Charles Schwab customers have fees or minimums where One customers do not pay any fees and do not have account minimums. Charles Schwab customers do not have the option to get paid early with direct deposit where One customers with qualifying direct deposits can get paid up to two days early.** Charles Schwab customers can only earn .05% APY on their Charles Schwab savings and are not able to automatically save where One customers can earn 1.00% APY* in their Save Pocket and 3.00% APY* in their Auto-Save Pocket. Charles Schwab customers can enroll in overdraft protection with fees where One customers can enroll in fee-free overdraft protection. Charles Schwab customers do not have the option to enroll in credit building where One customers can enroll in Credit Builder. Charles Schwab customers are limited to sharing an account with one person where One customers can share up to 99 Pockets.