![]() ![]() Visa ® Debit Card Agreement and Disclosure Statement. Electronic funds transfers associated with your Schwab Visa ® check card are governed by the Charles Schwab & Co., Inc. Other Electronic Funds Transfer Services, such as Direct Deposit and transfers between Schwab accounts, are governed by your Account Agreements. or Charles Schwab Bank, SSB, as applicable, and as may be amended. These Terms and Conditions govern your use of the Service and are hereby incorporated by reference and subject to the Terms and Conditions of your Account Agreement with Charles Schwab & Co., Inc. The Terms and Conditions contained in Section 30 apply to Schwab accounts managed by an independent investment advisor ("Advisor"). Please read the Terms and Conditions carefully and retain the documentation for future reference. These Terms and Conditions will govern all transactions initiated under the Service, and your use of such Service will confirm that you have received, reviewed, and agreed to be bound by the Terms and Conditions, including, without limit, any amendments, until you cancel the Service as described in the Terms and Conditions. You acknowledge that when you use the Service we are bound by and required to comply with the Operating Rules and Guidelines of the National Automated Clearing House Association. The origination of ACH Entries and the transmission and issuance of other transactions and information via the Service will be pursuant to (i) these Terms and Conditions and (ii) the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, "NACHA Rules"), as they may be updated from time to time. and Charles Schwab Bank, SSB ("Schwab"), and the words "you" and "your" refer to the individual(s) or entity identified on the account(s) and using the Service, as well as anyone authorized under the applicable Schwab Account Agreement (such as a joint tenant or authorized agent) to instruct Schwab with respect to transactions in the account that are initiated by using the Service. The words "we," "us," and "our" refer to the entity with which you have your Account, and its affiliates, including, but not limited to, Charles Schwab & Co., Inc. These Terms and Conditions supersede and replace any prior terms and conditions associated with the Service. and Charles Schwab Bank, SSB regarding the Schwab MoneyLink ® Electronic Funds Transfer Service (the "Service" or "ACH Service" or "ACH") and sets forth the terms and conditions that govern your use of the Service ("Terms and Conditions"). This document constitutes your agreement with Charles Schwab & Co., Inc. Please read this important information carefully. Environmental, Social and Governance (ESG) Investing.Bond Funds, Bond ETFs, and Preferred Securities.ADRs, Foreign Ordinaries & Canadian Stocks.Environmental, Social and Governance (ESG) ETFs.Environmental, Social and Governance (ESG) Mutual Funds.Benefits and Considerations of Mutual Funds. ![]()
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