I created an account a while ago, added the requisite $1, and promptly never used it again, largely because they didn't offer savings accounts (and still don't seem to).
The banking system functions largely on the choice, application and integration of technology, and banking is more of a technology business than just about any other. And let's be fair here - Schwab is not a bank, and even among investment firms is an outlier with the noted bad practices.
