Originally Posted by radonc1

I am a bit puzzled.
If you want to have Schwab as a financial partner, then you need to practice safe MSing, which means that you don't poop where you eat.
Move your MS activity to somewhere that has no connection to Schwab.

IF they let you have an IRA, I would think that it would include at a minimum a money market account to hold free cash. I suspect that if you behaved, they would eventually let you in for a checking and savings account.

If you want to persist in the behavior that got you shut down in the first place with this company, then don't expect them to welcome you back.