這只是指證券帳戶裡“現金餘額”每個月配發的“利息”不再預扣(持台灣護照30%）所得稅，其它券商（包括2021以前的Schwab）本來就將它視為免稅（IRS Income Code 01).
現在現金餘額利率很低（0.--%）又被Schwab 預扣,真是讓人不爽. 以前寫信去Schwab抱怨又被它無視, 現在只是遲來的正義.
美股配發的“股息”還是會照常預扣所得稅！
Email 部分原文：
“Good news! Effective January 2026, the Schwab One® Interest feature on your account is no longer subject to U.S. tax withholding. To be exempt from U.S. tax withholding, you must have a current, valid Form W-8BEN on file with Schwab.
Should you have any tax-related questions, please speak to a tax consultant.
About the Schwab One® Interest feature:
The Schwab One® Interest feature pays interest on your brokerage account's uninvested cash, known as the "Free Credit Balance.”