<?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: 6.7.10 -->
<!--  Round: d470ac71-85cc-47fd-9390-f245ad1f86b6 -->
<!--  Creation date: 2010-11-08T19:24:29Z -->
<!--  Copyright (c) 2005-2010 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.charlesschwab.com/20100930"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:us-types="http://xbrl.us/us-types/2009-01-31"
  targetNamespace="http://www.charlesschwab.com/20100930"
  elementFormDefault="qualified" attributeFormDefault="unqualified">
  <annotation>
    <appinfo>
      <link:roleType roleURI="http://www.charlesschwab.com/taxonomy/role/DocumentDocumentandEntityInformation" id="DocumentDocumentandEntityInformation">
        <link:definition>101 - Document - Document and 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:roleType roleURI="http://www.charlesschwab.com/taxonomy/role/StatementOfIncomeSecuritiesBasedIncome" id="IMetrix_StatementOfIncomeSecuritiesBasedIncome">
        <link:definition>103 - Statement - Condensed Consolidated Statements of 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.charlesschwab.com/taxonomy/role/StatementOfIncomeSecuritiesBasedIncomeParenthetical" id="IMetrix_StatementOfIncomeSecuritiesBasedIncomeParen">
        <link:definition>104 - Statement - Condensed Consolidated Statements of Income (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.charlesschwab.com/taxonomy/role/StatementOfFinancialPositionUnclassified-SecuritiesBasedOperations" id="IMetrix_StatementOfFinancialPositionUnclassified-SecuritiesBasedOperations">
        <link:definition>105 - Statement - Condensed Consolidated Balance Sheets</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.charlesschwab.com/taxonomy/role/StatementOfFinancialPositionUnclassified-SecuritiesBasedOperationsParenthetical" id="IMetrix_StatementOfFinancialPositionUnclassified-SecuritiesBasedOperationsParen">
        <link:definition>106 - Statement - Condensed Consolidated Balance Sheets (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.charlesschwab.com/taxonomy/role/StatementOfCashFlowsIndirectSecuritiesBasedOperations" id="IMetrix_StatementOfCashFlowsIndirectSecuritiesBasedOperations">
        <link:definition>107 - Statement - Condensed Consolidated Statements of Cash Flows</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsOrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" id="IMetrix_NotesToFinancialStatementsOrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock">
        <link:definition>108 - Disclosure - Introduction and Basis of Presentation</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" id="IMetrix_NotesToFinancialStatementsScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock">
        <link:definition>109 - Disclosure - New Accounting Standards</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsInvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" id="IMetrix_NotesToFinancialStatementsInvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock">
        <link:definition>110 - Disclosure - Securities Available for Sale and Securities Held to Maturity</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsLoansNotesTradeAndOtherReceivablesDisclosureTextBlock" id="IMetrix_NotesToFinancialStatementsLoansNotesTradeAndOtherReceivablesDisclosureTextBlock">
        <link:definition>111 - Disclosure - Loans to Banking Clients and Related Allowance for Credit Losses</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsLongTermDebtTextBlock" id="IMetrix_NotesToFinancialStatementsLongTermDebtTextBlock">
        <link:definition>112 - Disclosure - Long-term Debt</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsCommitmentsAndContingenciesDisclosureTextBlock" id="IMetrix_NotesToFinancialStatementsCommitmentsAndContingenciesDisclosureTextBlock">
        <link:definition>113 - Disclosure - Commitments and Contingent Liabilities</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsFairValueDisclosuresTextBlock" id="IMetrix_NotesToFinancialStatementsFairValueDisclosuresTextBlock">
        <link:definition>114 - Disclosure - Fair Values of Assets and Liabilities</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsIssuanceOfCommonStockTextBlock" id="IMetrix_NotesToFinancialStatementsIssuanceOfCommonStockTextBlock">
        <link:definition>115 - Disclosure - Equity Offering</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsComprehensiveIncomeNoteTextBlock" id="IMetrix_NotesToFinancialStatementsComprehensiveIncomeNoteTextBlock">
        <link:definition>116 - Disclosure - Comprehensive Income and Accumulated Other Comprehensive Income (Loss)</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsMoneyMarketMutualFundChargesTextBlock" id="IMetrix_NotesToFinancialStatementsMoneyMarketMutualFundChargesTextBlock">
        <link:definition>117 - Disclosure - Money Market Mutual Fund Charges</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsEarningsPerShareTextBlock" id="IMetrix_NotesToFinancialStatementsEarningsPerShareTextBlock">
        <link:definition>118 - Disclosure - Earnings Per Share</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" id="IMetrix_NotesToFinancialStatementsRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock">
        <link:definition>119 - Disclosure - Regulatory Requirements</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsSegmentReportingDisclosureTextBlock" id="IMetrix_NotesToFinancialStatementsSegmentReportingDisclosureTextBlock">
        <link:definition>120 - Disclosure - Segment 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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsInvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlockTables" id="IMetrix_NotesToFinancialStatementsInvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlockTables">
        <link:definition>121 - Disclosure - Securities Available for Sale and Securities Held to Maturity (Tables)</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsLoansNotesTradeAndOtherReceivablesDisclosureTextBlockTables" id="IMetrix_NotesToFinancialStatementsLoansNotesTradeAndOtherReceivablesDisclosureTextBlockTables">
        <link:definition>122 - Disclosure - Loans to Banking Clients and Related Allowance for Credit Losses (Tables)</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsLongTermDebtTextBlockTables" id="IMetrix_NotesToFinancialStatementsLongTermDebtTextBlockTables">
        <link:definition>123 - Disclosure - Long-term Debt (Tables)</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsFairValueDisclosuresTextBlockTables" id="IMetrix_NotesToFinancialStatementsFairValueDisclosuresTextBlockTables">
        <link:definition>124 - Disclosure - Fair Values of Assets and Liabilities (Tables)</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsComprehensiveIncomeNoteTextBlockTables" id="IMetrix_NotesToFinancialStatementsComprehensiveIncomeNoteTextBlockTables">
        <link:definition>125 - Disclosure - Comprehensive Income and Accumulated Other Comprehensive Income (Loss) (Tables)</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsEarningsPerShareTextBlockTables" id="IMetrix_NotesToFinancialStatementsEarningsPerShareTextBlockTables">
        <link:definition>126 - Disclosure - Earnings Per Share (Tables)</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlockTables" id="IMetrix_NotesToFinancialStatementsRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlockTables">
        <link:definition>127 - Disclosure - Regulatory Requirements (Tables)</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.charlesschwab.com/taxonomy/role/NotesToFinancialStatementsSegmentReportingDisclosureTextBlockTables" id="IMetrix_NotesToFinancialStatementsSegmentReportingDisclosureTextBlockTables">
        <link:definition>128 - Disclosure - Segment Information (Tables)</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.charlesschwab.com/taxonomy/role/DisclosureIntroductionAndBasisOfPresentationAdditionalInformation" id="DisclosureIntroductionAndBasisOfPresentationAdditionalInformation">
        <link:definition>129 - Disclosure - Introduction And Basis Of Presentation - Additional Information (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureAmortizedCostGrossUnrealizedGainsAndLossesAndFairValueOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturity" id="DisclosureAmortizedCostGrossUnrealizedGainsAndLossesAndFairValueOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturity">
        <link:definition>130 - Disclosure - Amortized Cost, Gross Unrealized Gains And Losses, And Fair Value Of Securities Available For Sale And Securities Held To Maturity (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureSecuritiesWithUnrealizedLossesAggregatedByCategoryAndPeriodOfContinuousUnrealizedLoss" id="DisclosureSecuritiesWithUnrealizedLossesAggregatedByCategoryAndPeriodOfContinuousUnrealizedLoss">
        <link:definition>131 - Disclosure - Securities With Unrealized Losses, Aggregated By Category And Period Of Continuous Unrealized Loss (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureSecuritiesWithUnrealizedLossesAggregatedByCategoryAndPeriodOfContinuousUnrealizedLossParenthetical" id="DisclosureSecuritiesWithUnrealizedLossesAggregatedByCategoryAndPeriodOfContinuousUnrealizedLossParenthetical">
        <link:definition>132 - Disclosure - Securities With Unrealized Losses, Aggregated By Category And Period Of Continuous Unrealized Loss (Parenthetical) (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityAdditionalInformation" id="DisclosureSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityAdditionalInformation">
        <link:definition>133 - Disclosure - Securities Available for Sale and Securities Held to Maturity - Additional Information (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureRollforwardAmountOfCreditLossesRecognizedInEarningsForOTTISecuritiesHeldByCompanyForPortionOfImpairmentRecognizedInOtherComprehensiveIncome" id="DisclosureRollforwardAmountOfCreditLossesRecognizedInEarningsForOTTISecuritiesHeldByCompanyForPortionOfImpairmentRecognizedInOtherComprehensiveIncome">
        <link:definition>134 - Disclosure - Rollforward Amount Of Credit Losses Recognized In Earnings For OTTI Securities Held by Company for Portion of Impairment Recognized in Other Comprehensive Income (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureMaturitiesOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturity" id="DisclosureMaturitiesOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturity">
        <link:definition>135 - Disclosure - Maturities Of Securities Available For Sale And Securities Held To Maturity (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureProceedsAndGrossRealizedGainsLossesFromSalesOfSecuritiesAvailableForSale" id="DisclosureProceedsAndGrossRealizedGainsLossesFromSalesOfSecuritiesAvailableForSale">
        <link:definition>136 - Disclosure - Proceeds and Gross Realized Gains (Losses) from Sales of Securities Available for Sale (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureCompositionOfTheLoanPortfolio" id="DisclosureCompositionOfTheLoanPortfolio">
        <link:definition>137 - Disclosure - Composition Of The Loan Portfolio (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureLoansToBankingClientsAndRelatedAllowanceForCreditLossesAdditionalInformation" id="DisclosureLoansToBankingClientsAndRelatedAllowanceForCreditLossesAdditionalInformation">
        <link:definition>138 - Disclosure - Loans To Banking Clients And Related Allowance For Credit Losses - Additional Information (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureChangesInTheAllowanceForCreditLosses" id="DisclosureChangesInTheAllowanceForCreditLosses">
        <link:definition>139 - Disclosure - Changes In The Allowance For Credit Losses (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureLongtermDebtNetOfUnamortizedDebtDiscountsAndPremiums" id="DisclosureLongtermDebtNetOfUnamortizedDebtDiscountsAndPremiums">
        <link:definition>140 - Disclosure - Long-term Debt Net of Unamortized Debt Discounts and Premiums (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureLongtermDebtAdditionalInformation" id="DisclosureLongtermDebtAdditionalInformation">
        <link:definition>141 - Disclosure - Long-term Debt - Additional Information (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureCommitmentsAndContingentLiabilitiesAdditionalInformation" id="DisclosureCommitmentsAndContingentLiabilitiesAdditionalInformation">
        <link:definition>142 - Disclosure - Commitments and Contingent Liabilities - Additional Information (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureFairValueHierarchyForAssetsMeasuredAtFairValue" id="DisclosureFairValueHierarchyForAssetsMeasuredAtFairValue">
        <link:definition>143 - Disclosure - Fair Value Hierarchy For Assets Measured At Fair Value (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureFairValueEstimatesForFinancialInstrumentsExcludingShortTermFinancialAssetsAndLiabilitiesAndFinancialInstrumentsRecordedAtFairValue" id="DisclosureFairValueEstimatesForFinancialInstrumentsExcludingShortTermFinancialAssetsAndLiabilitiesAndFinancialInstrumentsRecordedAtFairValue">
        <link:definition>144 - Disclosure - Fair Value Estimates For Financial Instruments Excluding Short Term Financial Assets And Liabilities And Financial Instruments Recorded at Fair Value (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureEquityOfferingAdditionalInformation" id="DisclosureEquityOfferingAdditionalInformation">
        <link:definition>145 - Disclosure - Equity Offering - Additional Information (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureComponentsOfComprehensiveIncome" id="DisclosureComponentsOfComprehensiveIncome">
        <link:definition>146 - Disclosure - Components of Comprehensive Income (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureAccumulatedOtherComprehensiveIncomelossBalances" id="DisclosureAccumulatedOtherComprehensiveIncomelossBalances">
        <link:definition>147 - Disclosure - Accumulated Other Comprehensive Income (loss) Balances (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureMoneyMarketMutualFundCharges" id="DisclosureMoneyMarketMutualFundCharges">
        <link:definition>148 - Disclosure - Money Market Mutual Fund Charges (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureEPSUnderBasicAndDilutedComputations" id="DisclosureEPSUnderBasicAndDilutedComputations">
        <link:definition>149 - Disclosure - EPS Under Basic And Diluted Computations (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureEPSUnderBasicAndDilutedComputationsParenthetical" id="DisclosureEPSUnderBasicAndDilutedComputationsParenthetical">
        <link:definition>150 - Disclosure - EPS Under Basic And Diluted Computations (Parenthetical) (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureTheRegulatoryCapitalAndRatios" id="DisclosureTheRegulatoryCapitalAndRatios">
        <link:definition>151 - Disclosure - The regulatory capital and ratios (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureRegulatoryRequirementsAdditionalInformation" id="DisclosureRegulatoryRequirementsAdditionalInformation">
        <link:definition>152 - Disclosure - Regulatory Requirements - Additional Information (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureSelectedFinancialInformationForTheCompanysReportableSegments" id="DisclosureSelectedFinancialInformationForTheCompanysReportableSegments">
        <link:definition>153 - Disclosure - Selected Financial Information For The Company&#8217;s Reportable Segments (Detail)</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.charlesschwab.com/taxonomy/role/DisclosureSelectedFinancialInformationForTheCompanysReportableSegmentsParenthetical" id="DisclosureSelectedFinancialInformationForTheCompanysReportableSegmentsParenthetical">
        <link:definition>154 - Disclosure - Selected Financial Information For The Company&#8217;s Reportable Segments (Parenthetical) (Detail)</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-20100930_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/definitionLinkbaseRef" xlink:href="schw-20100930_def.xml" xlink:title="Definition 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-20100930_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-20100930_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.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <import namespace="http://xbrl.us/us-types/2009-01-31" schemaLocation="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-types-2009-01-31.xsd"/>
  <import namespace="http://xbrl.us/us-gaap/2009-01-31" schemaLocation="http://taxonomies.xbrl.us/us-gaap/2009/elts/us-gaap-2009-01-31.xsd"/>
  <import namespace="http://xbrl.us/dei/2009-01-31" schemaLocation="http://taxonomies.xbrl.us/us-gaap/2009/non-gaap/dei-2009-01-31.xsd"/>
  <element name="AccumulatedOtherComprehensiveIncomeLossDisclosureTextBlock" id="schw_AccumulatedOtherComprehensiveIncomeLossDisclosureTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AllowanceForCreditLossesTextBlock" id="schw_AllowanceForCreditLossesTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="Alt-AResidentialMortgageBackedSecuritiesMember" id="schw_Alt-AResidentialMortgageBackedSecuritiesMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AvailableForSaleSecuritiesUnrealizedGains" id="schw_AvailableForSaleSecuritiesUnrealizedGains" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="AvailableForSaleSecuritiesUnrealizedLosses" id="schw_AvailableForSaleSecuritiesUnrealizedLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="BranchOffices" id="schw_BranchOffices" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="CashPaidDuringPeriodForAbstract" id="schw_CashPaidDuringPeriodForAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="CollateralRequirementsMember" id="schw_CollateralRequirementsMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ComprehensiveIncomeTableTextBlock" id="schw_ComprehensiveIncomeTableTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="CreditLossesRecognizedInEarnings" id="schw_CreditLossesRecognizedInEarnings" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="CreditLossesRecordedInEarningsTextBlock" id="schw_CreditLossesRecordedInEarningsTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DamagesSoughtLossContingency" id="schw_DamagesSoughtLossContingency" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DebtTableDisclosureTextBlock" id="schw_DebtTableDisclosureTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DescriptionOfNetCapitalRequirementsUnderAlternativeMethodPermittedByUniformNetCapitalRule" id="schw_DescriptionOfNetCapitalRequirementsUnderAlternativeMethodPermittedByUniformNetCapitalRule" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureAccumulatedOtherComprehensiveIncomelossBalancesAbstract" id="schw_DisclosureAccumulatedOtherComprehensiveIncomelossBalancesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureAmortizedCostGrossUnrealizedGainsAndLossesAndFairValueOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityAbstract" id="schw_DisclosureAmortizedCostGrossUnrealizedGainsAndLossesAndFairValueOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureChangesInTheAllowanceForCreditLossesAbstract" id="schw_DisclosureChangesInTheAllowanceForCreditLossesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureCommitmentsAndContingentLiabilitiesAdditionalInformationAbstract" id="schw_DisclosureCommitmentsAndContingentLiabilitiesAdditionalInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureComponentsOfComprehensiveIncomeAbstract" id="schw_DisclosureComponentsOfComprehensiveIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureCompositionOfTheLoanPortfolioAbstract" id="schw_DisclosureCompositionOfTheLoanPortfolioAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureEPSUnderBasicAndDilutedComputationsAbstract" id="schw_DisclosureEPSUnderBasicAndDilutedComputationsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureEquityOfferingAdditionalInformationAbstract" id="schw_DisclosureEquityOfferingAdditionalInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureFairValueEstimatesForFinancialInstrumentsExcludingShortTermFinancialAssetsAndLiabilitiesAndFinancialInstrumentsRecordedAtFairValueAbstract" id="schw_DisclosureFairValueEstimatesForFinancialInstrumentsExcludingShortTermFinancialAssetsAndLiabilitiesAndFinancialInstrumentsRecordedAtFairValueAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureFairValueHierarchyForAssetsMeasuredAtFairValueAbstract" id="schw_DisclosureFairValueHierarchyForAssetsMeasuredAtFairValueAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureIntroductionAndBasisOfPresentationAdditionalInformationAbstract" id="schw_DisclosureIntroductionAndBasisOfPresentationAdditionalInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureLoansToBankingClientsAndRelatedAllowanceForCreditLossesAdditionalInformationAbstract" id="schw_DisclosureLoansToBankingClientsAndRelatedAllowanceForCreditLossesAdditionalInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureLongtermDebtAdditionalInformationAbstract" id="schw_DisclosureLongtermDebtAdditionalInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureLongtermDebtNetOfUnamortizedDebtDiscountsAndPremiumsAbstract" id="schw_DisclosureLongtermDebtNetOfUnamortizedDebtDiscountsAndPremiumsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureMaturitiesOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityAbstract" id="schw_DisclosureMaturitiesOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureMoneyMarketMutualFundChargesAbstract" id="schw_DisclosureMoneyMarketMutualFundChargesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureProceedsAndGrossRealizedGainsLossesFromSalesOfSecuritiesAvailableForSaleAbstract" id="schw_DisclosureProceedsAndGrossRealizedGainsLossesFromSalesOfSecuritiesAvailableForSaleAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureRegulatoryRequirementsAdditionalInformationAbstract" id="schw_DisclosureRegulatoryRequirementsAdditionalInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureRollforwardAmountOfCreditLossesRecognizedInEarningsForOTTISecuritiesHeldByCompanyForPortionOfImpairmentRecognizedInOtherComprehensiveIncomeAbstract" id="schw_DisclosureRollforwardAmountOfCreditLossesRecognizedInEarningsForOTTISecuritiesHeldByCompanyForPortionOfImpairmentRecognizedInOtherComprehensiveIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityAdditionalInformationAbstract" id="schw_DisclosureSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityAdditionalInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureSecuritiesWithUnrealizedLossesAggregatedByCategoryAndPeriodOfContinuousUnrealizedLossAbstract" id="schw_DisclosureSecuritiesWithUnrealizedLossesAggregatedByCategoryAndPeriodOfContinuousUnrealizedLossAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureSelectedFinancialInformationForTheCompanysReportableSegmentsAbstract" id="schw_DisclosureSelectedFinancialInformationForTheCompanysReportableSegmentsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DisclosureTheRegulatoryCapitalAndRatiosAbstract" id="schw_DisclosureTheRegulatoryCapitalAndRatiosAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="DocumentDocumentandEntityInformationAbstract" id="schw_DocumentDocumentandEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="EarningsPerShareComputationTextBlock" id="schw_EarningsPerShareComputationTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="EquityAndBondMutualFundsMember" id="schw_EquityAndBondMutualFundsMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="EquityUSGovernmentAndCorporateDebtAndOtherSecuritiesMember" id="schw_EquityUSGovernmentAndCorporateDebtAndOtherSecuritiesMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FairValueAdjustmentOfDebt" id="schw_FairValueAdjustmentOfDebt" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FairValueAssetsAndLiabilitiesComponentDomain" id="schw_FairValueAssetsAndLiabilitiesComponentDomain" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FairValueAssetsAndLiabilitiesComponentsAxis" id="schw_FairValueAssetsAndLiabilitiesComponentsAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem"/>
  <element name="FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTextBlock" id="schw_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FairValueAssetsMeasuredOnRecurringBasis" id="schw_FairValueAssetsMeasuredOnRecurringBasis" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FairValueOfFinancialInstrumentsDisclosureTextBlock" id="schw_FairValueOfFinancialInstrumentsDisclosureTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="FederalLawClaimsMember" id="schw_FederalLawClaimsMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="HeldToMaturitySecuritiesGrossUnrealizedGains" id="schw_HeldToMaturitySecuritiesGrossUnrealizedGains" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="HeldToMaturitySecuritiesGrossUnrealizedLosses" id="schw_HeldToMaturitySecuritiesGrossUnrealizedLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" 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="InstitutionalServicesMember" id="schw_InstitutionalServicesMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="InvestmentsClassifiedByContractualMaturityDateTextBlock" id="schw_InvestmentsClassifiedByContractualMaturityDateTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="InvestorServicesMember" id="schw_InvestorServicesMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="IssuanceOfCommonStockTextBlock" id="schw_IssuanceOfCommonStockTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LegalSettlementProceedsFromInsurance" id="schw_LegalSettlementProceedsFromInsurance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LoansAndLeasesReceivableNetReportedAmountNonperformingAssets" id="schw_LoansAndLeasesReceivableNetReportedAmountNonperformingAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LoanToDepositRatio" id="schw_LoanToDepositRatio" type="us-types:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LossContingenciesByTypeOfCaseAxis" id="schw_LossContingenciesByTypeOfCaseAxis" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:dimensionItem"/>
  <element name="LossContingenciesByTypeOfCaseDomain" id="schw_LossContingenciesByTypeOfCaseDomain" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LossContingencyClassActionLawsuitsFiled" id="schw_LossContingencyClassActionLawsuitsFiled" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="LossContingencyNumberOfCertifiedClassesOfPlaintiffs" id="schw_LossContingencyNumberOfCertifiedClassesOfPlaintiffs" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MarginRequirementsMember" id="schw_MarginRequirementsMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MinimumCreditScorePrimeLoans" id="schw_MinimumCreditScorePrimeLoans" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MinimumPercentageOfAggregateDebitBalances" id="schw_MinimumPercentageOfAggregateDebitBalances" type="us-types:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MinimumPercentageOfFundAssets" id="schw_MinimumPercentageOfFundAssets" type="us-types:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MoneyMarketMutualFundCharges" id="schw_MoneyMarketMutualFundCharges" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="MoneyMarketMutualFundChargesTextBlock" id="schw_MoneyMarketMutualFundChargesTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" 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="NetUnrealizedIncomeLossOnNonOTTISecuritiesAvailableForSaleMember" id="schw_NetUnrealizedIncomeLossOnNonOTTISecuritiesAvailableForSaleMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NetUnrealizedIncomeLossOnOTTISecuritiesAvailableForSaleMember" id="schw_NetUnrealizedIncomeLossOnOTTISecuritiesAvailableForSaleMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="NetUnrealizedLossOnSecuritiesAvailableForSaleMember" id="schw_NetUnrealizedLossOnSecuritiesAvailableForSaleMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" 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="OtherComprehensiveIncomeOtherNetOfTax" id="schw_OtherComprehensiveIncomeOtherNetOfTax" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" 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="OtherThanTemporaryImpairmentsCreditLossesOnPreviouslyImpairedSecurities" id="schw_OtherThanTemporaryImpairmentsCreditLossesOnPreviouslyImpairedSecurities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="OtherThanTemporaryImpairmentsCreditLossesOnSecuritiesNotPreviouslyImpaired" id="schw_OtherThanTemporaryImpairmentsCreditLossesOnSecuritiesNotPreviouslyImpaired" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PercentageOfNetCapitalToDebt" id="schw_PercentageOfNetCapitalToDebt" type="us-types:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="ProceedsAndGrossRealizedGainsLossesFromSalesOfSecuritiesAvailableForSaleTextBlock" id="schw_ProceedsAndGrossRealizedGainsLossesFromSalesOfSecuritiesAvailableForSaleTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="PublicOfferingPricePerShare" id="schw_PublicOfferingPricePerShare" type="us-types:perShareItemType" abstract="false" xbrli:periodType="instant" 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"/>
  <element name="ScheduleOfLoansToBankingClientsTextBlock" id="schw_ScheduleOfLoansToBankingClientsTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SchwabFundsMoneyMarketFundsMember" id="schw_SchwabFundsMoneyMarketFundsMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLosses" id="schw_SecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" id="schw_SecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLosses" id="schw_SecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" id="schw_SecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SecuritiesWithUnrealizedLossesTotalFairValue" id="schw_SecuritiesWithUnrealizedLossesTotalFairValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SecuritiesWithUnrealizedLossesTotalUnrealizedLosses" id="schw_SecuritiesWithUnrealizedLossesTotalUnrealizedLosses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SeniorNotesDue2020Member" id="schw_SeniorNotesDue2020Member" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SettlementAmountFromLitigationForFederalLawClaims" id="schw_SettlementAmountFromLitigationForFederalLawClaims" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="SettlementAmountFromLitigationForStateLawClaim" id="schw_SettlementAmountFromLitigationForStateLawClaim" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="StateAndMunicipalDebtObligationsMember" id="schw_StateAndMunicipalDebtObligationsMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="StateLawClaimsMember" id="schw_StateLawClaimsMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="States" id="schw_States" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="TotalBondMarketFundLitigationMember" id="schw_TotalBondMarketFundLitigationMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnallocatedMember" id="schw_UnallocatedMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnrealizedGainsAndLossesOnInvestmentsTextBlock" id="schw_UnrealizedGainsAndLossesOnInvestmentsTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnrealizedLossPositionInvestmentsTextBlock" id="schw_UnrealizedLossPositionInvestmentsTextBlock" type="us-types:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="UnsecuredStandbyLettersOfCredit" id="schw_UnsecuredStandbyLettersOfCredit" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
  <element name="YieldplusFundLitigationAndRegulatoryInquiriesMember" id="schw_YieldplusFundLitigationAndRegulatoryInquiriesMember" type="us-types:domainItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
</schema>

