label="loc_schw_PrincipalTransactionsMember_A848C11BD6D18B55765754E35FB4D7CC" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ProductsAndServicesDomain_5BD0AC7FE202A22C53D154E35FB3D848" xlink:to="loc_schw_PrincipalTransactionsMember_A848C11BD6D18B55765754E35FB4D7CC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisaggregationOfRevenueLineItems" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_E9712B3528719666439A54E35FB4B751" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_9E193BA8D46698625AE654E35FB24C35" xlink:to="loc_us-gaap_DisaggregationOfRevenueLineItems_E9712B3528719666439A54E35FB4B751" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestIncomeOperating" xlink:label="loc_us-gaap_InterestIncomeOperating_959AE3F1CF885059355254E35FB4FB5D" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_E9712B3528719666439A54E35FB4B751" xlink:to="loc_us-gaap_InterestIncomeOperating_959AE3F1CF885059355254E35FB4FB5D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestExpense" xlink:label="loc_us-gaap_InterestExpense_133ACD127F4CD255F19354E35FB5278F" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_E9712B3528719666439A54E35FB4B751" xlink:to="loc_us-gaap_InterestExpense_133ACD127F4CD255F19354E35FB5278F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_A13B69D9B324721C9EB754E35FB592A9" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_E9712B3528719666439A54E35FB4B751" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_A13B69D9B324721C9EB754E35FB592A9" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FeesAndCommissions" xlink:label="loc_us-gaap_FeesAndCommissions_684F6462246DFAB311EE54E35FB5A16F" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_E9712B3528719666439A54E35FB4B751" xlink:to="loc_us-gaap_FeesAndCommissions_684F6462246DFAB311EE54E35FB5A16F" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_TradingRevenue" xlink:label="loc_schw_TradingRevenue_8835312930431BB9807554E35FB55ED5" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_E9712B3528719666439A54E35FB4B751" xlink:to="loc_schw_TradingRevenue_8835312930431BB9807554E35FB55ED5" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherIncome" xlink:label="loc_us-gaap_OtherIncome_EDBDFA1239A3F84E723354E35FB5985C" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_E9712B3528719666439A54E35FB4B751" xlink:to="loc_us-gaap_OtherIncome_EDBDFA1239A3F84E723354E35FB5985C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues_75EF66E620379B773BF554E35FB54CEA" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_E9712B3528719666439A54E35FB4B751" xlink:to="loc_us-gaap_Revenues_75EF66E620379B773BF554E35FB54CEA" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/RevenueRecognitionTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RevenueFromContractWithCustomerAbstract" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_4A75A46564AE57B6FC1E54E35FB9341E" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DisaggregationOfRevenueTableTextBlock" xlink:label="loc_us-gaap_DisaggregationOfRevenueTableTextBlock_6C19064377794DD032BA54E35FBA9638" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_4A75A46564AE57B6FC1E54E35FB9341E" xlink:to="loc_us-gaap_DisaggregationOfRevenueTableTextBlock_6C19064377794DD032BA54E35FBA9638" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/SegmentInformation" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="loc_us-gaap_SegmentReportingAbstract_B62626F9E8D83F27FC1B54E35B0BAC69" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock_FA8BE3AF698C2941E92854E35B0B486D" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_B62626F9E8D83F27FC1B54E35B0BAC69" xlink:to="loc_us-gaap_SegmentReportingDisclosureTextBlock_FA8BE3AF698C2941E92854E35B0B486D" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/SegmentInformationFinancialInformationForReportableSegmentsDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="loc_us-gaap_SegmentReportingAbstract_05A78779A967AAA8666F54E35AE8DE2B" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_FA9584106ECD1D3A17EF54E35AE9096A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_05A78779A967AAA8666F54E35AE8DE2B" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_FA9584106ECD1D3A17EF54E35AE9096A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_15E9EA572098E9A6B5CA54E35AE98B62" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_FA9584106ECD1D3A17EF54E35AE9096A" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_15E9EA572098E9A6B5CA54E35AE98B62" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentDomain" xlink:label="loc_us-gaap_SegmentDomain_34467CC07A922036CEA354E35AE91E8E" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_15E9EA572098E9A6B5CA54E35AE98B62" xlink:to="loc_us-gaap_SegmentDomain_34467CC07A922036CEA354E35AE91E8E" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_InvestorServicesMember" xlink:label="loc_schw_InvestorServicesMember_93E1F0EF17ADAB763EF754E35AEA62D5" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_34467CC07A922036CEA354E35AE91E8E" xlink:to="loc_schw_InvestorServicesMember_93E1F0EF17ADAB763EF754E35AEA62D5" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_AdvisorServicesMember" xlink:label="loc_schw_AdvisorServicesMember_5901390CE2C627F874D454E35AEA97CC" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentDomain_34467CC07A922036CEA354E35AE91E8E" xlink:to="loc_schw_AdvisorServicesMember_5901390CE2C627F874D454E35AEA97CC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems_9032C5EC945A9E35A11154E35AEA1A17" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_FA9584106ECD1D3A17EF54E35AE9096A" xlink:to="loc_us-gaap_SegmentReportingInformationLineItems_9032C5EC945A9E35A11154E35AEA1A17" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="loc_us-gaap_RevenuesAbstract_DC9C1952572CAF0EB74754E35AEA02DC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9032C5EC945A9E35A11154E35AEA1A17" xlink:to="loc_us-gaap_RevenuesAbstract_DC9C1952572CAF0EB74754E35AEA02DC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_749E197FDD5B846DC8DC54E35AEBD545" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_DC9C1952572CAF0EB74754E35AEA02DC" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_749E197FDD5B846DC8DC54E35AEBD545" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_FeesAndCommissions" xlink:label="loc_us-gaap_FeesAndCommissions_FC42B0C8F85758CB991F54E35AEB7CAF" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_DC9C1952572CAF0EB74754E35AEA02DC" xlink:to="loc_us-gaap_FeesAndCommissions_FC42B0C8F85758CB991F54E35AEB7CAF" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_TradingRevenue" xlink:label="loc_schw_TradingRevenue_01AF436BCB4E819047B454E35AEBF2EE" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_DC9C1952572CAF0EB74754E35AEA02DC" xlink:to="loc_schw_TradingRevenue_01AF436BCB4E819047B454E35AEBF2EE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_OtherIncome" xlink:label="loc_us-gaap_OtherIncome_431F0C6EE51F3D436E6954E35AEB840C" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_DC9C1952572CAF0EB74754E35AEA02DC" xlink:to="loc_us-gaap_OtherIncome_431F0C6EE51F3D436E6954E35AEB840C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues_833494754912A42EF53C54E35AECD4AE" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenuesAbstract_DC9C1952572CAF0EB74754E35AEA02DC" xlink:to="loc_us-gaap_Revenues_833494754912A42EF53C54E35AECD4AE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="loc_us-gaap_NoninterestExpense_5A8285F2F652A0F8047D54E35AECD82D" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9032C5EC945A9E35A11154E35AEA1A17" xlink:to="loc_us-gaap_NoninterestExpense_5A8285F2F652A0F8047D54E35AECD82D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_77D974DE4C02BE2EBBF854E35AEC4427" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_9032C5EC945A9E35A11154E35AEA1A17" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_77D974DE4C02BE2EBBF854E35AEC4427" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/SegmentInformationNarrativeDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="loc_us-gaap_SegmentReportingAbstract_AA222FE6962160DC533654E35AFA5DDF" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NumberOfReportableSegments" xlink:label="loc_us-gaap_NumberOfReportableSegments_89671085C48A97619D1554E35AFA7FD8" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_AA222FE6962160DC533654E35AFA5DDF" xlink:to="loc_us-gaap_NumberOfReportableSegments_89671085C48A97619D1554E35AFA7FD8" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/SegmentInformationTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="loc_us-gaap_SegmentReportingAbstract_F8362F5E628ABD0969C154E35B0264B1" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_E0AB2ED0DBD91C1E16B254E35B024758" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SegmentReportingAbstract_F8362F5E628ABD0969C154E35B0264B1" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_E0AB2ED0DBD91C1E16B254E35B024758" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/StockholdersEquity" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityAbstract" xlink:label="loc_us-gaap_EquityAbstract_BFF4114F3D356E4E8B6A54E35C9A86F9" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:label="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_E2A6AE2D03DCC92E288754E35C9AD476" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_BFF4114F3D356E4E8B6A54E35C9A86F9" xlink:to="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_E2A6AE2D03DCC92E288754E35C9AD476" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/StockholdersEquityPreferredStockIssuedAndOutstandingDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="loc_us-gaap_StockholdersEquityNoteAbstract_C101DFC78A98860B376554E35C7784EE" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfStockByClassTable" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_F606A528A47EA723BA8354E35C7886A7" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityNoteAbstract_C101DFC78A98860B376554E35C7784EE" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_F606A528A47EA723BA8354E35C7886A7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="loc_us-gaap_StatementClassOfStockAxis_C5756B35BD11053EE58954E35C7852FC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_F606A528A47EA723BA8354E35C7886A7" xlink:to="loc_us-gaap_StatementClassOfStockAxis_C5756B35BD11053EE58954E35C7852FC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="loc_us-gaap_ClassOfStockDomain_22FC90C8D9ABFCFEEE2054E35C784E1D" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_C5756B35BD11053EE58954E35C7852FC" xlink:to="loc_us-gaap_ClassOfStockDomain_22FC90C8D9ABFCFEEE2054E35C784E1D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SeriesCPreferredStockMember" xlink:label="loc_us-gaap_SeriesCPreferredStockMember_5AB0698EB0ED5DB94B4454E35C7E46DB" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_22FC90C8D9ABFCFEEE2054E35C784E1D" xlink:to="loc_us-gaap_SeriesCPreferredStockMember_5AB0698EB0ED5DB94B4454E35C7E46DB" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SeriesDPreferredStockMember" xlink:label="loc_us-gaap_SeriesDPreferredStockMember_C7B996088198C57188C254E35C7EFDB1" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_22FC90C8D9ABFCFEEE2054E35C784E1D" xlink:to="loc_us-gaap_SeriesDPreferredStockMember_C7B996088198C57188C254E35C7EFDB1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SeriesAPreferredStockMember" xlink:label="loc_us-gaap_SeriesAPreferredStockMember_5DB8588004C296645D6D54E35C7F2F08" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_22FC90C8D9ABFCFEEE2054E35C784E1D" xlink:to="loc_us-gaap_SeriesAPreferredStockMember_5DB8588004C296645D6D54E35C7F2F08" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SeriesEPreferredStockMember" xlink:label="loc_us-gaap_SeriesEPreferredStockMember_0771EF9251374CB774C054E35C7FC752" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_22FC90C8D9ABFCFEEE2054E35C784E1D" xlink:to="loc_us-gaap_SeriesEPreferredStockMember_0771EF9251374CB774C054E35C7FC752" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SeriesFPreferredStockMember" xlink:label="loc_us-gaap_SeriesFPreferredStockMember_11560036DA78E5C3E9C954E35C7F84C2" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_22FC90C8D9ABFCFEEE2054E35C784E1D" xlink:to="loc_us-gaap_SeriesFPreferredStockMember_11560036DA78E5C3E9C954E35C7F84C2" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_VariableRateAxis" xlink:label="loc_us-gaap_VariableRateAxis_6D92277470CCDBE41B0954E35C7F6B64" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_F606A528A47EA723BA8354E35C7886A7" xlink:to="loc_us-gaap_VariableRateAxis_6D92277470CCDBE41B0954E35C7F6B64" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_VariableRateDomain" xlink:label="loc_us-gaap_VariableRateDomain_C36BA7075FD3743E690354E35C7FA41C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateAxis_6D92277470CCDBE41B0954E35C7F6B64" xlink:to="loc_us-gaap_VariableRateDomain_C36BA7075FD3743E690354E35C7FA41C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:label="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_5DA41AAD8FB81FA1471554E35C80A81A" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_C36BA7075FD3743E690354E35C7FA41C" xlink:to="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_5DA41AAD8FB81FA1471554E35C80A81A" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockLineItems" xlink:label="loc_us-gaap_ClassOfStockLineItems_A9FB81BB581C392654E054E35C80FEB7" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_F606A528A47EA723BA8354E35C7886A7" xlink:to="loc_us-gaap_ClassOfStockLineItems_A9FB81BB581C392654E054E35C80FEB7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:label="loc_us-gaap_PreferredStockSharesIssued_619ABCB097E1E0D5042954E35C817B43" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_A9FB81BB581C392654E054E35C80FEB7" xlink:to="loc_us-gaap_PreferredStockSharesIssued_619ABCB097E1E0D5042954E35C817B43" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockSharesOutstanding" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_EAEDCC515667AE5401B254E35C8154A6" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_A9FB81BB581C392654E054E35C80FEB7" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_EAEDCC515667AE5401B254E35C8154A6" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockLiquidationPreference" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_9F6597224A5CC36CE1E654E35C819C65" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_A9FB81BB581C392654E054E35C80FEB7" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_9F6597224A5CC36CE1E654E35C819C65" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="loc_us-gaap_PreferredStockValue_8E6E675D89CF0C87B4B254E35C822C4C" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_A9FB81BB581C392654E054E35C80FEB7" xlink:to="loc_us-gaap_PreferredStockValue_8E6E675D89CF0C87B4B254E35C822C4C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_PreferredStockDividendRatePercentage" xlink:label="loc_us-gaap_PreferredStockDividendRatePercentage_64FFDCCEE3F45EADB90A54E35C82C12D" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_A9FB81BB581C392654E054E35C80FEB7" xlink:to="loc_us-gaap_PreferredStockDividendRatePercentage_64FFDCCEE3F45EADB90A54E35C82C12D" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_PreferredStockBasisSpreadOnVariableRate" xlink:label="loc_schw_PreferredStockBasisSpreadOnVariableRate_12F5FB90573C796DD09554E35C82A4D6" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_A9FB81BB581C392654E054E35C80FEB7" xlink:to="loc_schw_PreferredStockBasisSpreadOnVariableRate_12F5FB90573C796DD09554E35C82A4D6" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/StockholdersEquityTables" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EquityAbstract" xlink:label="loc_us-gaap_EquityAbstract_22D3B2F22EB3A9B7784C54E35C8C9C35" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfStockByClassTextBlock" xlink:label="loc_us-gaap_ScheduleOfStockByClassTextBlock_B3C81177B5EB3145E02B54E35C91B058" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_22D3B2F22EB3A9B7784C54E35C8C9C35" xlink:to="loc_us-gaap_ScheduleOfStockByClassTextBlock_B3C81177B5EB3145E02B54E35C91B058" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/SubsequentEvents" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventsAbstract" xlink:label="loc_us-gaap_SubsequentEventsAbstract_DF455E0F5E41586CBD31CAD3006B0E65" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventsTextBlock" xlink:label="loc_us-gaap_SubsequentEventsTextBlock_03D47707387AD6EEDF75CAD3006BC2FC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventsAbstract_DF455E0F5E41586CBD31CAD3006B0E65" xlink:to="loc_us-gaap_SubsequentEventsTextBlock_03D47707387AD6EEDF75CAD3006BC2FC" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/SubsequentEventsDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventsAbstract" xlink:label="loc_us-gaap_SubsequentEventsAbstract_F801FB9EB7C1D354F07BD10D0A796C58" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventTable" xlink:label="loc_us-gaap_SubsequentEventTable_75D37CA176BBE0D166F9D10D0A7CD69B" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventsAbstract_F801FB9EB7C1D354F07BD10D0A796C58" xlink:to="loc_us-gaap_SubsequentEventTable_75D37CA176BBE0D166F9D10D0A7CD69B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="loc_us-gaap_StatementClassOfStockAxis_ABAA46B77B64734F4DD6D10D0A7F7F34" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_75D37CA176BBE0D166F9D10D0A7CD69B" xlink:to="loc_us-gaap_StatementClassOfStockAxis_ABAA46B77B64734F4DD6D10D0A7F7F34" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="loc_us-gaap_ClassOfStockDomain_AF72F34DD06BCA766165D10D0A7F7025" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_ABAA46B77B64734F4DD6D10D0A7F7F34" xlink:to="loc_us-gaap_ClassOfStockDomain_AF72F34DD06BCA766165D10D0A7F7025" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_CommonStockMember" xlink:label="loc_us-gaap_CommonStockMember_9A41E87D59CB2CFD32B2D10D0A7F80AC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_AF72F34DD06BCA766165D10D0A7F7025" xlink:to="loc_us-gaap_CommonStockMember_9A41E87D59CB2CFD32B2D10D0A7F80AC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_FF2B00D3E42426C1C7D4D10D0A7F764E" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_75D37CA176BBE0D166F9D10D0A7CD69B" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_FF2B00D3E42426C1C7D4D10D0A7F764E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_AE40D25E2C34B4CAB3F7D10D0A7FBE9C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_FF2B00D3E42426C1C7D4D10D0A7F764E" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_AE40D25E2C34B4CAB3F7D10D0A7FBE9C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SeniorNotesMember" xlink:label="loc_us-gaap_SeniorNotesMember_36C24130035596DD7D60D10D0A807AAE" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_AE40D25E2C34B4CAB3F7D10D0A7FBE9C" xlink:to="loc_us-gaap_SeniorNotesMember_36C24130035596DD7D60D10D0A807AAE" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="loc_us-gaap_DebtInstrumentAxis_7D993C5687C8ABBE483AD10D0A806906" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_75D37CA176BBE0D166F9D10D0A7CD69B" xlink:to="loc_us-gaap_DebtInstrumentAxis_7D993C5687C8ABBE483AD10D0A806906" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_911C43BAFD16EC660FEFD10D0A80E5C9" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_7D993C5687C8ABBE483AD10D0A806906" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_911C43BAFD16EC660FEFD10D0A80E5C9" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDue2024Member" xlink:label="loc_schw_SeniorNotesDue2024Member_2ED6CCE48319EBC5069ED10D0A80F9BC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_911C43BAFD16EC660FEFD10D0A80E5C9" xlink:to="loc_schw_SeniorNotesDue2024Member_2ED6CCE48319EBC5069ED10D0A80F9BC" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_SeniorNotesDue2029Member" xlink:label="loc_schw_SeniorNotesDue2029Member_71CC4269CB41243A660CD10D0A818A1B" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_911C43BAFD16EC660FEFD10D0A80E5C9" xlink:to="loc_schw_SeniorNotesDue2029Member_71CC4269CB41243A660CD10D0A818A1B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventTypeAxis" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_9D0D5F51C94AF9A6F272D10D0A819E34" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_75D37CA176BBE0D166F9D10D0A7CD69B" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_9D0D5F51C94AF9A6F272D10D0A819E34" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventTypeDomain" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_D910462821453126DFE2D10D0A8157E9" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_9D0D5F51C94AF9A6F272D10D0A819E34" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_D910462821453126DFE2D10D0A8157E9" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventMember" xlink:label="loc_us-gaap_SubsequentEventMember_D762DA844085F8A0C50DD10D0A811DDC" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_D910462821453126DFE2D10D0A8157E9" xlink:to="loc_us-gaap_SubsequentEventMember_D762DA844085F8A0C50DD10D0A811DDC" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SubsequentEventLineItems" xlink:label="loc_us-gaap_SubsequentEventLineItems_76B9B8A6952D52B67221D10D0A82862B" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_75D37CA176BBE0D166F9D10D0A7CD69B" xlink:to="loc_us-gaap_SubsequentEventLineItems_76B9B8A6952D52B67221D10D0A82862B" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_StockRepurchaseProgramAuthorizedAmount1" xlink:label="loc_us-gaap_StockRepurchaseProgramAuthorizedAmount1_67BEF7A74CF50DCB9D88D10D0A82B819" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_76B9B8A6952D52B67221D10D0A82862B" xlink:to="loc_us-gaap_StockRepurchaseProgramAuthorizedAmount1_67BEF7A74CF50DCB9D88D10D0A82B819" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_SeniorNotes" xlink:label="loc_us-gaap_SeniorNotes_5A9359DB4CAF6D997D9AD10D0A82DA8D" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_76B9B8A6952D52B67221D10D0A82862B" xlink:to="loc_us-gaap_SeniorNotes_5A9359DB4CAF6D997D9AD10D0A82DA8D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_91C604828A808402DD3DD10D0A828526" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_76B9B8A6952D52B67221D10D0A82862B" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_91C604828A808402DD3DD10D0A828526" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/TaxesOnIncome" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_CC6EF601BC25B6A9C4F054E35BCF0312" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock_983D47340E0A4F720E6E54E35BCF9B61" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_CC6EF601BC25B6A9C4F054E35BCF0312" xlink:to="loc_us-gaap_IncomeTaxDisclosureTextBlock_983D47340E0A4F720E6E54E35BCF9B61" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/TaxesOnIncomeDetails" xlink:type="extended">
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_03FEEA62A472B5594BC854E35BC3330E" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable" xlink:label="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_88A0E912D6F4EC67E53954E35BC39A43" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_03FEEA62A472B5594BC854E35BC3330E" xlink:to="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_88A0E912D6F4EC67E53954E35BC39A43" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:label="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_44E7794C0A7B05E3222F54E35BC48A94" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_88A0E912D6F4EC67E53954E35BC39A43" xlink:to="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_44E7794C0A7B05E3222F54E35BC48A94" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_TypeOfAdoptionMember" xlink:label="loc_us-gaap_TypeOfAdoptionMember_DDEBE638002A84FFDC6B54E35BC43BCF" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_44E7794C0A7B05E3222F54E35BC48A94" xlink:to="loc_us-gaap_TypeOfAdoptionMember_DDEBE638002A84FFDC6B54E35BC43BCF" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_AccountingStandardsUpdate201802Member" xlink:label="loc_schw_AccountingStandardsUpdate201802Member_74B35DBABD5B605EB66254E35BC5DC11" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TypeOfAdoptionMember_DDEBE638002A84FFDC6B54E35BC43BCF" xlink:to="loc_schw_AccountingStandardsUpdate201802Member_74B35DBABD5B605EB66254E35BC5DC11" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems" xlink:label="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_E39ADBE7195ED8DD2A4A54E35BC5D3A1" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleTable_88A0E912D6F4EC67E53954E35BC39A43" xlink:to="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_E39ADBE7195ED8DD2A4A54E35BC5D3A1" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_58CF299E65888034894B54E35BC52FAF" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_E39ADBE7195ED8DD2A4A54E35BC5D3A1" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_58CF299E65888034894B54E35BC52FAF" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_TaxCutsAndJobsActOf2017IncompleteAccountingChangeInTaxRateDeferredTaxAssetProvisionalIncomeTaxExpense" xlink:label="loc_schw_TaxCutsAndJobsActOf2017IncompleteAccountingChangeInTaxRateDeferredTaxAssetProvisionalIncomeTaxExpense_E0558555DDCCFE28612354E35BC51684" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_E39ADBE7195ED8DD2A4A54E35BC5D3A1" xlink:to="loc_schw_TaxCutsAndJobsActOf2017IncompleteAccountingChangeInTaxRateDeferredTaxAssetProvisionalIncomeTaxExpense_E0558555DDCCFE28612354E35BC51684" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_TaxCutsandJobsActReclassificationfromAOCItoRetainedEarningsTaxEffect" xlink:label="loc_schw_TaxCutsandJobsActReclassificationfromAOCItoRetainedEarningsTaxEffect_187C8BEDE12EB4B7A73F54E35BC68BB8" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsOrChangeInAccountingPrincipleLineItems_E39ADBE7195ED8DD2A4A54E35BC5D3A1" xlink:to="loc_schw_TaxCutsandJobsActReclassificationfromAOCItoRetainedEarningsTaxEffect_187C8BEDE12EB4B7A73F54E35BC68BB8" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/VariableInterestEntities" xlink:type="extended">
    <link:loc xlink:href="schw-20180930.xsd#schw_VariableInterestEntityDisclosureAbstract" xlink:label="loc_schw_VariableInterestEntityDisclosureAbstract_7B760B8C44565E3E5D2D54E35EF60B6A" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_VariableInterestEntityDisclosureTextBlock" xlink:label="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_3D76584F2BA356F1038354E35EF6B8FF" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_VariableInterestEntityDisclosureAbstract_7B760B8C44565E3E5D2D54E35EF60B6A" xlink:to="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_3D76584F2BA356F1038354E35EF6B8FF" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/VariableInterestEntitiesAggregateAssetsLiabilitiesAndMaximumExposureToLossDetails" xlink:type="extended">
    <link:loc xlink:href="schw-20180930.xsd#schw_VariableInterestEntityDisclosureAbstract" xlink:label="loc_schw_VariableInterestEntityDisclosureAbstract_F930A8D1E672F7F97A0754E35E7CF712" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_0D3FF932C9DFA24FA37554E35E7D0735" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_VariableInterestEntityDisclosureAbstract_F930A8D1E672F7F97A0754E35E7CF712" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_0D3FF932C9DFA24FA37554E35E7D0735" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="loc_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_75ECDC83949A77771F0A54E35E7D6C07" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_0D3FF932C9DFA24FA37554E35E7D0735" xlink:to="loc_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_75ECDC83949A77771F0A54E35E7D6C07" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="loc_us-gaap_ClassificationOfVariableInterestEntityDomain_C784EF3A1167DCE0801854E35E7D7276" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis_75ECDC83949A77771F0A54E35E7D6C07" xlink:to="loc_us-gaap_ClassificationOfVariableInterestEntityDomain_C784EF3A1167DCE0801854E35E7D7276" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_B36D78437A1BBD07308C54E35E7E7412" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassificationOfVariableInterestEntityDomain_C784EF3A1167DCE0801854E35E7D7276" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_B36D78437A1BBD07308C54E35E7E7412" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentAxis" xlink:label="loc_invest_InvestmentAxis_CD4C287A048BF77C2FA754E35E7E1A07" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_0D3FF932C9DFA24FA37554E35E7D0735" xlink:to="loc_invest_InvestmentAxis_CD4C287A048BF77C2FA754E35E7E1A07" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentDomain" xlink:label="loc_invest_InvestmentDomain_F013D769E20E160B1BE054E35E7EE61F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_invest_InvestmentAxis_CD4C287A048BF77C2FA754E35E7E1A07" xlink:to="loc_invest_InvestmentDomain_F013D769E20E160B1BE054E35E7EE61F" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_LowIncomeHousingTaxCreditInvestmentsMember" xlink:label="loc_schw_LowIncomeHousingTaxCreditInvestmentsMember_9429758655533E6EABB254E35E7F2807" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_invest_InvestmentDomain_F013D769E20E160B1BE054E35E7EE61F" xlink:to="loc_schw_LowIncomeHousingTaxCreditInvestmentsMember_9429758655533E6EABB254E35E7F2807" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_OtherCommunityReinvestmentActInvestmentsMember" xlink:label="loc_schw_OtherCommunityReinvestmentActInvestmentsMember_9DC3EF3AC0A3B7693CF454E35E7F4B1F" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_invest_InvestmentDomain_F013D769E20E160B1BE054E35E7EE61F" xlink:to="loc_schw_OtherCommunityReinvestmentActInvestmentsMember_9DC3EF3AC0A3B7693CF454E35E7F4B1F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_VariableInterestEntityLineItems" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_C44D2D9D131E24684D6154E35E7F7D1E" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_0D3FF932C9DFA24FA37554E35E7D0735" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_C44D2D9D131E24684D6154E35E7F7D1E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_VariableInterestEntityNonconsolidatedCarryingAmountAssets" xlink:label="loc_us-gaap_VariableInterestEntityNonconsolidatedCarryingAmountAssets_8073956BD27CD428CF8A54E35E7F115E" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_C44D2D9D131E24684D6154E35E7F7D1E" xlink:to="loc_us-gaap_VariableInterestEntityNonconsolidatedCarryingAmountAssets_8073956BD27CD428CF8A54E35E7F115E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_VariableInterestEntityNonconsolidatedCarryingAmountLiabilities" xlink:label="loc_us-gaap_VariableInterestEntityNonconsolidatedCarryingAmountLiabilities_9833AA47758610939B7C54E35E7F30C4" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_C44D2D9D131E24684D6154E35E7F7D1E" xlink:to="loc_us-gaap_VariableInterestEntityNonconsolidatedCarryingAmountLiabilities_9833AA47758610939B7C54E35E7F30C4" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:label="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_367664C177AE13177B0C54E35E80F82E" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_C44D2D9D131E24684D6154E35E7F7D1E" xlink:to="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_367664C177AE13177B0C54E35E80F82E" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/VariableInterestEntitiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:href="schw-20180930.xsd#schw_VariableInterestEntityDisclosureAbstract" xlink:label="loc_schw_VariableInterestEntityDisclosureAbstract_9EB16FB8923C958B8B6B54E35E75DBD9" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_7C4CD58E7C856C125A5754E35E75F76C" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_VariableInterestEntityDisclosureAbstract_9EB16FB8923C958B8B6B54E35E75DBD9" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_7C4CD58E7C856C125A5754E35E75F76C" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentAxis" xlink:label="loc_invest_InvestmentAxis_CA7DB3A2D18FFE5A409854E35E75D940" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_7C4CD58E7C856C125A5754E35E75F76C" xlink:to="loc_invest_InvestmentAxis_CA7DB3A2D18FFE5A409854E35E75D940" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentDomain" xlink:label="loc_invest_InvestmentDomain_A5BD45B302D1F123FF7154E35E7695AE" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_invest_InvestmentAxis_CA7DB3A2D18FFE5A409854E35E75D940" xlink:to="loc_invest_InvestmentDomain_A5BD45B302D1F123FF7154E35E7695AE" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_LowIncomeHousingTaxCreditInvestmentsMember" xlink:label="loc_schw_LowIncomeHousingTaxCreditInvestmentsMember_C0B7DCBFE90E31EEFEF754E35E76CD5E" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_invest_InvestmentDomain_A5BD45B302D1F123FF7154E35E7695AE" xlink:to="loc_schw_LowIncomeHousingTaxCreditInvestmentsMember_C0B7DCBFE90E31EEFEF754E35E76CD5E" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeAxis" xlink:label="loc_us-gaap_RangeAxis_CA7AC0F11D84C626D2C854E35E77A0E7" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_7C4CD58E7C856C125A5754E35E75F76C" xlink:to="loc_us-gaap_RangeAxis_CA7AC0F11D84C626D2C854E35E77A0E7" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_RangeMember" xlink:label="loc_us-gaap_RangeMember_32E9ACD82597424791E254E35E77A29F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeAxis_CA7AC0F11D84C626D2C854E35E77A0E7" xlink:to="loc_us-gaap_RangeMember_32E9ACD82597424791E254E35E77A29F" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MinimumMember" xlink:label="loc_us-gaap_MinimumMember_A9D450E8DC92F4DE48D254E35E774825" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeMember_32E9ACD82597424791E254E35E77A29F" xlink:to="loc_us-gaap_MinimumMember_A9D450E8DC92F4DE48D254E35E774825" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_MaximumMember" xlink:label="loc_us-gaap_MaximumMember_D3A7D062DCA9537A967754E35E77925D" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RangeMember_32E9ACD82597424791E254E35E77A29F" xlink:to="loc_us-gaap_MaximumMember_D3A7D062DCA9537A967754E35E77925D" xlink:type="arc" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_VariableInterestEntityLineItems" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_D356266B2A60B125EF9F54E35E78A3EA" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_7C4CD58E7C856C125A5754E35E75F76C" xlink:to="loc_us-gaap_VariableInterestEntityLineItems_D356266B2A60B125EF9F54E35E78A3EA" xlink:type="arc" />
    <link:loc xlink:href="schw-20180930.xsd#schw_InvestmentCommitmentExpectedPaymentDate" xlink:label="loc_schw_InvestmentCommitmentExpectedPaymentDate_99FC93E5F441E7D5908454E35E78B5B7" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" priority="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_D356266B2A60B125EF9F54E35E78A3EA" xlink:to="loc_schw_InvestmentCommitmentExpectedPaymentDate_99FC93E5F441E7D5908454E35E78B5B7" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:role="http://www.schwab.com/role/VariableInterestEntitiesTables" xlink:type="extended">
    <link:loc xlink:href="schw-20180930.xsd#schw_VariableInterestEntityDisclosureAbstract" xlink:label="loc_schw_VariableInterestEntityDisclosureAbstract_8D121125AE1204E6FF1F54E35E838EEA" xlink:type="locator" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2017/elts/us-gaap-2017-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_C3CFD1D565A0DEE9A62854E35E83A41F" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_schw_VariableInterestEntityDisclosureAbstract_8D121125AE1204E6FF1F54E35E838EEA" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_C3CFD1D565A0DEE9A62854E35E83A41F" xlink:type="arc" />
  </link:presentationLink>
</link:linkbase>
