收取国外交易费用，并在全球范围内退还 ATM 费用。
收取国外交易费用，并在全球范围内退还 ATM 费用。
不收取国外交易费用，并在全球范围内退还 ATM 费用。
嘉信理财 (Charles Schwab) 更适合国际旅客。 它不收取国外交易费用，并在全球范围内退还 ATM 费用。 美国银行每次在国外使用借记卡时收取 3% 的费用，从国外 ATM 取款时收取 3% 加 5 美元的费用
Charles Schwab is better for international travelers. It doesn't charge foreign transaction fees, and it refunds ATM fees worldwide. Bank of America charges a 3% fee each time you use a debit card abroad, and 3% plus $5 when you withdraw money from a foreign ATM.
https://www.businessinsider.com/personal-finance/charles-schwab-bank-review
Charles Schwab Bank Review 2024
Written by Laura Grace Tarpley, CEPF; edited by Sarah Silbert; reviewed by Evelyn He 
Jan 5, 2024, 11:33 AM PST
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Overall Bank RatingPros and ConsAbout Charles Schwab BankFAQsCharles Schwab Bank Account ReviewsHow Charles Schwab Bank ComparesWhy You Should Trust Us
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.
How Charles Schwab Bank products compare
Schwab Bank High Yield Investor Savings® Account
Schwab Bank High Yield Investor Checking® Account
Charles Schwab Bank CD
Editor's Rating
4.25/5
Annual Percentage Yield (APY)
0.48%
Minimum Deposit
$0
START SAVING
Charles Schwab, FDIC Insured
The bottom line: Charles Schwab Bank is one of the best banks for international travelers, because it doesn't charge foreign transaction fees. It also refunds all fees charged by ATMs worldwide. But if you want to earn high interest rates, you're better off looking elsewhere.
Charles Schwab Bank Review: Overall Rating

Feature
Personal Finance Insider rating (out of 5)
Savings
4.25
Checking
4.75
CD
3.75
Trustworthiness
4
Total
4.25

Charles Schwab Bank Pros and Cons

Pros
Cons
No foreign transaction fees
Unlimited out-of-network ATMs
No monthly bank maintenance fees on savings or checking account
Low savings rateBranches are mainly for investment services, so you need to be digitally savvyCDs don't compound interestNo way to deposit cash

About Charles Schwab Bank
Charles Schwab is primarily known for its investment services, but it also offers banking products.
There are over 300 Charles Schwab locations around the US. Although you may be able to talk with a representative about your bank accounts, the physical locations are mainly for investment services, not banking services.
You can do all your banking online, though, and the bank's mobile app has received 4.8 out of 5 stars in the Apple store, and 2.5 stars in the Google Play store.
Charles Schwab offers 24/7 customer support via online chat with customer service representatives. Or you can call an agent Monday through Friday, 4 a.m. to 8 p.m. ET, and weekends from 6 a.m. to 7:30 p.m. ET. 
Your Charles Schwab Bank accounts are FDIC insured for up to $250,000, or $500,000 for joint accounts.
Is Charles Schwab Bank Trustworthy?
Charles Schwab has received an A+ rating from the Better Business Bureau. A strong BBB rating signifies the company is transparent in how it handles business, responds effectively to customer complaints, and is honest in its advertising.
Charles Schwab does have a recent controversy, though. In 2022, Charles Schwab paid $187 in a settlement with the Securities and Exchange Commission. The SEC claimed three Schwab investment subsidiaries invested clients' money in ways Schwab's data showed would likely be less profitable for the customers, without telling the customers. Charles Schwab neither confirmed nor denied these allegations, but the company did settle.
Charles Schwab Bank FAQs
Is Charles Schwab Bank legit?
Can I use Charles Schwab as a bank?
Is Charles Schwab a good bank to have?
Charles Schwab is a good institution to avoid bank fees, such as overdraft, ATM, foreign transaction, and monthly service fees. But it isn't the best option if you want to earn high interest rates on your accounts.
What are the benefits of Charles Schwab banking?
Charles Schwab Bank Account Reviews
Schwab Bank High Yield Investor Savings Account
Schwab Bank High Yield Investor Savings® Account
Start Saving
Charles Schwab, FDIC Insured
Insider’s Rating
4.25/5
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.48%
Minimum Opening Deposit
$0
Show Pros, Cons, and More 
The Schwab Bank High Yield Investor Savings® Account has a $0 minimum deposit and no monthly service fee.
It's also rare for savings accounts to come with a debit card. Not only will Charles Schwab send you a debit card with your savings account, but the bank reimburses 100% of ATM fees charged by ATM operators. The bank will not charge a foreign transaction fee if you use your card abroad.
The account pays 0.48% APY (Annual Percentage Yield) on your balance — this is roughly the national average for savings accounts, and the best online banks pay significantly more.
Schwab Bank High Yield Investor Checking Account
Schwab Bank High Yield Investor Checking® Account
Start Banking
Charles Schwab, FDIC Insured
Insider’s Rating
4.75/5
Perks
Earn 0.45% Annual Percentage Yield (APY). $0 minimum deposit. FDIC Insured.
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.45%
Minimum Opening Deposit
$0
Show Pros, Cons, and More 
When you open a Schwab Bank High Yield Investor Checking® Account, you automatically open a brokerage account, too. The Schwab Bank High Yield Investor Checking® Account has a $0 minimum opening deposit and no monthly service fee. It pays 0.45% APY — while this is a nice perk, the best high-yield checking accounts pay significantly more.
Charles Schwab offers unlimited refunds for out-of-network ATM fees, and it doesn't charge foreign transaction fees.
Charles Schwab Bank CDs
Charles Schwab Bank CD
Start Saving
Charles Schwab Bank, FDIC Insured Accounts
Insider’s Rating
3.75/5
Annual Percentage Yield (APY)
5.20% to 5.46%
Minimum Opening Deposit
$1,000
Show Pros, Cons, and More 
Charles Schwab's CDs are different than what you'll find with most banks. Charles Schwab has brokered CDs, meaning Charles Schwab doesn't actually own the CD. Instead, Charles Schwab acts as the middleman for you and the bank that owns the CD.
The good news is that Charles Schwab CD rates are some of the highest out there — the bad news is that brokered CDs don't compound interest, which could drastically affect how much you earn if you have a large balance.
When interest is paid, it goes straight into your Charles Schwab brokerage account.
How Charles Schwab Bank Compares
Charles Schwab Bank vs. Bank of America
Charles Schwab and Bank of America both offer investment and bank products. Bank of America savings rates are low, and you'll earn a higher rate with Schwab.
But you may prefer Bank of America for CDs — Bank of America CD rates are high on select terms. It also offers a 12-month no-penalty CD that pays 3.51% APY. Perhaps most importantly, it compounds interest on CDs, while Charles Schwab does not.
But Charles Schwab is better for international travelers. It doesn't charge foreign transaction fees, and it refunds ATM fees worldwide. Bank of America charges a 3% fee each time you use a debit card abroad, and 3% plus $5 when you withdraw money from a foreign ATM.
Bank of America Review
Charles Schwab Bank vs. Capital One 360
Capital One 360 is another great bank for international travelers. It doesn't charge foreign transaction fees, and it won't charge a fee at foreign ATMs. However, it doesn't refund any fees charged by foreign ATMs like Charles Schwab does.
Capital One savings rates are signficantly higher than what you'll earn with Schwab. It pays 4.25% (as of 4/11/24) APY on all balances. Capital One also pays 3.90% to 4.80% APY on CDs, with interest compounding daily.
Capital One Bank Review
Why You Should Trust Us: How We Reviewed Charles Schwab Bank
To review Charles Schwab's checking and savings accounts, we used Personal Finance Insider's bank account methodology. To review its brokered CDs, we used our certificate of deposit methodology.
We evaluate the bank's ethics, customer service, and mobile apps when reviewing each account. Other factors considered depend on what type of account we're rating. For example, we look at overdraft fees for checking accounts, but interest rates for savings accounts and CDs. It's worth noting that we did not factor in early withdrawal penalties like we usually do for Charles Schwab CDs, because brokered CDs do not charge these penalties. (Instead, you can sell a CD if you need access to the money early.)
We assign each category a score between 0 and 5, then average them together to give each account a rating from 0 to 5.
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