{"account":{"slug":"schwab-investor-checking","bank":"Charles Schwab","name":"Schwab Bank Investor Checking"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.schwab.com/checking","history":[{"date":"2026-06-11","apy":"0.45%","monthlyFee":"$0","minimumOpen":"None","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-09-04","apy":"0.45% variable APY","monthlyFee":"$0","minimumOpen":"None","note":"Terms reconfirmed; ATM rebates exclude dynamic currency conversion and non-withdrawal charges","sourceUrl":"https://www.schwab.com/checking","sourceLabel":"Schwab Bank Investor Checking product page and fee disclosure"},{"date":"2026-10-23","apy":"0.01% variable APY","monthlyFee":"$0","minimumOpen":"None","note":"Current cash-solutions table lists 0.01% for Investor Checking. This is the observation date, not an established effective date for the rate change.","sourceUrl":"https://www.schwab.com/cash-investments","sourceLabel":"Schwab cash solutions and rates"}],"verificationEvents":[{"id":"12bdb2f7-971f-4bf1-873b-7ee3fac8b86b","entityType":"bank-account","slug":"schwab-investor-checking","checkedAt":"2026-10-23T04:19:17.817Z","recordedAt":"2026-10-23T04:19:17.818Z","sourceUrl":"https://www.schwab.com/checking/faqs","sourceLabel":"Schwab checking fees, funding and ATM FAQs","outcome":"changed","summary":"Confirmed no monthly fee or minimum balance, existing eligible brokerage linkage, ATM rebate exclusions and month-end timing, funding requirements and margin-overdraft risks. Removed unsupported exclusive travel advantage and unconditional instant-transfer claims.","changedFields":["features","atm","sections","faqs","ourTake"],"previousHash":"7a05ecd648ad04b50e4fa4bafb73315a7ce829c6ff8dc08c0a0f76ccc392cd22","recordHash":"e74621843cf98894df373b4888e9d88ea729bb68423c83c9d4ce38d7fe32bdbd"},{"id":"01764122-531f-4d57-a015-8f8a300db9a0","entityType":"bank-account","slug":"schwab-investor-checking","checkedAt":"2026-10-23T04:19:17.742Z","recordedAt":"2026-10-23T04:19:17.743Z","sourceUrl":"https://www.schwab.com/cash-investments","sourceLabel":"Schwab cash solutions and rates","outcome":"changed","summary":"Confirmed 0.01% Investor Checking APY. Preserved prior 0.45% snapshots; October 23 is observation date, not an asserted rate-change effective date.","changedFields":["apy","termHistory","lastVerified"],"previousHash":"aeb2cc0d2a1b21e6983e33751dd57c9247dc47de6384411a9b23512650df5889","recordHash":"7a05ecd648ad04b50e4fa4bafb73315a7ce829c6ff8dc08c0a0f76ccc392cd22"},{"id":"aacaafdd-58dc-4f33-b295-584ee89fa809","entityType":"bank-account","slug":"schwab-investor-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T00:55:53.865Z","sourceUrl":"https://www.schwab.com/checking","sourceLabel":"Schwab Bank Investor Checking product page","outcome":"confirmed","summary":"Reconfirmed APY, no monthly fee, no opening minimum, no overdraft fee, linked brokerage requirement, worldwide ATM rebates and no foreign transaction fee","changedFields":["features","termHistory","lastVerified"],"facts":{"apy":"0.45% variable","monthlyFee":"$0","minimumOpen":"None"},"previousHash":"782320047fc0edfe80423ed39bf172a212600487e879af19dc0f73eac6576278","recordHash":"fd40861c653e5880a390afd598adca55873c6ebefb43fdea608e83f0efc2b72b"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}