Tax withholding is ending for the Schwab One® Interest Feature.
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.

brokerage cash利息應該很低吧, 應該影響不大？

請問W-8BEN還沒到3年更新期限的話，需要因此主動更新嗎？

去問你家券商吧

同一家券商 w8ben 時間到再更新就好，除非資料有變動才需要先主動更新

感謝alex1973

所以TLT還是會被預扣30%?

跟TLT無關, 這邊講的是帳戶內的Cash產生的利息

感謝，現金利率爛得要死，沒人放現金吧，最差也是短債