{"account":{"slug":"schwab-investor-checking","bank":"Charles Schwab","name":"Schwab Bank Investor Checking"},"status":"recent","lastVerified":"2026-09-04","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"}],"verificationEvents":[{"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"}