It is now the middle of March. I opened up my Schwab account in December. In all that time you would guess that I would have been able to pull out some money from my account using an ATM machine. I still have not been able to. It is not entirely Schwab's fault, I have had some issues of my own remembering my PIN, but for heaven sake, how long will it be before I'm able to pull some money out. I'm so frustrated with everything if things go wrong this time, I'm closing the account.