After a lot of problems, I finally got my Schwab checking account to work. But not after having a few more problems.
Since last time I posted, I got sent a letter with my PIN number on it. I went to an ATM to withdrawal money and the stupid thing STILL DIDN'T WORK!. You cannot imagine my frustration at that moment. I refused to try again just in case I punched my PIN in wrong (I'm sure I didn't since I was VERY careful) since trying more than three times and getting it wrong locks the card.
So I had to call Schwab, yet again, and ask them what the heck was going on. They let me enter a new PIN right then and there and assured me the PIN was active immediately. I did not have to wait to use it. This time, I took my wife with me, who was right there when I selected the new PIN, so she could watch me enter the numbers. And finally, after a little more than three months, I am now able to fully use my Schwab checking account.
Is this one time patience will pay off. I guess we will just have to wait and see.