Charles Schwab makes it virtually impossible to move at a smooth flow and make money. When you transfer cash in to your account they can hold your money for up to 14 days, even though your bank has cleared it. When I asked why they said the stock I was buying was considered high risk, what gives them the right. This seems to me like a major overstep of there bounds, and interference with my ability to conduct commerce. And after doing nothing but interfering with you making money, and you fire them, switch companies, they hold your money for another 14 days and then charge you a fee.