Balances

View vital account information in the Balances tab. All balances are automatically updated every minute or after a transaction, whichever happens first.

View detailed balance information in the Account Detail tool, or for a constant, at-a-glance view, you can display certain balance details across the top of your screen in the Balances Bar.

Get a demonstration and more information on using the Balances tab.

Margin Accounts: If you have a margin account, the Balances tab includes a Margin Buying Power figure.

Margin Calls: If you receive a margin call, the value of the call will display in red at the top of the StreetSmart Edge® screen on the Balances Bar, below your account number.

Export Balances

You can Export your Balances data to .xls (for Office XP and later versions), .csv, or .txt formats from the Actions menu or by right-clicking within the Balances display.
Select the save location and enter a name for the export file, if you wish to change it from the default, and click Save.

Balances Fields	Descriptions
Total Account Value	The sum of your securities, unswept or intra-day cash, money market funds, bank deposit accounts, and net credit or debit balances in your account.
Today's Change	Indicates the change in account value from the previous trading day's close. This includes your trading activity, as well as deposits and withdrawals.
Funds Available
Available to Trade	Using cash: The maximum amount of money in your account that you can use to trade without creating a request for the deposit of additional funds. Cash + Borrowing: Also known as "Margin Buying Power", this is the amount of money you can use to trade marginable equities using cash and the margin feature of your account. Click Buying Power Details to understand this value for all security types. This value is only shown in accounts with a margin feature. You will be charged interest on any amount you borrow that exceeds the Available Cash in the account.
Available to Withdraw	Using cash: The maximum amount of money you can withdraw without accessing margin borrowing. The amount is a combination of credits in the account less any cash on hold. Cash + Borrowing: The maximum amount you can withdraw from your account to by requesting a check or transferring funds to another account. This value includes the cash balance in your account, plus the maximum amount you can borrow against marginable securities held in your margin account. Note that recent deposits earn interest and are available for most types of trading activity, but are not reflected in your authorization limit until they are cleared. This value is only shown in accounts with a margin feature. You will be charged interest on any amount you borrow that exceeds the Available Cash in the account.
Settled Cash Available to Trade	Trading in the Margin Account Trading on margin does not require settled funds. If 100% of the trading activity occurs on margin, there will be no difference between the settled funds to trade balance and the total available to trade balance. Traders who fit this profile will not be affected by the special requirements that may result from Cash Account trading activity. Traders who occasionally trade non-marginable securities in the Cash Account should continue reading. Settled funds are: incoming cash (such as a deposit or wire) available Margin Loan Value settled sale proceeds of fully paid for securities. Settled funds may be used for purchases of securities. If a security is purchased using settled funds, there are no requirements surrounding the timeframe of when the newly purchased securities can be sold. (Click here for more information on unsettled funds and trade violations.) However, if unsettled funds are used to purchase securities and the customer sells the securities prior to making full payment, these newly purchased securities may be subject to special requirements. Securities purchased using unsettled funds, should not be sold prior to the settlement of the funds used to purchase these securities (generally 3 business days after the sale of the security which generated the funds). If these securities are sold prior to settlement of the financing sale then additional funds will be required to be deposited in the account to cover the cost of the newly purchased securities. If no additional funds are deposited within 5 business days of the purchase, the sale of these securities will constitute a "free ride" under Federal Reserve Regulation T. This will result in a 90-day settled cash-up-front restriction. EXAMPLE: If you sold a fully paid for security on Monday the 1st, you could use the proceeds to purchase new a security prior to the settlement day of Thursday the 4th (3 day settlement). However, if you sold the newly purchased security prior to the settlement date (Thursday the 4th), you would then be required to deposit funds to pay for the purchase. If you sold the new position on Thursday the 4th, or anytime there after, no additional funds would be required.
Cash & Money Market
Cash Balance	The total dollar value of your unswept or intra-day cash, money market funds, bank deposit accounts, and net credit or debit balances you hold in the Schwab account you have selected to view.
Margin Balance	The balance of any credits or debits in your margin account. Note that with a margin account, the balance of unsettled debits or credits for trades will show here until settlement. You do not start paying interest until trades are settled.
Short Balance	The net Open balance in your account arising from short sale transactions.
Total Cash	The net Cash balance in your Schwab account.
Securities
Market Value Long	The total marked-to-market value of your long positions (broken out by marginable and non-marginable securities) based on the last trade price. If for some technical reason real-time valuations are not available, the values displayed may be based on the prices from the close of the previous business day or on twenty-minute-delayed quotes.
Market Value Short	The total marked-to-market value of your short positions (broken out by marginable and non-marginable securities) based on the last trade price. Such positions will typically be shown in the margin account column.
Options	Your options are typically held in the margin portion of your account. Option information only displays for accounts that hold option positions.
Market Value Long/Short	The total value of your long and short options positions based on their current, real-time market prices. Options are not marginable securities but are normally shown in the margin account column for accounting purposes.
Total Securities	The total values of all long and short securities positions, including options, in the margin and cash accounts. A combined net value for the margin and cash accounts is also provided.
Margin/Equity Requirements
Margin Equity	The dollar value of marginable securities in your margin account, less the amount you owe Schwab, plus any cash in your margin account. This is the liquidation value of your margin account, but does not include option positions, segregated money market funds, or cash not held in the margin account. Margin Equity represents the total amount you invested in securities plus any excess cash, minus funds borrowed on margin.
Equity Percent	Your margin equity divided by the market value of your margin account. This amount reflects the percentage of the current market value you would receive if you liquidated the margined securities, paid off any margin debt and withdrew the funds. Options, cash account positions and segregated money market funds are not included when calculating the equity percentage.
Day Trade Buying Power	This field will only applies if we identify you as a pattern day trader (there are rules governing this designation). For information about Day Trading Buying Power (DTBP), please consult your Schwab Trading Services Broker.
Month to Date Interest Owed	The amount of margin interest you owe Schwab, accrued from the beginning of the interest period through the date of your inquiry. The interest period begins on the second to last day of each month.
Margin Call	If your margin equity falls below the percentage level required under Schwab or regulatory requirements; if you make a purchase for which you have insufficient equity to meet the Fed's requirements; or if you have insufficient cash to cover your open, uncovered option or spread positions, you will be subject to a margin call. If there is a margin call on your account, it may be displayed in the Balances Bar at the top of your application and immediate action on your part is required. However, Schwab reserves the right to initiate immediate liquidation procedures without notice.
Option Requirements
Cash Secured Put Assignment	Displays the Cash Secured Requirement, 100% of assignment value of the put position, when a Cash Secured Equity Put is in the account. This balance will only display if there is a cash secured equity put requirement on your account.
Spread Requirement	Amount of Cash set aside to cover the spread margin requirement. This balance will only display if there is a spread requirement on your account.