As you begin to consider how best to manage your financial future, you should feel confident knowing that with a CFP® professional, you’re working with someone committed to providing the highest standard of financial planning.
The Schwab One Schwab aggregates the balances and activities of Accounts of Your Household to determine for brokerage accounts: commission rates, the interest rates that certain cash balances receive, whether those accounts may qualify for certain fee waivers, and whether those accounts may qualify for certain benefits or features ("Household Calculations"). Schwab may establish from time to time minimum balance requirements to open an Account.
Schwab may consider other accounts to be in your household upon your request if account holders are in the same family, there is a dependent relationship, or in certain other similar instances at Schwab's discretion. The minimum deposit may consist of a check, money order, Electronic Fund Transfer and/or marginable securities.
For example, if you or other members of your family who reside at your home address have a different last name (including a spouse, if applicable), you need to contact Schwab to request that we combine your accounts for purposes of Household Calculations. Schwab's Cash Features Program is the service described in the Cash Features Disclosure Statement that we provide to automatically invest, or "sweep," the Free Credit Balance in your Account into a liquid investment or to earn interest from Schwab on the Free Credit Balance in your Account.
If an account is added to the Accounts of Your Household, any impact on Household Calculations may not take effect until the following quarter. The Cash Features Program permits you to earn income while you decide how those funds should be invested longer term.
Similarly, the Norse colonization of North America is generally not treated as "pre-Columbian", despite the fact that it predates Columbus by several centuries.
Many pre-Columbian civilizations established hallmarks which included permanent settlements, cities, agriculture, civic and monumental architecture, major earthworks, and complex societal hierarchies.
The money is electronically withdrawn from the payer’s account, sent via the ACH network to the payee’s banking institution, and then electronically deposited into the payee’s account – similar to a paper check, just electronically.
Please read this Agreement carefully and retain it for future reference. is a member firm of the Financial Industry Regulatory Authority (FINRA).
ACH stands for “Automated Clearing House.” This is the electronic network used by financial institutions in the United States that provides the infrastructure used by payment processing companies.