Charles Schwab's regular trading hours and customer service availability

Charles Schwab's trading floor and customer service lines operate on a schedule tied to the U.S. stock market. The stock market itself is open Monday through Friday, 9:30 a.m. to 4:00 p.m. Eastern Time. Schwab's phone lines and in-person branches follow similar hours during the trading week, though exact times vary by location and department.

The company closes entirely on weekends and on days when the U.S. stock market is closed — primarily federal holidays. On these days, you cannot place trades through standard channels, and customer service representatives are not available. However, you can still log into your account online, view your holdings, and place orders through the Schwab website or mobile app; those orders will execute when the market reopens.

Key Takeaways

  • Charles Schwab follows stock market hours: Monday through Friday, 9:30 a.m. to 4:00 p.m. Eastern Time, and is closed on weekends and market holidays.
  • You can place trades online or through the mobile app outside market hours, but they will not execute until the market reopens.
  • Phone customer service and branch locations close on weekends and federal holidays when the market is closed.
  • The market closes for New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Good Friday, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas.
  • Extended-hours trading (pre-market and after-hours) is available for some securities but operates on a different schedule than regular market hours.

Federal holidays when Schwab and the market are closed

Charles Schwab observes all U.S. federal market holidays. On these days, the stock market does not open, and Schwab's phone lines and branches are closed. The full list includes New Year's Day, Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February), Good Friday (the Friday before Easter), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Thanksgiving Day (fourth Thursday in November), and Christmas Day (December 25).

When a federal holiday falls on a weekend, the market typically closes on the nearest weekday instead. For example, if Independence Day falls on a Saturday, the market closes on Friday; if it falls on a Sunday, the market closes on Monday.

How to check if Schwab is open right now

The fastest way to know whether Schwab is currently open is to check the stock market status directly. Visit the Nasdaq or NYSE websites, or simply try to log into your Schwab account — if the market is closed, you will see a message stating that trading is not available. You can also call Schwab's main customer service line; if representatives answer, the market is open.

Schwab's website also displays market status prominently on the homepage and in the trading platform. If you are unsure whether a specific day is a market holiday, you can search "stock market holidays [year]" or check the Schwab website's holiday calendar, which is updated annually.

Extended-hours trading outside regular market times

Charles Schwab offers extended-hours trading for stocks and some exchange-traded funds (ETFs), which allows you to trade before and after the standard 9:30 a.m. to 4:00 p.m. window. Pre-market trading typically runs from 7:00 a.m. to 9:30 a.m. Eastern Time, and after-hours trading runs from 4:00 p.m. to 8:00 p.m. Eastern Time, Monday through Friday.

Extended-hours trading is not available on weekends or market holidays, even though the regular market is closed. Liquidity is lower during these sessions, meaning fewer buyers and sellers are active, which can result in wider bid-ask spreads and less predictable pricing. Not all securities trade during extended hours — check whether your specific stock or ETF is available before placing an order.

What you can do when Schwab is closed

Even when Schwab's phone lines and branches are closed, your account remains accessible online. You can log into the website or mobile app to view your portfolio, check balances, review transaction history, and monitor market news. You can also place orders during market closures; they will sit as pending orders and execute automatically when the market reopens at 9:30 a.m. Eastern Time the next trading day.

If you need to speak with a representative, you will have to wait until the market reopens. Some urgent matters — such as reporting fraud or a lost debit card — may have a separate after-hours line; check your account statements or the Schwab website for emergency contact numbers.

Differences between Schwab branch hours and market hours

Charles Schwab has physical branch locations in many cities, and their hours may differ slightly from market hours. Some branches open earlier or close later than the 9:30 a.m. to 4:00 p.m. market window, and a few locations have extended Saturday hours. However, even if a branch is open, you cannot execute live trades outside market hours — you can only discuss your account, deposit checks, or handle administrative tasks.

To find the exact hours for your nearest branch, visit the Schwab website and use the branch locator tool. Call ahead if you are planning a visit on a day close to a holiday, as some locations may have adjusted hours.

Frequently Asked Questions

Can I trade on Schwab if the market is closed?

You cannot trade during regular market closure hours through standard channels, but you can place orders online or through the app that will execute when the market reopens. If you have access to extended-hours trading, you can trade stocks and some ETFs before 9:30 a.m. or after 4:00 p.m. on regular trading days, though not on weekends or holidays.

Is Schwab open on Saturday and Sunday?

No. Charles Schwab's trading platform and customer service are closed on weekends. You can view your account online anytime, but you cannot place trades that execute until Monday morning when the market reopens.

What happens to my pending order if the market is closed?

Your order remains pending and will execute at the market open on the next trading day, assuming the price conditions you set are met. If you want to cancel it before then, you can do so through your online account.

Does Schwab close early on the day before Thanksgiving or Christmas?

The stock market closes early (at 1:00 p.m. Eastern Time) on the day before Thanksgiving and on Christmas Eve. Schwab's trading and customer service hours follow the market, so they also close early on these days.

How do I reach Schwab if I need help and they are closed?

If it is not an emergency, you can send a message through your online account or wait for the next business day to call. For urgent matters like fraud or a lost card, check your account statements or the Schwab website for an after-hours emergency line.