嘉信開戶紀錄 || Charles Schwab


Posted by george16886 on 2020-06-16

這篇記錄一些美國 Charles Schwab 嘉信證券開戶的流程和時程,以及遇到的一些問題,希望對大家有幫助🙂


開戶選擇 WHY?

當初在第一證券(First Trade)和嘉信證券(Charles Schwab)之間猶豫了很久,爬了不少文章,網路上有很多不錯的券商比較文,這裡推薦兩篇:

後來我兩家都辦了哈哈哈😬

但最後真的要電匯的時候還是只能選一個啦😔
我本人選擇了嘉信證券,主要就是被那張免提款手續費的 Visa debit card 燒到啦😅
不過嘉信真的是不錯,畢竟貴為老券商,相對比較可靠;申請下來也覺得客服很棒,回應頗為迅速。
使用後一些個人認為的小缺點,僅供參考:

  • App 看盤介面不夠完善。
  • 對中文使用者較不友善。
  • 沒有國際匯款費用補貼。

開戶流程 HOW?

我主要就是跟著網路上的步驟填寫資料,這裡也推薦兩篇:

特別註明一下在 Select the optional features you'd like to add. 這個步驟裡 Account Features 我是四個選項都沒有勾選的。

  • 第一項的 Schwab Trading Service™️ 我查了一下應該只是差別在會不會一併申請 StreetSmart Edge,一套比較專業的交易軟體。
  • 我沒有開融資(Margin Trading)/ 選擇權(Options Trading)/ 期貨(Futures Trading)交易。

最後我有多申請這個境外貨幣基金,據說會有比較高的利息。


開戶時程 WHEN?

--- 2020 ---

4/28 前往註冊 Open an account

4/28 收到 email 通知 "Schwab Web Site ID Created"。

4/29 提交金融卡申請表。
Service -> Message Center -> Upload Document -> Forms or Account Documents
附件並留言:
I would like to apply the Visa Debit Card.

5/1 收到 email 通知 "Get started with your new Schwab account"。
We have received your application and are in the process of reviewing it.
我們收到您的申請了並且正在審核程序中。

5/2 收到 email 通知 "Open your Schwab account" 要求補件。
a) Your full spread passport copy (both top and bottom pages) with signature page.
護照必須有上下兩頁,包含主頁和簽名頁。
b) A recently dated fixed line utility bill in your name and home address, the electric bill you uploaded is not under your name.
電費帳單姓名必須吻合。

5/2 回覆上述問題,上傳其他證明文件。
Service -> Message Center -> Upload Document -> Forms or Account Documents
a) 附上包含上下頁的護照影本(拍照可)。
b) 因為我外宿,沒有電費帳單在我自己的名下,因此我附上我的身分證、駕照和國籍駕照。
附件並留言:
This document includes my passport with signature, Taiwan ID card, international driver license.
The utility bill of my address is under my family’s name, not mine. So I attached my id card and driving permit as an alternative.

5/4 提交境外貨幣基金申請表。
Service -> Message Center -> Upload Document -> Forms or Account Documents
附件並留言:
I've uploaded the signed Authorization to Purchase Offshore Investment Shares file in the attachment.

5/5 收到 email 通知 "New Account (HUNG)"。
We are finalizing your account application. We noticed that you signed all of the documents, including your passport, with George Hung. It is recommended you add an alias name to this account. Form attached for your convenience.
簽名必須與護照上姓名吻合。

5/5 回覆上述問題,上傳一份新增別名的文件。
Service -> Message Center -> Upload Document -> Forms or Account Documents
上傳附件:"Add an Alias to Your Account.pdf"。

5/9 收到 email 通知 "New Account (HUNG)"。
In the final review, we have come to know that you signed the documents using digital signatures. Please note that we do not accept digital signature, and therefore need you to re-submit with wet signatures
不接受電子簽名,必須親筆簽名。

5/9 回覆上述問題,將文件簽名後拍照上傳。
Service -> Message Center -> Upload Document -> Forms or Account Documents
上傳附件:"AKA10.17.pdf", "APOIS9.pdf" and "SmryofAgrmts.pdf"。

5/12 收到 email 通知 "Important: Please review your account information"。
Your Charles Schwab account is open, so you're off to a great start. Now for a really important step: Please ensure your account information is correct by reviewing your Account Verification Letter.
確認文件,沒問題就完成了,有問題請撥 +1-415-667-8400 (outside the U.S.) 或 800-435-4000 (within the U.S.) 聯絡 Charles Schwab。

5/13 收到 email 通知 "You've opened your account. Now it's time to fund it"。
開戶完成!

5/19 收到金融卡! Visa Debit Card recevied!!
用 FedEx 掛號信寄來的,沒想到還沒匯款卡就先來了!建議在開戶完成的 20 個工作天內盡快把 25000 美金匯入戶頭(如果是使用國泰世華網路銀行進行外幣轉帳,有相關問題可以參考我這篇:國際電匯疑難雜症 || 國泰世華網銀)。


後續確認 Q & A

  1. 由於我看網路上的教學都有接到照會電話,很擔心自己的開戶程序沒有走完整,所以再透過 Message Center 詢問。
    Service -> Message Center -> Upload Document -> Account Inquiry

    Q:
    I am writing to confirm that if my account is activated and I can make a wire transfer to fund it?
    I am not sure because I haven't got a call verification till now but I did get a mail asking me to fund the account.
    Please provide me some instructions about what is the next correct step for me.

    A:
    Your account's verification is complete and you are now able to funds into your account.

  2. 電匯之前問了一下有沒有國際匯款費用補貼,沒有😢
    Service -> Message Center -> Upload Document -> Moving Money

    Q:
    This is my new open account and I would like to fund my account through wire transfer from Taiwan Cathay United Bank (Swift Code: UWCBTWTP).
    Will Schwab cover the transfer cost for me?

    A:
    Unfortunately we do not offer reimbursement on wire fees charged by your bank.


以上就是我美國 Charles Schwab 嘉信證券開戶時遇到的一些問題,歡迎大家補充分享,謝謝收看~

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