Personal Accounts

This page will provide you with helpful information about opening individual and international individual accounts at Schwab. Click on a link below to view a specific article.

Articles related to Individual Personal Accounts

Introduction to Schwab One® accounts
A Schwab One® account is a single investment account with access to a wide range of investments and built-in cash management features. Certain Schwab One account registrations can be linked to a Schwab Bank Investor CheckingTM account, providing easy access to cash and checking.

Introduction to custodial accounts
A Schwab One® custodial account is a brokerage account established and managed by an adult for the benefit of a minor. The account is established under the Uniform Gifts to Minors Act (UGMA) or the Uniform Transfers to Minors Act (UTMA) and is used to pass irrevocable gifts to a minor or as a savings account for the child.

How to open a personal brokerage account
Personal brokerage accounts at Schwab are single investment accounts that offer you and your clients easy access to a wide range of investments and built-in cash-management features. Open individual, joint, and custodial brokerage accounts using digital onboarding. You can also open an individual, joint, custodial, guardianship, or conservatorship personal brokerage account online using DocuSign®, or paper forms.

How to open an estate account
How to use DocuSign® to open an estate account to manage the assets of a decedent’s estate during the course of probation, prior to the distribution of assets to the estate beneficiary(ies).

How to open a Conservatorship or Guardianship account
How to open a conservatorship or guardianship account, the difference between the two, required documents and opening electronically.

Related articles
Introduction to pledged asset accounts
How to use digital onboarding

Articles related to International Individual Accounts

How to open an international individual or joint brokerage account
International brokerage accounts can be opened at Schwab, subject to OFAC-prohibited jurisdictions and Schwab’s foreign account acceptance policies.

Related articles
Form W-8 overview and assistance
Guidelines for working with international accounts
Schwab's policy for clients in international jurisdictions