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  <xs:element id="schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementBeforeOffset" abstract="false" name="OtherShortTermBorrowingsSubjectToMasterNettingArrangementBeforeOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="schw_OtherShortTermBorrowingsIncludingNotSubjectToMasterNettingArrangementAfterOffsetAndDeduction" abstract="false" name="OtherShortTermBorrowingsIncludingNotSubjectToMasterNettingArrangementAfterOffsetAndDeduction" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="schw_SecuritiesLoanedRemainingContractualMaturityTerm" abstract="false" name="SecuritiesLoanedRemainingContractualMaturityTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="schw_FulfillmentOfRequirementsWithOptionsClearingCorporationMember" abstract="true" name="FulfillmentOfRequirementsWithOptionsClearingCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="schw_FulfillmentOfClientShortSalesMember" abstract="true" name="FulfillmentOfClientShortSalesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="schw_SecuritiesLendingToOtherBrokerDealersMember" abstract="true" name="SecuritiesLendingToOtherBrokerDealersMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="schw_CollateralForSecuredShortTermBorrowingsMember" abstract="true" name="CollateralForSecuredShortTermBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="schw_FullyPaidClientSecuritiesMember" abstract="true" name="FullyPaidClientSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="schw_FairValueMeasurementsNumberOfThirdPartyPricingSources" abstract="false" name="FairValueMeasurementsNumberOfThirdPartyPricingSources" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="schw_MutualFundsAndExchangeTradedFundsETFsMember" abstract="true" name="MutualFundsAndExchangeTradedFundsETFsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="schw_StateAndMunicipalDebtObligationsMember" abstract="true" name="StateAndMunicipalDebtObligationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="schw_OtherFinancialInstrumentsMember" abstract="true" name="OtherFinancialInstrumentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure" abstract="false" name="CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="schw_ReceivablesFromBrokerDealerAndClearingOrganizationFairValueDisclosure" abstract="false" name="ReceivablesFromBrokerDealerAndClearingOrganizationFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="schw_ReceivablesFromCustomersFairValueDisclosure" abstract="false" name="ReceivablesFromCustomersFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="schw_BrokerDealerPayableToOtherBrokerDealerAndClearingOrganizationFairValueDisclosure" abstract="false" name="BrokerDealerPayableToOtherBrokerDealerAndClearingOrganizationFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="schw_PayablesToCustomerFairValueDisclosure" abstract="false" name="PayablesToCustomerFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="schw_SeriesIPreferredStockMember" abstract="true" name="SeriesIPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="schw_SecondaryPublicStockOfferingMember" abstract="true" name="SecondaryPublicStockOfferingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="schw_TreasuryStockValueAcquiredCostMethodExcludingTax" abstract="false" name="TreasuryStockValueAcquiredCostMethodExcludingTax" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="schw_SeriesKPreferredStockMember" abstract="true" name="SeriesKPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="schw_PreferredStockDividendTerm" abstract="false" name="PreferredStockDividendTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="schw_PreferredStockBasisSpreadOnVariableRate" abstract="false" name="PreferredStockBasisSpreadOnVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="schw_AmortizationOfHeldToMaturitySecuritiesTransferredFromAvailableForSaleAttributableToParentMember" abstract="true" name="AmortizationOfHeldToMaturitySecuritiesTransferredFromAvailableForSaleAttributableToParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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</xs:schema>
