![]() ![]() Banking Day-ATM withdrawals: The Bank uses seven Banking Days each week for purposes of the security limits on the number and amount of withdrawals from ATMs you can make.Bank-BNY Mellon Investment Servicing Trust (IST) Company and/or its affiliates, the entity responsible for administering the Bank Services.Available Margin Loan Value-The amount of credit we may extend to you based on the value of marginable securities held in your Margin and Short Account.Authorization Limit-The maximum amount you may withdraw from your Schwab One ® Account using checks.ATM Withdrawal-A transaction in which you receive money from an ATM.If an account is added to the Accounts of Your Household, any impact on Household Calculations may not take effect until the following quarter. 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 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. Schwab aggregates the balances and activities of Accounts of Your Household to determine for brokerage accounts: commission rates, whether those accounts may qualify for certain fee waivers, and whether those accounts may qualify for certain benefits or features ("Household Calculations"). You are responsible for identifying accounts that should be linked for purposes of determining Accounts of Your Household and Household Calculations. Schwab makes a reasonable effort to automatically link qualified accounts of persons with the same last name at the same home address, including accounts held at certain Schwab affiliates. Accounts of Your Household-Accounts of Your Household are accounts that have been linked in accordance with Schwab's householding guidelines.Account-Account means the brokerage Account established under your Account Application and Account Agreement.DefinitionsĪs used in the Schwab One ® Account Agreement, the terms listed below are defined as follows: * Customers residing within Europe are restricted from using their Available Margin Loan Value to withdraw funds from their account. We will pay interest on your Free Credit Balance awaiting investment, and we will charge interest on amounts you owe us. ![]()
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