<?xml version="1.0" encoding="US-ASCII"?>
<!--  EDGAR Online I-Metrix Xcelerate Taxonomy Schema, based on XBRL 2.1  http://www.edgar-online.com/  -->
<!--  Version: 6.0.12 -->
<!--  Creation date: 2009-08-06T09:45Z -->
<!--  Copyright (c) 2005-2009 EDGAR Online, Inc. All Rights Reserved. -->
<schema xmlns="http://www.w3.org/2001/XMLSchema"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:schw="http://www.schwab.com/20090630"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:us-types="http://xbrl.us/us-types/2008-03-31"
  targetNamespace="http://www.schwab.com/20090630"
  elementFormDefault="qualified" attributeFormDefault="unqualified">
  <annotation>
    <appinfo>
      <link:roleType roleURI="http://www.schwab.com/taxonomy/role/StatementOfIncomeSecuritiesBasedIncome" id="IMetrix_StatementOfIncomeSecuritiesBasedIncome">
        <link:definition>11 - Statement - Statement Of Income Securities Based Income</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.schwab.com/taxonomy/role/StatementOfFinancialPositionUnclassified-SecuritiesBasedOperations" id="IMetrix_StatementOfFinancialPositionUnclassified-SecuritiesBasedOperations">
        <link:definition>12 - Statement - Statement Of Financial Position Unclassified - Securities Based Operations</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.schwab.com/taxonomy/role/StatementOfFinancialPositionUnclassified-SecuritiesBasedOperationsParenthetical" id="IMetrix_StatementOfFinancialPositionUnclassified-SecuritiesBasedOperationsParen">
        <link:definition>13 - Statement - Statement Of Financial Position Unclassified - Securities Based Operations (Parenthetical)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.schwab.com/taxonomy/role/StatementOfCashFlowsIndirectSecuritiesBasedOperations" id="IMetrix_StatementOfCashFlowsIndirectSecuritiesBasedOperations">
        <link:definition>14 - Statement - Statement Of Cash Flows Indirect Securities Based Operations</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.schwab.com/taxonomy/role/NotesToFinancialStatements" id="IMetrix_NotesToFinancialStatements">
        <link:definition>15 - Disclosure - Notes to Financial Statements</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.schwab.com/taxonomy/role/DocumentInformation" id="IMetrix_DocumentInformation">
        <link:definition>16 - Disclosure - Document Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.schwab.com/taxonomy/role/EntityInformation" id="IMetrix_EntityInformation">
        <link:definition>17 - Disclosure - Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:href="schw-20090630_cal.xml" xlink:title="Calculation Links, all"/>
      <link:linkbaseRef xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:href="schw-20090630_lab.xml" xlink:title="Label Links, all"/>
      <link:linkbaseRef xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:href="schw-20090630_pre.xml" xlink:title="Presentation Links, all"/>
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <import namespace="http://xbrl.us/us-gaap/2008-03-31" schemaLocation="http://xbrl.us/us-gaap/1.0/elts/us-gaap-2008-03-31.xsd"/>
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <import namespace="http://xbrl.us/us-types/2008-03-31" schemaLocation="http://xbrl.us/us-gaap/1.0/elts/us-types-2008-03-31.xsd"/>
  <import namespace="http://xbrl.us/dei/2008-03-31" schemaLocation="http://xbrl.us/us-gaap/1.0/non-gaap/dei-2008-03-31.xsd"/>
  <element name="CashPaidDuringPeriodForAbstract" id="schw_CashPaidDuringPeriodForAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="EarningsPerShareTextBlock" id="schw_EarningsPerShareTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="IncreaseDecreaseInCashAndSecuritiesSegregatedUnderFederalAndOtherRegulations" id="schw_IncreaseDecreaseInCashAndSecuritiesSegregatedUnderFederalAndOtherRegulations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="IncreaseDecreaseInPayablesToCustomers" id="schw_IncreaseDecreaseInPayablesToCustomers" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="IncreaseDecreaseInReceivablesFromBrokerageClients" id="schw_IncreaseDecreaseInReceivablesFromBrokerageClients" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NetOtherThanTemporaryImpairments" id="schw_NetOtherThanTemporaryImpairments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NoncreditPortionOfOtherThanTemporaryImpairments" id="schw_NoncreditPortionOfOtherThanTemporaryImpairments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NotesToFinancialStatementsAbstract" id="schw_NotesToFinancialStatementsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OtherThanTemporaryImpairments" id="schw_OtherThanTemporaryImpairments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ReceivablesFromBrokerageClients" id="schw_ReceivablesFromBrokerageClients" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
</schema>

