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How long does it normally take to arrive at the destination account?
We believe cash is a key component of an investment portfolio. Based on your risk profile, a portion of your portfolio is placed in an FDIC-insured deposit at Schwab Bank. Some cash alternatives outside of the programs pay a higher yield. Please note that this does not apply to Schwab accounts managed by an independent investment advisor. To the extent that you hold a foreign currency in your Schwab Global Account™ that is paying a negative interest rate, Schwab can be charged interest to hold that currency. If that occurs, Schwab reserves the right to charge your Account, with no additional markup, the amount of interest charged to Schwab. 3Local broker fees in Canada are up to $0.005 CAD per share for stocks trading at less than $1 CAD per share, and $0.01 CAD per share for stocks trading at or above $1 CAD per share. Stock commissions and minimums apply for secondary market transactions.@CharlesSchwab longtime customer seeking fee waiver for wire transfer to #NepalEarthquake relief. also sent to @WaltBettinger WDUS?
— Alan D. Abbey (@alanabbey) May 2, 2015

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What Bank does Charles Schwab use?
Trust, custody, and deposit products and services, including the High Yield Investor Checking account, are offered by Charles Schwab Bank, SSB; Charles Schwab Trust Bank; and Charles Schwab Premier Bank, SSB, Members of FDIC. Charles Schwab & Co., Inc.