Log in to your Charles Schwab account
Contact Schwab by phone or secure message to request account closure
Confirm that all positions are sold or transferred
Transfer or withdraw any remaining cash balance
Close linked services such as automatic transfers, bill pay, and direct deposit
Download or save account statements and tax documents
Complete any required closure forms if Schwab requests them
Verify there are no pending trades, fees, or unsettled transactions
Ask Schwab to confirm the account closure in writing
Destroy any unused checks, debit cards, or account materials tied to the account