<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019cb98b-9b3a-70fd-ae56-0fdb69232c2f,g:1540a094-75c7-4557-92d4-5000ba357e25-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
  <link:roleRef roleURI="http://www.schwab.com/role/CoverPage" xlink:type="simple" xlink:href="schw-20260331.xsd#CoverPage"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/CoverPage" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityInformationLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitiesTable_019cb98b-a211-7977-9307-1ccccf4d312b" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntitiesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntitiesTable_019cb98b-a211-7977-9307-1ccccf4d312b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a211-7107-8039-aacb8cc34790" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_dei_EntitiesTable_019cb98b-a211-7977-9307-1ccccf4d312b" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a211-7107-8039-aacb8cc34790" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a211-7107-8039-aacb8cc34790_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a211-7107-8039-aacb8cc34790" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a211-7107-8039-aacb8cc34790_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a211-7e05-9cf7-27e294553391" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a211-7107-8039-aacb8cc34790" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a211-7e05-9cf7-27e294553391" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019cb98b-a211-76a9-a188-d047017bdad4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a211-7e05-9cf7-27e294553391" xlink:to="loc_us-gaap_CommonStockMember_019cb98b-a211-76a9-a188-d047017bdad4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesDPreferredStockMember_019cb98b-a211-7da9-885e-9bf901d0ebef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesDPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a211-7e05-9cf7-27e294553391" xlink:to="loc_us-gaap_SeriesDPreferredStockMember_019cb98b-a211-7da9-885e-9bf901d0ebef" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeriesJPreferredStockMember_019cb98b-a211-72aa-aa0c-dfe3a00c9c2d" xlink:href="schw-20260331.xsd#schw_SeriesJPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a211-7e05-9cf7-27e294553391" xlink:to="loc_schw_SeriesJPreferredStockMember_019cb98b-a211-72aa-aa0c-dfe3a00c9c2d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_019cb98b-a211-7f35-97b8-a265fb30d258" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentType"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_DocumentType_019cb98b-a211-7f35-97b8-a265fb30d258" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentQuarterlyReport_019cb98b-a211-7b2b-a1f3-4ec7aa7f9df6" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentQuarterlyReport"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_DocumentQuarterlyReport_019cb98b-a211-7b2b-a1f3-4ec7aa7f9df6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_019cb98b-a211-7206-b24e-a29038f209d1" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentPeriodEndDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_DocumentPeriodEndDate_019cb98b-a211-7206-b24e-a29038f209d1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_019cb98b-a211-75ab-9a11-a4ff43c525ff" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentTransitionReport"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_DocumentTransitionReport_019cb98b-a211-75ab-9a11-a4ff43c525ff" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_019cb98b-a211-79ee-afff-6865d3d461e1" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFileNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityFileNumber_019cb98b-a211-79ee-afff-6865d3d461e1" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_019cb98b-a211-7a8a-aa93-e13693815c00" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityRegistrantName"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityRegistrantName_019cb98b-a211-7a8a-aa93-e13693815c00" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_019cb98b-a211-7efd-8ff2-52b183f019ca" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityIncorporationStateCountryCode_019cb98b-a211-7efd-8ff2-52b183f019ca" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_019cb98b-a211-7ab1-9421-cee19438d68e" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityTaxIdentificationNumber_019cb98b-a211-7ab1-9421-cee19438d68e" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_019cb98b-a211-78e5-9c74-98f1894db25a" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityAddressAddressLine1_019cb98b-a211-78e5-9c74-98f1894db25a" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_019cb98b-a211-79cb-8145-e578e0f47014" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCityOrTown"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityAddressCityOrTown_019cb98b-a211-79cb-8145-e578e0f47014" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_019cb98b-a211-7896-a395-054dadd519b3" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressStateOrProvince"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityAddressStateOrProvince_019cb98b-a211-7896-a395-054dadd519b3" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_019cb98b-a211-7927-9c1a-a13060c35820" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressPostalZipCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityAddressPostalZipCode_019cb98b-a211-7927-9c1a-a13060c35820" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_019cb98b-a211-75c4-8626-a31870a4b23f" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CityAreaCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_CityAreaCode_019cb98b-a211-75c4-8626-a31870a4b23f" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_019cb98b-a211-7af5-9bfa-ff3437be7feb" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LocalPhoneNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_LocalPhoneNumber_019cb98b-a211-7af5-9bfa-ff3437be7feb" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_019cb98b-a211-7892-93f9-756d2755409b" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12bTitle"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_Security12bTitle_019cb98b-a211-7892-93f9-756d2755409b" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_019cb98b-a211-73e7-8fa0-22343eeaf54d" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_TradingSymbol"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_TradingSymbol_019cb98b-a211-73e7-8fa0-22343eeaf54d" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_019cb98b-a211-715f-99f7-233d5fc61f6b" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityExchangeName"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_SecurityExchangeName_019cb98b-a211-715f-99f7-233d5fc61f6b" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_019cb98b-a211-7460-ae76-7eea4ce82627" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCurrentReportingStatus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityCurrentReportingStatus_019cb98b-a211-7460-ae76-7eea4ce82627" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_019cb98b-a211-73a6-a948-db8bf4695285" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityInteractiveDataCurrent_019cb98b-a211-73a6-a948-db8bf4695285" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_019cb98b-a211-715c-836a-6f25b840e4f6" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFilerCategory"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityFilerCategory_019cb98b-a211-715c-836a-6f25b840e4f6" xlink:type="arc" order="19"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_019cb98b-a211-7694-8a06-5555fe024679" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntitySmallBusiness"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntitySmallBusiness_019cb98b-a211-7694-8a06-5555fe024679" xlink:type="arc" order="20"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_019cb98b-a211-721c-9170-6719297cd8ba" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityEmergingGrowthCompany_019cb98b-a211-721c-9170-6719297cd8ba" xlink:type="arc" order="21"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_019cb98b-a211-7d78-ad98-2141c76056cc" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityShellCompany"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityShellCompany_019cb98b-a211-7d78-ad98-2141c76056cc" xlink:type="arc" order="22"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_019cb98b-a211-73d0-a662-629b8cdc5ccf" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_019cb98b-a211-73d0-a662-629b8cdc5ccf" xlink:type="arc" order="23"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_019cb98b-a211-7834-a054-431fa982dda9" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AmendmentFlag"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_AmendmentFlag_019cb98b-a211-7834-a054-431fa982dda9" xlink:type="arc" order="24"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_019cb98b-a211-7f2a-902f-11dfdfa87224" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalYearFocus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_DocumentFiscalYearFocus_019cb98b-a211-7f2a-902f-11dfdfa87224" xlink:type="arc" order="25"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_019cb98b-a211-7dd8-8b94-99f48ae5a249" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_DocumentFiscalPeriodFocus_019cb98b-a211-7dd8-8b94-99f48ae5a249" xlink:type="arc" order="26"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_019cb98b-a211-7566-af62-0ffbcecb5976" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_CurrentFiscalYearEndDate_019cb98b-a211-7566-af62-0ffbcecb5976" xlink:type="arc" order="27"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_019cb98b-a211-7e85-99fb-a17f0ddf55f3" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCentralIndexKey"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityInformationLineItems_019cb98b-a211-7d30-84af-0de621f46d93" xlink:to="loc_dei_EntityCentralIndexKey_019cb98b-a211-7e85-99fb-a17f0ddf55f3" xlink:type="arc" order="28"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/CondensedConsolidatedStatementsofIncome" xlink:type="simple" xlink:href="schw-20260331.xsd#CondensedConsolidatedStatementsofIncome"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/CondensedConsolidatedStatementsofIncome" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019cb98b-a211-71ad-a564-7d11a5890e9a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019cb98b-a211-7d35-963c-dc1226fa7945" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a211-71ad-a564-7d11a5890e9a" xlink:to="loc_us-gaap_StatementTable_019cb98b-a211-7d35-963c-dc1226fa7945" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_019cb98b-a211-7776-bcce-966a75c01c39" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductOrServiceAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019cb98b-a211-7d35-963c-dc1226fa7945" xlink:to="loc_srt_ProductOrServiceAxis_019cb98b-a211-7776-bcce-966a75c01c39" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019cb98b-a211-7776-bcce-966a75c01c39_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductsAndServicesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ProductOrServiceAxis_019cb98b-a211-7776-bcce-966a75c01c39" xlink:to="loc_srt_ProductsAndServicesDomain_019cb98b-a211-7776-bcce-966a75c01c39_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019cb98b-a211-7db6-b901-aa0e0db59c77" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductsAndServicesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ProductOrServiceAxis_019cb98b-a211-7776-bcce-966a75c01c39" xlink:to="loc_srt_ProductsAndServicesDomain_019cb98b-a211-7db6-b901-aa0e0db59c77" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_AssetManagementAndAdministrationServiceMember_019cb98b-a211-7e20-847c-41ffff502698" xlink:href="schw-20260331.xsd#schw_AssetManagementAndAdministrationServiceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019cb98b-a211-7db6-b901-aa0e0db59c77" xlink:to="loc_schw_AssetManagementAndAdministrationServiceMember_019cb98b-a211-7e20-847c-41ffff502698" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_TradingRevenueServiceMember_019cb98b-a211-7e8b-ba6a-71b8493d37a3" xlink:href="schw-20260331.xsd#schw_TradingRevenueServiceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019cb98b-a211-7db6-b901-aa0e0db59c77" xlink:to="loc_schw_TradingRevenueServiceMember_019cb98b-a211-7e8b-ba6a-71b8493d37a3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_BankDepositAccountFeesMember_019cb98b-a211-7926-9f4e-c4b88a668d9a" xlink:href="schw-20260331.xsd#schw_BankDepositAccountFeesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019cb98b-a211-7db6-b901-aa0e0db59c77" xlink:to="loc_schw_BankDepositAccountFeesMember_019cb98b-a211-7926-9f4e-c4b88a668d9a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProductAndServiceOtherMember_019cb98b-a211-70a0-beda-a0b9433e7647" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProductAndServiceOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019cb98b-a211-7db6-b901-aa0e0db59c77" xlink:to="loc_us-gaap_ProductAndServiceOtherMember_019cb98b-a211-70a0-beda-a0b9433e7647" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenuesAbstract_019cb98b-a211-7599-b76c-d9e71f22d98d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenuesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a211-71ad-a564-7d11a5890e9a" xlink:to="loc_us-gaap_RevenuesAbstract_019cb98b-a211-7599-b76c-d9e71f22d98d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeOperating_019cb98b-a211-775c-84f1-af8cc9b0eb87" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenuesAbstract_019cb98b-a211-7599-b76c-d9e71f22d98d" xlink:to="loc_us-gaap_InterestIncomeOperating_019cb98b-a211-775c-84f1-af8cc9b0eb87" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_019cb98b-a211-7ea1-9218-48c0d0b03247" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenuesAbstract_019cb98b-a211-7599-b76c-d9e71f22d98d" xlink:to="loc_us-gaap_InterestExpenseOperating_019cb98b-a211-7ea1-9218-48c0d0b03247" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019cb98b-a211-7fab-b7f9-55bca19e6dd3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenuesAbstract_019cb98b-a211-7599-b76c-d9e71f22d98d" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019cb98b-a211-7fab-b7f9-55bca19e6dd3" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019cb98b-a211-72c4-bffa-f0d7f5ac4603" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenuesAbstract_019cb98b-a211-7599-b76c-d9e71f22d98d" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019cb98b-a211-72c4-bffa-f0d7f5ac4603" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019cb98b-a211-7ee2-b536-e29d9250d355" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenuesAbstract_019cb98b-a211-7599-b76c-d9e71f22d98d" xlink:to="loc_us-gaap_Revenues_019cb98b-a211-7ee2-b536-e29d9250d355" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a211-7ef5-b8ed-2085fb3bfc25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a211-71ad-a564-7d11a5890e9a" xlink:to="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a211-7ef5-b8ed-2085fb3bfc25" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019cb98b-a211-782c-8b29-8752cc5e8dae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a211-7ef5-b8ed-2085fb3bfc25" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019cb98b-a211-782c-8b29-8752cc5e8dae" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_019cb98b-a211-71b1-808e-1673022586d1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfessionalFees"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a211-7ef5-b8ed-2085fb3bfc25" xlink:to="loc_us-gaap_ProfessionalFees_019cb98b-a211-71b1-808e-1673022586d1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet_019cb98b-a212-7089-80d3-a1878d386a94" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OccupancyNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a211-7ef5-b8ed-2085fb3bfc25" xlink:to="loc_us-gaap_OccupancyNet_019cb98b-a212-7089-80d3-a1878d386a94" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketingAndAdvertisingExpense_019cb98b-a212-7da1-8c4a-726dc50c2634" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketingAndAdvertisingExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a211-7ef5-b8ed-2085fb3bfc25" xlink:to="loc_us-gaap_MarketingAndAdvertisingExpense_019cb98b-a212-7da1-8c4a-726dc50c2634" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Communication_019cb98b-a212-74ea-ae3b-103d786cb5dc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Communication"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a211-7ef5-b8ed-2085fb3bfc25" xlink:to="loc_us-gaap_Communication_019cb98b-a212-74ea-ae3b-103d786cb5dc" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_DepreciationAndAmortizationExcludingAmortizationOfIntangibleAssets_019cb98b-a212-7b2d-bb69-96bf4d48d5c8" xlink:href="schw-20260331.xsd#schw_DepreciationAndAmortizationExcludingAmortizationOfIntangibleAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a211-7ef5-b8ed-2085fb3bfc25" xlink:to="loc_schw_DepreciationAndAmortizationExcludingAmortizationOfIntangibleAssets_019cb98b-a212-7b2d-bb69-96bf4d48d5c8" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_019cb98b-a212-7c25-8d2e-010e10f94404" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a211-7ef5-b8ed-2085fb3bfc25" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_019cb98b-a212-7c25-8d2e-010e10f94404" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_RegulatoryFeesAndAssessments_019cb98b-a212-7130-811d-61ab418300af" xlink:href="schw-20260331.xsd#schw_RegulatoryFeesAndAssessments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a211-7ef5-b8ed-2085fb3bfc25" xlink:to="loc_schw_RegulatoryFeesAndAssessments_019cb98b-a212-7130-811d-61ab418300af" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherExpenses_019cb98b-a212-7011-b9eb-aafc027b9e4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherExpenses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a211-7ef5-b8ed-2085fb3bfc25" xlink:to="loc_us-gaap_OtherExpenses_019cb98b-a212-7011-b9eb-aafc027b9e4d" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_019cb98b-a212-74ed-ae7d-4d24840acdea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a211-7ef5-b8ed-2085fb3bfc25" xlink:to="loc_us-gaap_NoninterestExpense_019cb98b-a212-74ed-ae7d-4d24840acdea" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cb98b-a212-7ae7-84a3-b2a8fa96425e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a211-71ad-a564-7d11a5890e9a" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cb98b-a212-7ae7-84a3-b2a8fa96425e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019cb98b-a212-7e7b-9e66-3279c3178d27" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a211-71ad-a564-7d11a5890e9a" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019cb98b-a212-7e7b-9e66-3279c3178d27" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cb98b-a212-70d7-b126-0e88762513eb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a211-71ad-a564-7d11a5890e9a" xlink:to="loc_us-gaap_NetIncomeLoss_019cb98b-a212-70d7-b126-0e88762513eb" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsAndOtherAdjustments_019cb98b-a212-7a08-a04b-4bb35ed700de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendsAndOtherAdjustments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a211-71ad-a564-7d11a5890e9a" xlink:to="loc_us-gaap_PreferredStockDividendsAndOtherAdjustments_019cb98b-a212-7a08-a04b-4bb35ed700de" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019cb98b-a212-79f3-9d84-e233576dce24" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a211-71ad-a564-7d11a5890e9a" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019cb98b-a212-79f3-9d84-e233576dce24" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019cb98b-a212-7698-b1bd-b98b361eaa58" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a211-71ad-a564-7d11a5890e9a" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019cb98b-a212-7698-b1bd-b98b361eaa58" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019cb98b-a212-7322-8098-50cda74489f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019cb98b-a212-7698-b1bd-b98b361eaa58" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019cb98b-a212-7322-8098-50cda74489f2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cb98b-a212-7307-895b-d6771d745c89" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_019cb98b-a212-7698-b1bd-b98b361eaa58" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cb98b-a212-7307-895b-d6771d745c89" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_019cb98b-a212-7256-9836-64895982d389" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a211-71ad-a564-7d11a5890e9a" xlink:to="loc_us-gaap_EarningsPerShareAbstract_019cb98b-a212-7256-9836-64895982d389" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_019cb98b-a212-769f-8f0f-0a6dee313c29" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cb98b-a212-7256-9836-64895982d389" xlink:to="loc_us-gaap_EarningsPerShareBasic_019cb98b-a212-769f-8f0f-0a6dee313c29" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_019cb98b-a212-7847-baed-d465c05e3bbf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EarningsPerShareAbstract_019cb98b-a212-7256-9836-64895982d389" xlink:to="loc_us-gaap_EarningsPerShareDiluted_019cb98b-a212-7847-baed-d465c05e3bbf" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/CondensedConsolidatedBalanceSheets" xlink:type="simple" xlink:href="schw-20260331.xsd#CondensedConsolidatedBalanceSheets"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/CondensedConsolidatedBalanceSheets" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019cb98b-a212-7d3c-80ed-1b85432a3364" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019cb98b-a212-72e5-ab79-5459f7984b99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7d3c-80ed-1b85432a3364" xlink:to="loc_us-gaap_StatementTable_019cb98b-a212-72e5-ab79-5459f7984b99" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a212-7d46-b9a8-e30f357f5af6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019cb98b-a212-72e5-ab79-5459f7984b99" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a212-7d46-b9a8-e30f357f5af6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7d46-b9a8-e30f357f5af6_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a212-7d46-b9a8-e30f357f5af6" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7d46-b9a8-e30f357f5af6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7583-9265-b873199b1920" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a212-7d46-b9a8-e30f357f5af6" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7583-9265-b873199b1920" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019cb98b-a212-783b-88dd-71e0e36a206c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7583-9265-b873199b1920" xlink:to="loc_us-gaap_CommonStockMember_019cb98b-a212-783b-88dd-71e0e36a206c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonvotingCommonStockMember_019cb98b-a212-79f5-89d7-53d2f02e19c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonvotingCommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7583-9265-b873199b1920" xlink:to="loc_us-gaap_NonvotingCommonStockMember_019cb98b-a212-79f5-89d7-53d2f02e19c1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7d3c-80ed-1b85432a3364" xlink:to="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019cb98b-a212-78b6-b3d4-5b6a7516d106" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019cb98b-a212-78b6-b3d4-5b6a7516d106" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulations_019cb98b-a212-7f64-bac2-8cf5c7cd5f12" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulations"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:to="loc_us-gaap_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulations_019cb98b-a212-7f64-bac2-8cf5c7cd5f12" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesFromBrokersDealersAndClearingOrganizations_019cb98b-a212-7779-a668-cde0c20f1961" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesFromBrokersDealersAndClearingOrganizations"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:to="loc_us-gaap_ReceivablesFromBrokersDealersAndClearingOrganizations_019cb98b-a212-7779-a668-cde0c20f1961" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesFromCustomers_019cb98b-a212-79c4-8c6f-04518047ecce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesFromCustomers"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:to="loc_us-gaap_ReceivablesFromCustomers_019cb98b-a212-79c4-8c6f-04518047ecce" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a212-763f-bd05-3e50af07de62" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a212-763f-bd05-3e50af07de62" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7c87-868a-ade452305849" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7c87-868a-ade452305849" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7a71-9a05-73d22315758b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7a71-9a05-73d22315758b" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_019cb98b-a212-778e-88ad-a1a509726f48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_019cb98b-a212-778e-88ad-a1a509726f48" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019cb98b-a212-7468-8a89-342acc8cfb45" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Goodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:to="loc_us-gaap_Goodwill_019cb98b-a212-7468-8a89-342acc8cfb45" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019cb98b-a212-78bd-aff4-e6c4cf8ef11a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019cb98b-a212-78bd-aff4-e6c4cf8ef11a" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019cb98b-a212-7c6e-8b4e-2dfffe47ac9c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:to="loc_us-gaap_OtherAssets_019cb98b-a212-7c6e-8b4e-2dfffe47ac9c" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019cb98b-a212-7328-862d-575361897354" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019cb98b-a212-7fe0-98d6-b035d5cc68e5" xlink:to="loc_us-gaap_Assets_019cb98b-a212-7328-862d-575361897354" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cb98b-a212-73ac-a95e-126d68e4b4bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7d3c-80ed-1b85432a3364" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cb98b-a212-73ac-a95e-126d68e4b4bd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_019cb98b-a212-7b13-ae03-04d9216b1b97" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Deposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cb98b-a212-73ac-a95e-126d68e4b4bd" xlink:to="loc_us-gaap_Deposits_019cb98b-a212-7b13-ae03-04d9216b1b97" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_PayablesToBrokerDealersAndClearingOrganizations_019cb98b-a212-7fb2-b996-4ed5fabcc001" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_PayablesToBrokerDealersAndClearingOrganizations"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cb98b-a212-73ac-a95e-126d68e4b4bd" xlink:to="loc_srt_PayablesToBrokerDealersAndClearingOrganizations_019cb98b-a212-7fb2-b996-4ed5fabcc001" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_PayablesToCustomers_019cb98b-a212-7e53-a271-d116dde8bdd4" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_PayablesToCustomers"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cb98b-a212-73ac-a95e-126d68e4b4bd" xlink:to="loc_srt_PayablesToCustomers_019cb98b-a212-7e53-a271-d116dde8bdd4" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_019cb98b-a212-7b31-bedc-d7e2d6a16f9d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccruedLiabilitiesCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cb98b-a212-73ac-a95e-126d68e4b4bd" xlink:to="loc_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent_019cb98b-a212-7b31-bedc-d7e2d6a16f9d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherShortTermBorrowings_019cb98b-a212-7736-b592-2e16c32b4c3e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherShortTermBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cb98b-a212-73ac-a95e-126d68e4b4bd" xlink:to="loc_us-gaap_OtherShortTermBorrowings_019cb98b-a212-7736-b592-2e16c32b4c3e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_019cb98b-a212-7465-b1cb-c2c4b4d5e03a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cb98b-a212-73ac-a95e-126d68e4b4bd" xlink:to="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_019cb98b-a212-7465-b1cb-c2c4b4d5e03a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtAndCapitalLeaseObligations_019cb98b-a212-7d5f-96ea-3bed181d368a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligations"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cb98b-a212-73ac-a95e-126d68e4b4bd" xlink:to="loc_us-gaap_LongTermDebtAndCapitalLeaseObligations_019cb98b-a212-7d5f-96ea-3bed181d368a" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019cb98b-a212-7557-a9a2-b4c2f6c793c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cb98b-a212-73ac-a95e-126d68e4b4bd" xlink:to="loc_us-gaap_Liabilities_019cb98b-a212-7557-a9a2-b4c2f6c793c1" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_019cb98b-a212-7d6b-8492-9992d7ab4703" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cb98b-a212-73ac-a95e-126d68e4b4bd" xlink:to="loc_us-gaap_StockholdersEquityAbstract_019cb98b-a212-7d6b-8492-9992d7ab4703" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019cb98b-a212-7b24-8dfc-a985f29c6045" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cb98b-a212-7d6b-8492-9992d7ab4703" xlink:to="loc_us-gaap_PreferredStockValue_019cb98b-a212-7b24-8dfc-a985f29c6045" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019cb98b-a212-7dc3-a7c3-3cbb668af620" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cb98b-a212-7d6b-8492-9992d7ab4703" xlink:to="loc_us-gaap_CommonStockValue_019cb98b-a212-7dc3-a7c3-3cbb668af620" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_019cb98b-a212-75ae-bc16-e263616ea617" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cb98b-a212-7d6b-8492-9992d7ab4703" xlink:to="loc_us-gaap_AdditionalPaidInCapital_019cb98b-a212-75ae-bc16-e263616ea617" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019cb98b-a212-78ca-9050-c8ae9d99cd7a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cb98b-a212-7d6b-8492-9992d7ab4703" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019cb98b-a212-78ca-9050-c8ae9d99cd7a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_019cb98b-a212-79f8-a0bb-13acaea09dc0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cb98b-a212-7d6b-8492-9992d7ab4703" xlink:to="loc_us-gaap_TreasuryStockCommonValue_019cb98b-a212-79f8-a0bb-13acaea09dc0" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019cb98b-a212-7f4a-b4c2-46ff9dabe7fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cb98b-a212-7d6b-8492-9992d7ab4703" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019cb98b-a212-7f4a-b4c2-46ff9dabe7fa" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cb98b-a212-7146-8dd9-a29a5ce0536f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019cb98b-a212-7d6b-8492-9992d7ab4703" xlink:to="loc_us-gaap_StockholdersEquity_019cb98b-a212-7146-8dd9-a29a5ce0536f" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cb98b-a212-7a55-b723-cb2a92873b86" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019cb98b-a212-73ac-a95e-126d68e4b4bd" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_019cb98b-a212-7a55-b723-cb2a92873b86" xlink:type="arc" order="10"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/CondensedConsolidatedBalanceSheetsParenthetical" xlink:type="simple" xlink:href="schw-20260331.xsd#CondensedConsolidatedBalanceSheetsParenthetical"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/CondensedConsolidatedBalanceSheetsParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019cb98b-a212-7588-b101-32e483e37f27" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019cb98b-a212-7c3a-8f4f-639f0b4cc25f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7588-b101-32e483e37f27" xlink:to="loc_us-gaap_StatementTable_019cb98b-a212-7c3a-8f4f-639f0b4cc25f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_019cb98b-a212-74ce-9622-d0a6fa4e248b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019cb98b-a212-7c3a-8f4f-639f0b4cc25f" xlink:to="loc_us-gaap_PledgedStatusAxis_019cb98b-a212-74ce-9622-d0a6fa4e248b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019cb98b-a212-74ce-9622-d0a6fa4e248b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PledgedStatusAxis_019cb98b-a212-74ce-9622-d0a6fa4e248b" xlink:to="loc_us-gaap_PledgedStatusDomain_019cb98b-a212-74ce-9622-d0a6fa4e248b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019cb98b-a212-739c-8d40-07b6fac5cb92" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PledgedStatusAxis_019cb98b-a212-74ce-9622-d0a6fa4e248b" xlink:to="loc_us-gaap_PledgedStatusDomain_019cb98b-a212-739c-8d40-07b6fac5cb92" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_019cb98b-a212-747e-8dc2-ca20d8d0fcf2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PledgedStatusDomain_019cb98b-a212-739c-8d40-07b6fac5cb92" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_019cb98b-a212-747e-8dc2-ca20d8d0fcf2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAxis_019df510-6d07-72c3-97f9-baed32a30e11" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019cb98b-a212-7c3a-8f4f-639f0b4cc25f" xlink:to="loc_us-gaap_CashAndCashEquivalentsAxis_019df510-6d07-72c3-97f9-baed32a30e11" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember_019df510-6d07-72c3-97f9-baed32a30e11_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CashAndCashEquivalentsAxis_019df510-6d07-72c3-97f9-baed32a30e11" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember_019df510-6d07-72c3-97f9-baed32a30e11_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember_019df510-8ceb-7f1d-b28f-4c7b6d2cd25c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CashAndCashEquivalentsAxis_019df510-6d07-72c3-97f9-baed32a30e11" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember_019df510-8ceb-7f1d-b28f-4c7b6d2cd25c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsMember_019df510-b950-78d2-8b72-a73063fc9252" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember_019df510-8ceb-7f1d-b28f-4c7b6d2cd25c" xlink:to="loc_us-gaap_CashAndCashEquivalentsMember_019df510-b950-78d2-8b72-a73063fc9252" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CashAndInvestmentsSegregatedAndOnDepositForRegulatoryPurposesMember_019df511-b087-7b8a-955a-89e462963520" xlink:href="schw-20260331.xsd#schw_CashAndInvestmentsSegregatedAndOnDepositForRegulatoryPurposesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RestrictedCashAndCashEquivalentsCashAndCashEquivalentsMember_019df510-8ceb-7f1d-b28f-4c7b6d2cd25c" xlink:to="loc_schw_CashAndInvestmentsSegregatedAndOnDepositForRegulatoryPurposesMember_019df511-b087-7b8a-955a-89e462963520" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a212-7c39-be09-2703e3620d5f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019cb98b-a212-7c3a-8f4f-639f0b4cc25f" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a212-7c39-be09-2703e3620d5f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7c39-be09-2703e3620d5f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a212-7c39-be09-2703e3620d5f" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7c39-be09-2703e3620d5f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7ec9-8c50-f2a10ac975bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a212-7c39-be09-2703e3620d5f" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7ec9-8c50-f2a10ac975bf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019cb98b-a212-7177-92d9-cb5f58a93e78" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7ec9-8c50-f2a10ac975bf" xlink:to="loc_us-gaap_CommonStockMember_019cb98b-a212-7177-92d9-cb5f58a93e78" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonvotingCommonStockMember_019cb98b-a212-78b9-9765-4548d7e62cc2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonvotingCommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7ec9-8c50-f2a10ac975bf" xlink:to="loc_us-gaap_NonvotingCommonStockMember_019cb98b-a212-78b9-9765-4548d7e62cc2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_019cb98b-a212-7c9b-a91b-04ef0bd71f65" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7588-b101-32e483e37f27" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_019cb98b-a212-7c9b-a91b-04ef0bd71f65" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7cd9-8dc9-450d731f36b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7588-b101-32e483e37f27" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7cd9-8dc9-450d731f36b9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a212-7347-8d4f-d0a2073cbf50" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7588-b101-32e483e37f27" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a212-7347-8d4f-d0a2073cbf50" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7939-b5d4-5d77321773a7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7588-b101-32e483e37f27" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7939-b5d4-5d77321773a7" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_019cb98b-a212-7892-8cbe-21d4e94afaad" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7588-b101-32e483e37f27" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_019cb98b-a212-7892-8cbe-21d4e94afaad" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreferenceValue_019cb98b-a212-772e-b85c-82479e83dd74" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockLiquidationPreferenceValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7588-b101-32e483e37f27" xlink:to="loc_us-gaap_PreferredStockLiquidationPreferenceValue_019cb98b-a212-772e-b85c-82479e83dd74" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_019cb98b-a212-7545-9dc2-c195223db61e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7588-b101-32e483e37f27" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_019cb98b-a212-7545-9dc2-c195223db61e" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_019cb98b-a212-71c9-99cf-3b8ff044ab37" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7588-b101-32e483e37f27" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_019cb98b-a212-71c9-99cf-3b8ff044ab37" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_019cb98b-a212-764d-87d7-61da6a4623d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7588-b101-32e483e37f27" xlink:to="loc_us-gaap_CommonStockSharesIssued_019cb98b-a212-764d-87d7-61da6a4623d9" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_019cb98b-a212-74de-821a-a4376558d804" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7588-b101-32e483e37f27" xlink:to="loc_us-gaap_TreasuryStockCommonShares_019cb98b-a212-74de-821a-a4376558d804" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/CondensedConsolidatedStatementsofStockholdersEquity" xlink:type="simple" xlink:href="schw-20260331.xsd#CondensedConsolidatedStatementsofStockholdersEquity"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/CondensedConsolidatedStatementsofStockholdersEquity" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019cb98b-a212-7217-94bf-0eb0ef60f7b6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019cb98b-a212-700a-b3fd-f4bded3305ee" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7217-94bf-0eb0ef60f7b6" xlink:to="loc_us-gaap_StatementTable_019cb98b-a212-700a-b3fd-f4bded3305ee" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019cb98b-a212-7c82-b209-012112df7751" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019cb98b-a212-700a-b3fd-f4bded3305ee" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019cb98b-a212-7c82-b209-012112df7751" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019cb98b-a212-7c82-b209-012112df7751_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019cb98b-a212-7c82-b209-012112df7751" xlink:to="loc_us-gaap_EquityComponentDomain_019cb98b-a212-7c82-b209-012112df7751_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019cb98b-a212-76e8-ac58-8722a6531e0e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019cb98b-a212-7c82-b209-012112df7751" xlink:to="loc_us-gaap_EquityComponentDomain_019cb98b-a212-76e8-ac58-8722a6531e0e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_019cb98b-a212-7f88-879a-df119b92e10f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019cb98b-a212-76e8-ac58-8722a6531e0e" xlink:to="loc_us-gaap_PreferredStockMember_019cb98b-a212-7f88-879a-df119b92e10f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019cb98b-a212-74a9-84ca-5158ad7b859f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019cb98b-a212-76e8-ac58-8722a6531e0e" xlink:to="loc_us-gaap_CommonStockMember_019cb98b-a212-74a9-84ca-5158ad7b859f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_019cb98b-a212-7e6f-b8f2-73e74a93ff68" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019cb98b-a212-76e8-ac58-8722a6531e0e" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_019cb98b-a212-7e6f-b8f2-73e74a93ff68" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_019cb98b-a212-79af-8bf8-2b967da3c02d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019cb98b-a212-76e8-ac58-8722a6531e0e" xlink:to="loc_us-gaap_RetainedEarningsMember_019cb98b-a212-79af-8bf8-2b967da3c02d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonMember_019cb98b-a212-7eb2-ac3c-dc4ef2346e44" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockCommonMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019cb98b-a212-76e8-ac58-8722a6531e0e" xlink:to="loc_us-gaap_TreasuryStockCommonMember_019cb98b-a212-7eb2-ac3c-dc4ef2346e44" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cb98b-a212-7c07-b27e-f16e40630a90" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019cb98b-a212-76e8-ac58-8722a6531e0e" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cb98b-a212-7c07-b27e-f16e40630a90" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a212-7c23-8d3e-865e2ba54bc8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019cb98b-a212-700a-b3fd-f4bded3305ee" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a212-7c23-8d3e-865e2ba54bc8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7c23-8d3e-865e2ba54bc8_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a212-7c23-8d3e-865e2ba54bc8" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-7c23-8d3e-865e2ba54bc8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-768d-b998-cfe2befdcd67" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a212-7c23-8d3e-865e2ba54bc8" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-768d-b998-cfe2befdcd67" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019cb98b-a212-7fc0-8018-d53aeb00f4dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-768d-b998-cfe2befdcd67" xlink:to="loc_us-gaap_CommonStockMember_019cb98b-a212-7fc0-8018-d53aeb00f4dd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonvotingCommonStockMember_019cb98b-a212-7d4d-a294-01c6b73c86d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonvotingCommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a212-768d-b998-cfe2befdcd67" xlink:to="loc_us-gaap_NonvotingCommonStockMember_019cb98b-a212-7d4d-a294-01c6b73c86d8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019cb98b-a212-7217-94bf-0eb0ef60f7b6" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cb98b-a212-7440-830c-b64be625b689" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_us-gaap_StockholdersEquity_019cb98b-a212-7440-830c-b64be625b689" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019cb98b-a212-7f9a-aa04-de126b57c092" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_019cb98b-a212-7f9a-aa04-de126b57c092" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cb98b-a212-7570-b04c-3067d7631fb2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_us-gaap_NetIncomeLoss_019cb98b-a212-7570-b04c-3067d7631fb2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cb98b-a212-70c5-a772-e6607c04e9ee" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cb98b-a212-70c5-a772-e6607c04e9ee" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStockCash_019cb98b-a212-7405-a9c4-cdd242ef5ccf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendsPreferredStockCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_us-gaap_DividendsPreferredStockCash_019cb98b-a212-7405-a9c4-cdd242ef5ccf" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStockCash_019cb98b-a212-7bc1-b97a-bcc909cb71e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendsCommonStockCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_us-gaap_DividendsCommonStockCash_019cb98b-a212-7bc1-b97a-bcc909cb71e5" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_019cb98b-a212-7afd-87ca-1a52464fb698" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_019cb98b-a212-7afd-87ca-1a52464fb698" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_019cb98b-a212-7930-bfce-6bd8d42b5a47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_019cb98b-a212-7930-bfce-6bd8d42b5a47" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities_019cb98b-a212-796b-86a3-4b0f457c5d9a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesConversionOfConvertibleSecurities_019cb98b-a212-796b-86a3-4b0f457c5d9a" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities_019cb98b-a212-72b3-9368-7c5f41a653d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities_019cb98b-a212-72b3-9368-7c5f41a653d8" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_StockOptionExercisesAndOther_019cb98b-a212-7ab4-a1e1-d1995519cd95" xlink:href="schw-20260331.xsd#schw_StockOptionExercisesAndOther"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_schw_StockOptionExercisesAndOther_019cb98b-a212-7ab4-a1e1-d1995519cd95" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_019cb98b-a212-779a-80fd-95e68712436e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_019cb98b-a212-779a-80fd-95e68712436e" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityOther_019cb98b-a212-7e3c-8216-03146b29c7b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityOther"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019cb98b-a212-785d-a00c-46eeee2a9b8d" xlink:to="loc_us-gaap_StockholdersEquityOther_019cb98b-a212-7e3c-8216-03146b29c7b0" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cb98b-a212-763d-831f-82b76612bbf1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019cb98b-a212-77bf-a513-fca5accbed6c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesOutstanding"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/BusinessAcquisitionNarrativeDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#BusinessAcquisitionNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/BusinessAcquisitionNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_019d9728-68e5-7470-9496-29882e8705a3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019d9728-68e5-73aa-a4f8-575e6cb30865" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9728-68e5-7470-9496-29882e8705a3" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019d9728-68e5-73aa-a4f8-575e6cb30865" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_019d9728-68e5-7290-9cdc-c2b6603d5fa0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019d9728-68e5-73aa-a4f8-575e6cb30865" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_019d9728-68e5-7290-9cdc-c2b6603d5fa0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d9728-68e5-7290-9cdc-c2b6603d5fa0_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019d9728-68e5-7290-9cdc-c2b6603d5fa0" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d9728-68e5-7290-9cdc-c2b6603d5fa0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d9728-68e5-7d95-959d-191e0e0cc343" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019d9728-68e5-7290-9cdc-c2b6603d5fa0" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d9728-68e5-7d95-959d-191e0e0cc343" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_ForgeGlobalHoldingsInc.ForgeMember_019d9728-68e5-7a4d-b940-d84f96ef18c0" xlink:href="schw-20260331.xsd#schw_ForgeGlobalHoldingsInc.ForgeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d9728-68e5-7d95-959d-191e0e0cc343" xlink:to="loc_schw_ForgeGlobalHoldingsInc.ForgeMember_019d9728-68e5-7a4d-b940-d84f96ef18c0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_019ddf0b-76a5-7b0e-bc86-1251976dcdcd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019d9728-68e5-73aa-a4f8-575e6cb30865" xlink:to="loc_us-gaap_AwardTypeAxis_019ddf0b-76a5-7b0e-bc86-1251976dcdcd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019ddf0b-76a5-7b0e-bc86-1251976dcdcd_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_019ddf0b-76a5-7b0e-bc86-1251976dcdcd" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019ddf0b-76a5-7b0e-bc86-1251976dcdcd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019ddf0b-97f7-7ee8-bba3-9a239599fc81" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_019ddf0b-76a5-7b0e-bc86-1251976dcdcd" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019ddf0b-97f7-7ee8-bba3-9a239599fc81" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_019ddf0b-c383-7233-8fb3-eb5ee9d7d43f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019ddf0b-97f7-7ee8-bba3-9a239599fc81" xlink:to="loc_us-gaap_RestrictedStockMember_019ddf0b-c383-7233-8fb3-eb5ee9d7d43f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_019ddf0b-eff8-73a7-9541-5636de5e3ca8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_019ddf0b-97f7-7ee8-bba3-9a239599fc81" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_019ddf0b-eff8-73a7-9541-5636de5e3ca8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019dded3-0c22-7541-a57b-f854121d1a41" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9728-68e5-7470-9496-29882e8705a3" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019dded3-0c22-7541-a57b-f854121d1a41" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019d9738-c920-73f3-9be0-92d663bfecb7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Goodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9728-68e5-7470-9496-29882e8705a3" xlink:to="loc_us-gaap_Goodwill_019d9738-c920-73f3-9be0-92d663bfecb7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual_019d973a-9b98-7917-b2c0-9df747bbfc3d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9728-68e5-7470-9496-29882e8705a3" xlink:to="loc_us-gaap_BusinessCombinationProFormaInformationRevenueOfAcquireeSinceAcquisitionDateActual_019d973a-9b98-7917-b2c0-9df747bbfc3d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual_019d973a-cecc-7555-9cdd-53a1a0fdc0ef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9728-68e5-7470-9496-29882e8705a3" xlink:to="loc_us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual_019d973a-cecc-7555-9cdd-53a1a0fdc0ef" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_019ddf0d-a493-7ed7-aa6b-283e40dca788" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9728-68e5-7470-9496-29882e8705a3" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_019ddf0d-a493-7ed7-aa6b-283e40dca788" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_019ddf0e-7a02-7e98-9962-2c77a06be1d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9728-68e5-7470-9496-29882e8705a3" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_019ddf0e-7a02-7e98-9962-2c77a06be1d7" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_019ddf10-661c-7502-8ffa-0f531f438299" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9728-68e5-7470-9496-29882e8705a3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_019ddf10-661c-7502-8ffa-0f531f438299" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/BusinessAcquisitionFairValueofAssetsAcquiredandLiabilitiesAssumedDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#BusinessAcquisitionFairValueofAssetsAcquiredandLiabilitiesAssumedDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/BusinessAcquisitionFairValueofAssetsAcquiredandLiabilitiesAssumedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_019d9714-ca3c-7a6c-b01e-6be680dfd7ec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019d9714-2b7d-7d42-ab9f-ec368ede7066" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9714-ca3c-7a6c-b01e-6be680dfd7ec" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019d9714-2b7d-7d42-ab9f-ec368ede7066" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_019d9714-5e48-7b72-a836-4b11360f1ea4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019d9714-2b7d-7d42-ab9f-ec368ede7066" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_019d9714-5e48-7b72-a836-4b11360f1ea4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d9714-5e48-7b72-a836-4b11360f1ea4_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019d9714-5e48-7b72-a836-4b11360f1ea4" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d9714-5e48-7b72-a836-4b11360f1ea4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d9714-8304-7156-a618-30444f51ce2f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019d9714-5e48-7b72-a836-4b11360f1ea4" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d9714-8304-7156-a618-30444f51ce2f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_ForgeGlobalHoldingsInc.ForgeMember_019d9715-b6dc-7902-b0ae-34b75c1c2e96" xlink:href="schw-20260331.xsd#schw_ForgeGlobalHoldingsInc.ForgeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d9714-8304-7156-a618-30444f51ce2f" xlink:to="loc_schw_ForgeGlobalHoldingsInc.ForgeMember_019d9715-b6dc-7902-b0ae-34b75c1c2e96" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019d971f-3f60-7db8-948a-3b331e72bf54" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9714-ca3c-7a6c-b01e-6be680dfd7ec" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019d971f-3f60-7db8-948a-3b331e72bf54" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_019d9720-3f9d-73bd-b5b7-6a49b5b4f23d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019d971f-3f60-7db8-948a-3b331e72bf54" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_019d9720-3f9d-73bd-b5b7-6a49b5b4f23d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles_019d9720-9236-7830-bc4e-c4bd6fc2599c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019d971f-3f60-7db8-948a-3b331e72bf54" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles_019d9720-9236-7830-bc4e-c4bd6fc2599c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_BusinessCombinationRecognizedAssetAcquiredOtherAsset_019d9721-178c-748f-b265-0e5231e01fc9" xlink:href="schw-20260331.xsd#schw_BusinessCombinationRecognizedAssetAcquiredOtherAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019d971f-3f60-7db8-948a-3b331e72bf54" xlink:to="loc_schw_BusinessCombinationRecognizedAssetAcquiredOtherAsset_019d9721-178c-748f-b265-0e5231e01fc9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019d9721-58bb-7ccd-894b-0ee71f47c34d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019d971f-3f60-7db8-948a-3b331e72bf54" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019d9721-58bb-7ccd-894b-0ee71f47c34d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019d971f-6d43-7ebe-a068-163126a8cb8e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9714-ca3c-7a6c-b01e-6be680dfd7ec" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019d971f-6d43-7ebe-a068-163126a8cb8e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_BusinessCombinationRecognizedLiabilityAssumedAccruedExpensesAndOtherLiabilities_019d9722-4ddf-7218-b082-851a9522585e" xlink:href="schw-20260331.xsd#schw_BusinessCombinationRecognizedLiabilityAssumedAccruedExpensesAndOtherLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019d971f-6d43-7ebe-a068-163126a8cb8e" xlink:to="loc_schw_BusinessCombinationRecognizedLiabilityAssumedAccruedExpensesAndOtherLiabilities_019d9722-4ddf-7218-b082-851a9522585e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019d9722-ca7d-70a7-8a95-e4d8a0f1e9de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019d971f-6d43-7ebe-a068-163126a8cb8e" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019d9722-ca7d-70a7-8a95-e4d8a0f1e9de" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_019d9723-0785-79d9-892f-5c2dda36de48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9714-ca3c-7a6c-b01e-6be680dfd7ec" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_019d9723-0785-79d9-892f-5c2dda36de48" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019dded4-62f3-78a0-b91c-caef12a99cd1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9714-ca3c-7a6c-b01e-6be680dfd7ec" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019dded4-62f3-78a0-b91c-caef12a99cd1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionOfLessThan100PercentNoncontrollingInterestFairValue_019dded6-7def-786f-9f3b-50309cb2a498" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationAcquisitionOfLessThan100PercentNoncontrollingInterestFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9714-ca3c-7a6c-b01e-6be680dfd7ec" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionOfLessThan100PercentNoncontrollingInterestFairValue_019dded6-7def-786f-9f3b-50309cb2a498" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_019dded5-9e76-7594-a8d4-a850b4f8e767" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019d9723-3393-7c4d-8f5e-50533c903a3d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Goodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d9714-ca3c-7a6c-b01e-6be680dfd7ec" xlink:to="loc_us-gaap_Goodwill_019d9723-3393-7c4d-8f5e-50533c903a3d" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/BusinessAcquisitionFairValuesofIntangibleAssetsAcquiredandUsefulLivesDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#BusinessAcquisitionFairValuesofIntangibleAssetsAcquiredandUsefulLivesDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/BusinessAcquisitionFairValuesofIntangibleAssetsAcquiredandUsefulLivesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_019d971d-85b2-717d-bf87-c247f920eb7a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019d971d-85b2-7069-a730-5d831cb9bfa1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d971d-85b2-717d-bf87-c247f920eb7a" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019d971d-85b2-7069-a730-5d831cb9bfa1" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_019d971d-85b2-771d-89df-1d3b8dc596ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019d971d-85b2-7069-a730-5d831cb9bfa1" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_019d971d-85b2-771d-89df-1d3b8dc596ed" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d971d-85b2-771d-89df-1d3b8dc596ed_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019d971d-85b2-771d-89df-1d3b8dc596ed" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d971d-85b2-771d-89df-1d3b8dc596ed_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d971d-85b2-728a-a69d-405586243f5e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019d971d-85b2-771d-89df-1d3b8dc596ed" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d971d-85b2-728a-a69d-405586243f5e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_ForgeGlobalHoldingsInc.ForgeMember_019d971d-85b2-712b-acb8-ca1753ac53f8" xlink:href="schw-20260331.xsd#schw_ForgeGlobalHoldingsInc.ForgeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019d971d-85b2-728a-a69d-405586243f5e" xlink:to="loc_schw_ForgeGlobalHoldingsInc.ForgeMember_019d971d-85b2-712b-acb8-ca1753ac53f8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019d972a-fdbb-7b9e-a7be-66c2eaa75f32" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019d971d-85b2-7069-a730-5d831cb9bfa1" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019d972a-fdbb-7b9e-a7be-66c2eaa75f32" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019d972a-fdbb-7b9e-a7be-66c2eaa75f32_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019d972a-fdbb-7b9e-a7be-66c2eaa75f32" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019d972a-fdbb-7b9e-a7be-66c2eaa75f32_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019d972b-2977-7f43-98ec-f18d0b397128" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_019d972a-fdbb-7b9e-a7be-66c2eaa75f32" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019d972b-2977-7f43-98ec-f18d0b397128" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_ClientRelationshipsMember_019d972c-1354-7404-aec2-9ac51a96d8e8" xlink:href="schw-20260331.xsd#schw_ClientRelationshipsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019d972b-2977-7f43-98ec-f18d0b397128" xlink:to="loc_schw_ClientRelationshipsMember_019d972c-1354-7404-aec2-9ac51a96d8e8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TechnologyBasedIntangibleAssetsMember_019d972c-89b1-7a51-8e6f-943add4031e6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TechnologyBasedIntangibleAssetsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019d972b-2977-7f43-98ec-f18d0b397128" xlink:to="loc_us-gaap_TechnologyBasedIntangibleAssetsMember_019d972c-89b1-7a51-8e6f-943add4031e6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_DataAndTradeNamesMember_019d972f-6b7d-72b8-af4a-6ba8ca93b005" xlink:href="schw-20260331.xsd#schw_DataAndTradeNamesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_019d972b-2977-7f43-98ec-f18d0b397128" xlink:to="loc_schw_DataAndTradeNamesMember_019d972f-6b7d-72b8-af4a-6ba8ca93b005" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinitelivedIntangibleAssetsAcquired1_019d9730-3c34-764f-9473-2224959fc898" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinitelivedIntangibleAssetsAcquired1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d971d-85b2-717d-bf87-c247f920eb7a" xlink:to="loc_us-gaap_FinitelivedIntangibleAssetsAcquired1_019d9730-3c34-764f-9473-2224959fc898" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_019d9730-6cb6-73b5-b7f6-64e05de040f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019d971d-85b2-717d-bf87-c247f920eb7a" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_019d9730-6cb6-73b5-b7f6-64e05de040f2" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/RevenueRecognitionDisaggregationofRevenueDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#RevenueRecognitionDisaggregationofRevenueDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/RevenueRecognitionDisaggregationofRevenueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_019cb98b-a212-7084-9d29-e93bc86033ec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_019cb98b-a212-7084-9d29-e93bc86033ec" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_019cb98b-a212-7ab0-a492-1b2c1c19acbe" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductOrServiceAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_019cb98b-a212-7084-9d29-e93bc86033ec" xlink:to="loc_srt_ProductOrServiceAxis_019cb98b-a212-7ab0-a492-1b2c1c19acbe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019cb98b-a212-7ab0-a492-1b2c1c19acbe_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductsAndServicesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ProductOrServiceAxis_019cb98b-a212-7ab0-a492-1b2c1c19acbe" xlink:to="loc_srt_ProductsAndServicesDomain_019cb98b-a212-7ab0-a492-1b2c1c19acbe_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019cb98b-a212-7e52-ac49-ecaa140b1476" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductsAndServicesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ProductOrServiceAxis_019cb98b-a212-7ab0-a492-1b2c1c19acbe" xlink:to="loc_srt_ProductsAndServicesDomain_019cb98b-a212-7e52-ac49-ecaa140b1476" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_AssetManagementAndAdministrationServiceMember_019cb98b-a212-7f34-94be-e329f01d2c4d" xlink:href="schw-20260331.xsd#schw_AssetManagementAndAdministrationServiceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019cb98b-a212-7e52-ac49-ecaa140b1476" xlink:to="loc_schw_AssetManagementAndAdministrationServiceMember_019cb98b-a212-7f34-94be-e329f01d2c4d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentPerformanceMember_019cb98b-a212-75dd-a31c-bfe12571c3c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentPerformanceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_AssetManagementAndAdministrationServiceMember_019cb98b-a212-7f34-94be-e329f01d2c4d" xlink:to="loc_us-gaap_InvestmentPerformanceMember_019cb98b-a212-75dd-a31c-bfe12571c3c4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentAdviceMember_019cb98b-a212-73b5-af65-bbc5d03067b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentAdviceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_AssetManagementAndAdministrationServiceMember_019cb98b-a212-7f34-94be-e329f01d2c4d" xlink:to="loc_us-gaap_InvestmentAdviceMember_019cb98b-a212-73b5-af65-bbc5d03067b4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialServiceOtherMember_019cb98b-a212-753a-9109-ae474edefbac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialServiceOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_AssetManagementAndAdministrationServiceMember_019cb98b-a212-7f34-94be-e329f01d2c4d" xlink:to="loc_us-gaap_FinancialServiceOtherMember_019cb98b-a212-753a-9109-ae474edefbac" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_TradingRevenueServiceMember_019cb98b-a212-7ec3-83b8-9afcc202b3c9" xlink:href="schw-20260331.xsd#schw_TradingRevenueServiceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019cb98b-a212-7e52-ac49-ecaa140b1476" xlink:to="loc_schw_TradingRevenueServiceMember_019cb98b-a212-7ec3-83b8-9afcc202b3c9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CommissionsMember_019cb98b-a212-7c92-b18a-7d0f66d31950" xlink:href="schw-20260331.xsd#schw_CommissionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_TradingRevenueServiceMember_019cb98b-a212-7ec3-83b8-9afcc202b3c9" xlink:to="loc_schw_CommissionsMember_019cb98b-a212-7c92-b18a-7d0f66d31950" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OrderFlowRevenueMember_019cb98b-a212-71d4-aaa3-3b272aac08ac" xlink:href="schw-20260331.xsd#schw_OrderFlowRevenueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_TradingRevenueServiceMember_019cb98b-a212-7ec3-83b8-9afcc202b3c9" xlink:to="loc_schw_OrderFlowRevenueMember_019cb98b-a212-71d4-aaa3-3b272aac08ac" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_PrincipalTransactionsMember_019cb98b-a212-7155-9179-4370fd25679f" xlink:href="schw-20260331.xsd#schw_PrincipalTransactionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_TradingRevenueServiceMember_019cb98b-a212-7ec3-83b8-9afcc202b3c9" xlink:to="loc_schw_PrincipalTransactionsMember_019cb98b-a212-7155-9179-4370fd25679f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_BankDepositAccountFeesMember_019cb98b-a212-76c8-acc2-b42d86754f80" xlink:href="schw-20260331.xsd#schw_BankDepositAccountFeesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019cb98b-a212-7e52-ac49-ecaa140b1476" xlink:to="loc_schw_BankDepositAccountFeesMember_019cb98b-a212-76c8-acc2-b42d86754f80" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProductAndServiceOtherMember_019cb98b-a212-7264-af43-2dca96f7db1f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProductAndServiceOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019cb98b-a212-7e52-ac49-ecaa140b1476" xlink:to="loc_us-gaap_ProductAndServiceOtherMember_019cb98b-a212-7264-af43-2dca96f7db1f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InterestIncomeCashAndCashEquivalents_019cb98b-a212-7609-b32c-58333bbe5cff" xlink:href="schw-20260331.xsd#schw_InterestIncomeCashAndCashEquivalents"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_schw_InterestIncomeCashAndCashEquivalents_019cb98b-a212-7609-b32c-58333bbe5cff" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InterestIncomeCashAndSecuritiesSegregatedUnderFederalAndOtherRegulations_019cb98b-a212-7bb0-bd3e-fc67f17162f4" xlink:href="schw-20260331.xsd#schw_InterestIncomeCashAndSecuritiesSegregatedUnderFederalAndOtherRegulations"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_schw_InterestIncomeCashAndSecuritiesSegregatedUnderFederalAndOtherRegulations_019cb98b-a212-7bb0-bd3e-fc67f17162f4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InterestIncomeReceivablesFromBrokerageCustomers_019cb98b-a212-7774-aa1d-13775824d3fa" xlink:href="schw-20260331.xsd#schw_InterestIncomeReceivablesFromBrokerageCustomers"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_schw_InterestIncomeReceivablesFromBrokerageCustomers_019cb98b-a212-7774-aa1d-13775824d3fa" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating_019cb98b-a212-757b-86ff-74bb88967eec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_InterestIncomeDebtSecuritiesAvailableForSaleOperating_019cb98b-a212-757b-86ff-74bb88967eec" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity_019cb98b-a212-7b33-9d69-8578a87195b2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity_019cb98b-a212-7b33-9d69-8578a87195b2" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019cb98b-a212-708a-8fda-4cdd5f8eb8a2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019cb98b-a212-708a-8fda-4cdd5f8eb8a2" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InterestIncomeSecuritiesLending_019cb98b-a212-7d57-9a53-9e7eb18c72b7" xlink:href="schw-20260331.xsd#schw_InterestIncomeSecuritiesLending"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_schw_InterestIncomeSecuritiesLending_019cb98b-a212-7d57-9a53-9e7eb18c72b7" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeOther_019cb98b-a212-757a-9161-d5eb0c2dd8f6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeOther"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_InterestIncomeOther_019cb98b-a212-757a-9161-d5eb0c2dd8f6" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeOperating_019cb98b-a212-7ed8-aac5-ff7bddd102e8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_InterestIncomeOperating_019cb98b-a212-7ed8-aac5-ff7bddd102e8" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits_019cb98b-a212-704d-9d78-59069cf86987" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_InterestExpenseDeposits_019cb98b-a212-704d-9d78-59069cf86987" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InterestExpenseBrokerDealerPayableToOtherBrokerDealerAndClearingOrganization_019cb98b-a212-7068-ab03-299fa181312c" xlink:href="schw-20260331.xsd#schw_InterestExpenseBrokerDealerPayableToOtherBrokerDealerAndClearingOrganization"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_schw_InterestExpenseBrokerDealerPayableToOtherBrokerDealerAndClearingOrganization_019cb98b-a212-7068-ab03-299fa181312c" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InterestExpensePayablesToBrokerageCustomers_019cb98b-a212-7bfd-9e28-0961c3fec7a3" xlink:href="schw-20260331.xsd#schw_InterestExpensePayablesToBrokerageCustomers"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_schw_InterestExpensePayablesToBrokerageCustomers_019cb98b-a212-7bfd-9e28-0961c3fec7a3" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOtherShortTermBorrowings_019cb98b-a212-7719-adc1-d96605f0cc05" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOtherShortTermBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_InterestExpenseOtherShortTermBorrowings_019cb98b-a212-7719-adc1-d96605f0cc05" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InterestExpenseFederalHomeLoanBankAdvances_019cb98b-a212-78f0-9ef3-989d8a62a576" xlink:href="schw-20260331.xsd#schw_InterestExpenseFederalHomeLoanBankAdvances"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_schw_InterestExpenseFederalHomeLoanBankAdvances_019cb98b-a212-78f0-9ef3-989d8a62a576" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseLongTermDebt_019cb98b-a212-76b7-8549-394b74bac182" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseLongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_InterestExpenseLongTermDebt_019cb98b-a212-76b7-8549-394b74bac182" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherInterestExpenseIncludingCapitalizedInterest_019cb98b-a212-70bb-8021-fdc7ea524c9f" xlink:href="schw-20260331.xsd#schw_OtherInterestExpenseIncludingCapitalizedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_schw_OtherInterestExpenseIncludingCapitalizedInterest_019cb98b-a212-70bb-8021-fdc7ea524c9f" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_019cb98b-a212-7bd8-8a49-91319d2e07b7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_InterestExpenseOperating_019cb98b-a212-7bd8-8a49-91319d2e07b7" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019cb98b-a212-7eb2-bfe7-13c4b1855ef0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019cb98b-a212-7eb2-bfe7-13c4b1855ef0" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019cb98b-a212-70f5-b6de-a949a1a2972f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019cb98b-a212-70f5-b6de-a949a1a2972f" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019cb98b-a212-7688-ad6f-2c1de351cc44" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_019cb98b-a212-78cb-8ce8-6733b4373b18" xlink:to="loc_us-gaap_Revenues_019cb98b-a212-7688-ad6f-2c1de351cc44" xlink:type="arc" order="19"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/InvestmentSecuritiesAmortizedCostGrossUnrealizedGainsandLossesandFairValueofSecuritiesAvailableforSaleandHeldtoMaturityDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#InvestmentSecuritiesAmortizedCostGrossUnrealizedGainsandLossesandFairValueofSecuritiesAvailableforSaleandHeldtoMaturityDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/InvestmentSecuritiesAmortizedCostGrossUnrealizedGainsandLossesandFairValueofSecuritiesAvailableforSaleandHeldtoMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7eeb-b207-6791a7d3de11" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d5-a0ef-032015affecb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7eeb-b207-6791a7d3de11" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d5-a0ef-032015affecb" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-736c-9edf-d3aabe87d959" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d5-a0ef-032015affecb" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-736c-9edf-d3aabe87d959" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-736c-9edf-d3aabe87d959_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-736c-9edf-d3aabe87d959" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-736c-9edf-d3aabe87d959_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-736c-9edf-d3aabe87d959" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019cb98b-a212-7d61-9eb8-9409d91b4c01" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019cb98b-a212-7d61-9eb8-9409d91b4c01" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_019cb98b-a212-7664-bbf8-3772310cf6b7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_019cb98b-a212-7664-bbf8-3772310cf6b7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_019cb98b-a212-796c-a04e-e0ca0b9c26dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_019cb98b-a212-796c-a04e-e0ca0b9c26dd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019cb98b-a212-7e28-b6ae-ab06086a36ef" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019cb98b-a212-7e28-b6ae-ab06086a36ef" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019cb98b-a212-7944-9e44-2924b7e3d3e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019cb98b-a212-7944-9e44-2924b7e3d3e7" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_019ddf51-a323-797a-98b9-0b267fe886ab" xlink:href="schw-20260331.xsd#schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_019ddf51-a323-797a-98b9-0b267fe886ab" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_019ddf51-a323-7e2a-bd23-cabf36f638db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_019ddf51-a323-7e2a-bd23-cabf36f638db" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CorporateDebtSecuritiesIssuedByInstitutionsInInformationTechnologyIndustryMember_019cb98b-a212-793a-9852-19d85184458d" xlink:href="schw-20260331.xsd#schw_CorporateDebtSecuritiesIssuedByInstitutionsInInformationTechnologyIndustryMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_schw_CorporateDebtSecuritiesIssuedByInstitutionsInInformationTechnologyIndustryMember_019cb98b-a212-793a-9852-19d85184458d" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CorporateDebtSecuritiesIssuedByInstitutionsInConsumerStaplesIndustryMember_019cb98b-a212-7ed5-b032-6747b215f353" xlink:href="schw-20260331.xsd#schw_CorporateDebtSecuritiesIssuedByInstitutionsInConsumerStaplesIndustryMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_schw_CorporateDebtSecuritiesIssuedByInstitutionsInConsumerStaplesIndustryMember_019cb98b-a212-7ed5-b032-6747b215f353" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CorporateDebtSecuritiesIssuedByInstitutionsInHealthcareIndustryMember_019df4dd-c21a-75e2-910a-c5daa0f74fce" xlink:href="schw-20260331.xsd#schw_CorporateDebtSecuritiesIssuedByInstitutionsInHealthcareIndustryMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_schw_CorporateDebtSecuritiesIssuedByInstitutionsInHealthcareIndustryMember_019df4dd-c21a-75e2-910a-c5daa0f74fce" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_019cb98b-a212-7388-8492-75d844b016f0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_us-gaap_FederalFamilyEducationLoanProgramFfelpGuaranteedLoansMember_019cb98b-a212-7388-8492-75d844b016f0" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedCreditCardSecuritiesMember_019cb98b-a212-7188-91c2-c0fbfee685ea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralizedCreditCardSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_us-gaap_CollateralizedCreditCardSecuritiesMember_019cb98b-a212-7188-91c2-c0fbfee685ea" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPaperMember_019d9762-8ad1-7223-a852-6ebd63ab8447" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPaperMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7341-9d19-cca0abc58357" xlink:to="loc_us-gaap_CommercialPaperMember_019d9762-8ad1-7223-a852-6ebd63ab8447" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019cb98b-a212-7560-b671-596afb8e5a49" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d5-a0ef-032015affecb" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019cb98b-a212-7560-b671-596afb8e5a49" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019cb98b-a212-7560-b671-596afb8e5a49_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019cb98b-a212-7560-b671-596afb8e5a49" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019cb98b-a212-7560-b671-596afb8e5a49_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019cb98b-a212-7dd0-b253-c13908c2ec64" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019cb98b-a212-7560-b671-596afb8e5a49" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019cb98b-a212-7dd0-b253-c13908c2ec64" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019cb98b-a212-70fc-a219-f7572fe9c5dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019cb98b-a212-7dd0-b253-c13908c2ec64" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019cb98b-a212-70fc-a219-f7572fe9c5dd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_019cb98b-a212-7506-996c-f23083af7469" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d5-a0ef-032015affecb" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_019cb98b-a212-7506-996c-f23083af7469" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_019cb98b-a212-7506-996c-f23083af7469_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_019cb98b-a212-7506-996c-f23083af7469" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_019cb98b-a212-7506-996c-f23083af7469_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_019cb98b-a212-761a-a206-0eebbdcd8093" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_019cb98b-a212-7506-996c-f23083af7469" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_019cb98b-a212-761a-a206-0eebbdcd8093" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancialInstrumentConcentrationRiskMember_019cb98b-a212-7716-bf55-7df28cf054b8" xlink:href="schw-20260331.xsd#schw_FinancialInstrumentConcentrationRiskMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_019cb98b-a212-761a-a206-0eebbdcd8093" xlink:to="loc_schw_FinancialInstrumentConcentrationRiskMember_019cb98b-a212-7716-bf55-7df28cf054b8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationAxis_019d40af-7408-71f5-9d84-a0f2fd5ca747" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BalanceSheetLocationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d5-a0ef-032015affecb" xlink:to="loc_us-gaap_BalanceSheetLocationAxis_019d40af-7408-71f5-9d84-a0f2fd5ca747" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_019d40af-7408-71f5-9d84-a0f2fd5ca747_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_019d40af-7408-71f5-9d84-a0f2fd5ca747" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_019d40af-7408-71f5-9d84-a0f2fd5ca747_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_019d40af-9e60-7885-bc0d-b0df5cd8085b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_019d40af-7408-71f5-9d84-a0f2fd5ca747" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_019d40af-9e60-7885-bc0d-b0df5cd8085b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsMember_019d40af-e008-7821-b790-4eaed636f20e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_019d40af-9e60-7885-bc0d-b0df5cd8085b" xlink:to="loc_us-gaap_CashAndCashEquivalentsMember_019d40af-e008-7821-b790-4eaed636f20e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-747d-a720-e004b7dcc9cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7eeb-b207-6791a7d3de11" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-747d-a720-e004b7dcc9cd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7c14-8d79-021cc6e9917d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-747d-a720-e004b7dcc9cd" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7c14-8d79-021cc6e9917d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019cb98b-a212-79ec-ac5c-1eea3418cd3c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-747d-a720-e004b7dcc9cd" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019cb98b-a212-79ec-ac5c-1eea3418cd3c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019cb98b-a212-77dc-8f05-8c0f0c731a03" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-747d-a720-e004b7dcc9cd" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019cb98b-a212-77dc-8f05-8c0f0c731a03" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a212-7261-ac8d-a2ad5409f01d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-747d-a720-e004b7dcc9cd" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a212-7261-ac8d-a2ad5409f01d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_019cb98b-a212-7665-bfba-1e7eda7ba705" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-747d-a720-e004b7dcc9cd" xlink:to="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_019cb98b-a212-7665-bfba-1e7eda7ba705" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedGainBeforeTaxCumulativeIncreaseDecrease_019cb98b-a212-7097-8d37-c05ce159fde0" xlink:href="schw-20260331.xsd#schw_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedGainBeforeTaxCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-747d-a720-e004b7dcc9cd" xlink:to="loc_schw_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedGainBeforeTaxCumulativeIncreaseDecrease_019cb98b-a212-7097-8d37-c05ce159fde0" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedLossBeforeTaxCumulativeIncreaseDecrease_019cb98b-a212-79f3-a2f3-f00472b9b9e1" xlink:href="schw-20260331.xsd#schw_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedLossBeforeTaxCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-747d-a720-e004b7dcc9cd" xlink:to="loc_schw_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedLossBeforeTaxCumulativeIncreaseDecrease_019cb98b-a212-79f3-a2f3-f00472b9b9e1" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019cb98b-a212-75d6-8c80-139e9429cffa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7eeb-b207-6791a7d3de11" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019cb98b-a212-75d6-8c80-139e9429cffa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7eea-8d27-850c6113637e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019cb98b-a212-75d6-8c80-139e9429cffa" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7eea-8d27-850c6113637e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019cb98b-a212-72bc-94e4-90444e1a653b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019cb98b-a212-75d6-8c80-139e9429cffa" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019cb98b-a212-72bc-94e4-90444e1a653b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019cb98b-a212-744f-9875-0ec892cec6bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019cb98b-a212-75d6-8c80-139e9429cffa" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019cb98b-a212-744f-9875-0ec892cec6bd" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019cb98b-a212-70ff-945c-6499911718c6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_019cb98b-a212-75d6-8c80-139e9429cffa" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019cb98b-a212-70ff-945c-6499911718c6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_019cb98b-a212-7864-991f-8337cee5260b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7eeb-b207-6791a7d3de11" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_019cb98b-a212-7864-991f-8337cee5260b" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/InvestmentSecuritiesNarrativeDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#InvestmentSecuritiesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/InvestmentSecuritiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d4-8adc-bec2824435d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d4-8adc-bec2824435d6" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-7f0c-b412-020ccb553629" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d4-8adc-bec2824435d6" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-7f0c-b412-020ccb553629" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7f0c-b412-020ccb553629_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-7f0c-b412-020ccb553629" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7f0c-b412-020ccb553629_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebf-afdf-787129eafbff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-7f0c-b412-020ccb553629" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebf-afdf-787129eafbff" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsMember_019cb98b-a212-72cf-b80c-53cf141b3df2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebf-afdf-787129eafbff" xlink:to="loc_us-gaap_DepositsMember_019cb98b-a212-72cf-b80c-53cf141b3df2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019cb98b-a212-7294-92af-a1a791d20751" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebf-afdf-787129eafbff" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019cb98b-a212-7294-92af-a1a791d20751" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_019d933a-1e5d-7cf7-955f-e51e5aed8a43" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebf-afdf-787129eafbff" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_019d933a-1e5d-7cf7-955f-e51e5aed8a43" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityAxis_019cb98b-a212-7fc3-97b2-a78d4446c34e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d4-8adc-bec2824435d6" xlink:to="loc_us-gaap_LineOfCreditFacilityAxis_019cb98b-a212-7fc3-97b2-a78d4446c34e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityLenderDomain_019cb98b-a212-7fc3-97b2-a78d4446c34e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityLenderDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LineOfCreditFacilityAxis_019cb98b-a212-7fc3-97b2-a78d4446c34e" xlink:to="loc_us-gaap_LineOfCreditFacilityLenderDomain_019cb98b-a212-7fc3-97b2-a78d4446c34e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityLenderDomain_019cb98b-a212-7e0f-8f4d-8d1a337d0eba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityLenderDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LineOfCreditFacilityAxis_019cb98b-a212-7fc3-97b2-a78d4446c34e" xlink:to="loc_us-gaap_LineOfCreditFacilityLenderDomain_019cb98b-a212-7e0f-8f4d-8d1a337d0eba" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cb98b-a212-7201-b1e6-6c60ea463936" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_019cb98b-a212-7e0f-8f4d-8d1a337d0eba" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cb98b-a212-7201-b1e6-6c60ea463936" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalReserveBankAdvancesMember_019cb98b-a212-7ab7-8943-948c2f6e4096" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalReserveBankAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLenderDomain_019cb98b-a212-7e0f-8f4d-8d1a337d0eba" xlink:to="loc_us-gaap_FederalReserveBankAdvancesMember_019cb98b-a212-7ab7-8943-948c2f6e4096" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_019cb98b-a212-76cc-8a90-4c0a27c48afb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d4-8adc-bec2824435d6" xlink:to="loc_us-gaap_PledgedStatusAxis_019cb98b-a212-76cc-8a90-4c0a27c48afb" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019cb98b-a212-76cc-8a90-4c0a27c48afb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PledgedStatusAxis_019cb98b-a212-76cc-8a90-4c0a27c48afb" xlink:to="loc_us-gaap_PledgedStatusDomain_019cb98b-a212-76cc-8a90-4c0a27c48afb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019cb98b-a212-79f6-b9dd-1972c3e5daf9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PledgedStatusAxis_019cb98b-a212-76cc-8a90-4c0a27c48afb" xlink:to="loc_us-gaap_PledgedStatusDomain_019cb98b-a212-79f6-b9dd-1972c3e5daf9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_019cb98b-a212-7e44-95d4-38b5545576a9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PledgedStatusDomain_019cb98b-a212-79f6-b9dd-1972c3e5daf9" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_019cb98b-a212-7e44-95d4-38b5545576a9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgingPurposeAxis_019cb98b-a212-7e5d-bfb2-38bec3465221" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgingPurposeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d4-8adc-bec2824435d6" xlink:to="loc_us-gaap_PledgingPurposeAxis_019cb98b-a212-7e5d-bfb2-38bec3465221" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgingPurposeDomain_019cb98b-a212-7e5d-bfb2-38bec3465221_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgingPurposeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PledgingPurposeAxis_019cb98b-a212-7e5d-bfb2-38bec3465221" xlink:to="loc_us-gaap_PledgingPurposeDomain_019cb98b-a212-7e5d-bfb2-38bec3465221_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgingPurposeDomain_019cb98b-a212-7a5c-a989-8f9a5f08922e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgingPurposeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PledgingPurposeAxis_019cb98b-a212-7e5d-bfb2-38bec3465221" xlink:to="loc_us-gaap_PledgingPurposeDomain_019cb98b-a212-7a5c-a989-8f9a5f08922e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_019cb98b-a212-701a-86db-b31397b9c748" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PledgingPurposeDomain_019cb98b-a212-7a5c-a989-8f9a5f08922e" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_019cb98b-a212-701a-86db-b31397b9c748" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_019cb98b-a212-704e-b74f-2a1699bfd764" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PledgingPurposeDomain_019cb98b-a212-7a5c-a989-8f9a5f08922e" xlink:to="loc_us-gaap_InterestRateSwapMember_019cb98b-a212-704e-b74f-2a1699bfd764" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationAxis_019d9762-2645-77e8-947b-ef1a1668aec2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BalanceSheetLocationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-74d4-8adc-bec2824435d6" xlink:to="loc_us-gaap_BalanceSheetLocationAxis_019d9762-2645-77e8-947b-ef1a1668aec2" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_019d9762-2645-77e8-947b-ef1a1668aec2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_019d9762-2645-77e8-947b-ef1a1668aec2" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_019d9762-2645-77e8-947b-ef1a1668aec2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_019d9762-2645-7b16-a400-d491b766f2d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_019d9762-2645-77e8-947b-ef1a1668aec2" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_019d9762-2645-7b16-a400-d491b766f2d5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsMember_019d9762-2645-7fb2-bf76-15a7efe1f82f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_019d9762-2645-7b16-a400-d491b766f2d5" xlink:to="loc_us-gaap_CashAndCashEquivalentsMember_019d9762-2645-7fb2-bf76-15a7efe1f82f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesHeldAsCollateralAtFairValue_019cb98b-a212-70ad-a410-e25f2c3e0ef9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesHeldAsCollateralAtFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:to="loc_us-gaap_SecuritiesHeldAsCollateralAtFairValue_019cb98b-a212-70ad-a410-e25f2c3e0ef9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SecuritiesHeldAsCollateralAtCollateralValue_019cb98b-a212-753a-bdd2-e6d1769228fd" xlink:href="schw-20260331.xsd#schw_SecuritiesHeldAsCollateralAtCollateralValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:to="loc_schw_SecuritiesHeldAsCollateralAtCollateralValue_019cb98b-a212-753a-bdd2-e6d1769228fd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7acb-8fe5-5e3a9bd522e6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7acb-8fe5-5e3a9bd522e6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLossAmountEligibleForSaleAndUtilization_019cb98b-a212-7b91-90fd-976fd91d5865" xlink:href="schw-20260331.xsd#schw_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLossAmountEligibleForSaleAndUtilization"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:to="loc_schw_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLossAmountEligibleForSaleAndUtilization_019cb98b-a212-7b91-90fd-976fd91d5865" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a212-78ff-a88a-1c858c2f4d9f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a212-78ff-a88a-1c858c2f4d9f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossWriteoff_019cb98b-a212-7e83-a116-445e9a77b305" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossWriteoff_019cb98b-a212-7e83-a116-445e9a77b305" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_DebtSecuritiesAvailableForSaleExcludingAccruedInterestWriteDownToFairValue_019cb98b-a212-70f6-ae49-fe29b85ff113" xlink:href="schw-20260331.xsd#schw_DebtSecuritiesAvailableForSaleExcludingAccruedInterestWriteDownToFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:to="loc_schw_DebtSecuritiesAvailableForSaleExcludingAccruedInterestWriteDownToFairValue_019cb98b-a212-70f6-ae49-fe29b85ff113" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_019cb98b-a212-7e80-8b80-f31d25cb37d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_019cb98b-a212-7e80-8b80-f31d25cb37d2" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_019cb98b-a212-7bf8-8432-deeb01e5bad3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_019cb98b-a212-7bf8-8432-deeb01e5bad3" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_DebtSecuritiesAvailableForSaleAndHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7d56-85bb-3ebf6bfe9bca" xlink:href="schw-20260331.xsd#schw_DebtSecuritiesAvailableForSaleAndHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:to="loc_schw_DebtSecuritiesAvailableForSaleAndHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7d56-85bb-3ebf6bfe9bca" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_DebtSecuritiesAvailableForSaleAndHeldToMaturityAccruedInterestWriteoff_019cb98b-a212-7b18-bc43-f85dd8cab0e6" xlink:href="schw-20260331.xsd#schw_DebtSecuritiesAvailableForSaleAndHeldToMaturityAccruedInterestWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7503-841b-8cc76a91f9f7" xlink:to="loc_schw_DebtSecuritiesAvailableForSaleAndHeldToMaturityAccruedInterestWriteoff_019cb98b-a212-7b18-bc43-f85dd8cab0e6" xlink:type="arc" order="10"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/InvestmentSecuritiesAvailableForSalewithUnrealizedLossesAggregatedbyCategoryandPeriodofContinuousUnrealizedLossDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#InvestmentSecuritiesAvailableForSalewithUnrealizedLossesAggregatedbyCategoryandPeriodofContinuousUnrealizedLossDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/InvestmentSecuritiesAvailableForSalewithUnrealizedLossesAggregatedbyCategoryandPeriodofContinuousUnrealizedLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7749-abe1-ced0872d150c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-7a20-a9f0-bebb88018a9b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7749-abe1-ced0872d150c" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-7a20-a9f0-bebb88018a9b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-7665-b76c-b6e562d2c651" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-7a20-a9f0-bebb88018a9b" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-7665-b76c-b6e562d2c651" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7665-b76c-b6e562d2c651_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-7665-b76c-b6e562d2c651" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7665-b76c-b6e562d2c651_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-703a-a7c2-311f545fb5f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-7665-b76c-b6e562d2c651" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-703a-a7c2-311f545fb5f5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019cb98b-a212-7b76-85b0-9b719722d58b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-703a-a7c2-311f545fb5f5" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019cb98b-a212-7b76-85b0-9b719722d58b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_019cb98b-a212-775b-b73a-172e75251437" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-703a-a7c2-311f545fb5f5" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_019cb98b-a212-775b-b73a-172e75251437" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_019cb98b-a212-7e9a-b4a7-31658ab903e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-703a-a7c2-311f545fb5f5" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_019cb98b-a212-7e9a-b4a7-31658ab903e1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019cb98b-a212-7db3-a53f-dc3abefbf42f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-703a-a7c2-311f545fb5f5" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019cb98b-a212-7db3-a53f-dc3abefbf42f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019cb98b-a212-75d0-ba0c-3fcdbcaeeaa0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-703a-a7c2-311f545fb5f5" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019cb98b-a212-75d0-ba0c-3fcdbcaeeaa0" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_019cb98b-a212-7e32-8cbb-994acc15c79e" xlink:href="schw-20260331.xsd#schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-703a-a7c2-311f545fb5f5" xlink:to="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_019cb98b-a212-7e32-8cbb-994acc15c79e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_019cb98b-a212-768f-8a04-0f45977326e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-703a-a7c2-311f545fb5f5" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_019cb98b-a212-768f-8a04-0f45977326e7" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-7767-9ee2-fdfa69afca70" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7749-abe1-ced0872d150c" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-7767-9ee2-fdfa69afca70" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019cb98b-a212-7516-9f50-b31e8bf6afb2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-7767-9ee2-fdfa69afca70" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019cb98b-a212-7516-9f50-b31e8bf6afb2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019cb98b-a212-7671-93d7-0a587fe1c867" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-7767-9ee2-fdfa69afca70" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019cb98b-a212-7671-93d7-0a587fe1c867" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019cb98b-a212-7c0f-9eb7-89e237fac1bc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-7767-9ee2-fdfa69afca70" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019cb98b-a212-7c0f-9eb7-89e237fac1bc" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019cb98b-a212-78b6-8242-2a3fd079ab8f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-7767-9ee2-fdfa69afca70" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019cb98b-a212-78b6-8242-2a3fd079ab8f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019cb98b-a212-777a-a9cd-f2f770b15c5d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-7767-9ee2-fdfa69afca70" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019cb98b-a212-777a-a9cd-f2f770b15c5d" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019cb98b-a212-795f-8252-9c7103d449c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019cb98b-a212-7767-9ee2-fdfa69afca70" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019cb98b-a212-795f-8252-9c7103d449c0" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLossLessThanStatedAmount_019cb98b-a212-76bf-bf0d-644972964373" xlink:href="schw-20260331.xsd#schw_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLossLessThanStatedAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7749-abe1-ced0872d150c" xlink:to="loc_schw_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLossLessThanStatedAmount_019cb98b-a212-76bf-bf0d-644972964373" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_019cb98b-a212-7af1-9cba-ece6a6beedc7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7749-abe1-ced0872d150c" xlink:to="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_019cb98b-a212-7af1-9cba-ece6a6beedc7" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/InvestmentSecuritiesMaturitiesofSecuritiesAvailableforSaleandHeldtoMaturityDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#InvestmentSecuritiesMaturitiesofSecuritiesAvailableforSaleandHeldtoMaturityDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/InvestmentSecuritiesMaturitiesofSecuritiesAvailableforSaleandHeldtoMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7560-9e10-62727629cf4a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-784d-988d-16002f8fd7b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7560-9e10-62727629cf4a" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-784d-988d-16002f8fd7b1" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-7d5f-a7a1-5ef713520e33" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019cb98b-a212-784d-988d-16002f8fd7b1" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-7d5f-a7a1-5ef713520e33" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7d5f-a7a1-5ef713520e33_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-7d5f-a7a1-5ef713520e33" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7d5f-a7a1-5ef713520e33_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebc-a4b9-268d3cbeb7f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a212-7d5f-a7a1-5ef713520e33" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebc-a4b9-268d3cbeb7f5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019cb98b-a212-7a19-8a48-483a74651a7a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebc-a4b9-268d3cbeb7f5" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019cb98b-a212-7a19-8a48-483a74651a7a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_019cb98b-a212-763d-a155-ca19bede9f42" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebc-a4b9-268d3cbeb7f5" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_019cb98b-a212-763d-a155-ca19bede9f42" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_019cb98b-a212-7bab-84d2-967d1efc89a7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebc-a4b9-268d3cbeb7f5" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_019cb98b-a212-7bab-84d2-967d1efc89a7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019cb98b-a212-7933-a9a8-053bb10d7640" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebc-a4b9-268d3cbeb7f5" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019cb98b-a212-7933-a9a8-053bb10d7640" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019cb98b-a212-7c3f-96e2-68d5ab44f657" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebc-a4b9-268d3cbeb7f5" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019cb98b-a212-7c3f-96e2-68d5ab44f657" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_019cb98b-a212-71b1-88b4-554c6623bbe8" xlink:href="schw-20260331.xsd#schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebc-a4b9-268d3cbeb7f5" xlink:to="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_019cb98b-a212-71b1-88b4-554c6623bbe8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_019cb98b-a212-74f9-be17-15786760427d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a212-7ebc-a4b9-268d3cbeb7f5" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_019cb98b-a212-74f9-be17-15786760427d" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_019cb98b-a212-7aee-8714-8723551b7f93" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7560-9e10-62727629cf4a" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_019cb98b-a212-7aee-8714-8723551b7f93" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019cb98b-a212-7c30-8751-706439157da9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_019cb98b-a212-7aee-8714-8723551b7f93" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_019cb98b-a212-7c30-8751-706439157da9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019cb98b-a212-7623-b7ec-c47033b3a6d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_019cb98b-a212-7aee-8714-8723551b7f93" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019cb98b-a212-7623-b7ec-c47033b3a6d3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019cb98b-a212-7a76-b265-a43d2e46b9c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_019cb98b-a212-7aee-8714-8723551b7f93" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019cb98b-a212-7a76-b265-a43d2e46b9c4" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_019cb98b-a212-73cf-8fbc-c0605388cc91" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_019cb98b-a212-7aee-8714-8723551b7f93" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_019cb98b-a212-73cf-8fbc-c0605388cc91" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a212-7745-8d80-3850fd4f4b76" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAbstract_019cb98b-a212-7aee-8714-8723551b7f93" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a212-7745-8d80-3850fd4f4b76" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-7ebd-a464-c87660fc36ba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7560-9e10-62727629cf4a" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-7ebd-a464-c87660fc36ba" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019cb98b-a212-7c7b-97a6-d9a3a90afd6c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-7ebd-a464-c87660fc36ba" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_019cb98b-a212-7c7b-97a6-d9a3a90afd6c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019cb98b-a212-7c27-9a1e-d4fdb4a242c6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-7ebd-a464-c87660fc36ba" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_019cb98b-a212-7c27-9a1e-d4fdb4a242c6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019cb98b-a212-7483-862c-a381f1c569cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-7ebd-a464-c87660fc36ba" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_019cb98b-a212-7483-862c-a381f1c569cf" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_019cb98b-a212-7410-9010-ad10df66fabc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-7ebd-a464-c87660fc36ba" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_019cb98b-a212-7410-9010-ad10df66fabc" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_019cb98b-a212-7a75-a633-cae66f002dda" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-7ebd-a464-c87660fc36ba" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_019cb98b-a212-7a75-a633-cae66f002dda" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019cb98b-a212-7357-88d6-a49e58651542" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7560-9e10-62727629cf4a" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019cb98b-a212-7357-88d6-a49e58651542" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_019cb98b-a212-7d37-a765-8011f3349381" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019cb98b-a212-7357-88d6-a49e58651542" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_019cb98b-a212-7d37-a765-8011f3349381" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019cb98b-a212-7635-8641-f9c61e3d5333" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019cb98b-a212-7357-88d6-a49e58651542" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019cb98b-a212-7635-8641-f9c61e3d5333" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019cb98b-a212-7b85-a6c8-50e5d7280c86" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019cb98b-a212-7357-88d6-a49e58651542" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019cb98b-a212-7b85-a6c8-50e5d7280c86" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_019cb98b-a212-7a9b-a02e-d24c6c08bba6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019cb98b-a212-7357-88d6-a49e58651542" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_019cb98b-a212-7a9b-a02e-d24c6c08bba6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019cb98b-a212-74df-abae-fe8f4478268a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValueAbstract_019cb98b-a212-7357-88d6-a49e58651542" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019cb98b-a212-74df-abae-fe8f4478268a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-73e1-bf02-588d9f1ed6f1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7560-9e10-62727629cf4a" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-73e1-bf02-588d9f1ed6f1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne_019cb98b-a212-7d35-b3bc-c7cceaef076a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-73e1-bf02-588d9f1ed6f1" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne_019cb98b-a212-7d35-b3bc-c7cceaef076a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_019cb98b-a212-73cf-b872-d662ba69975e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-73e1-bf02-588d9f1ed6f1" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_019cb98b-a212-73cf-b872-d662ba69975e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10_019cb98b-a212-715a-833f-64ae7c750f43" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-73e1-bf02-588d9f1ed6f1" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10_019cb98b-a212-715a-833f-64ae7c750f43" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10_019cb98b-a212-79ad-93c5-95aa236bc85f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-73e1-bf02-588d9f1ed6f1" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10_019cb98b-a212-79ad-93c5-95aa236bc85f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate_019cb98b-a212-74c5-b2e0-08664d5dbcf3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasisAbstract_019cb98b-a212-73e1-bf02-588d9f1ed6f1" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate_019cb98b-a212-74c5-b2e0-08664d5dbcf3" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgePortfolioLayerMethodCumulativeIncreaseDecreaseExcludedFromAmortizedCost_019cb98b-a212-75dd-8fd2-fff94dbcab9b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedAssetFairValueHedgePortfolioLayerMethodCumulativeIncreaseDecreaseExcludedFromAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019cb98b-a212-7560-9e10-62727629cf4a" xlink:to="loc_us-gaap_HedgedAssetFairValueHedgePortfolioLayerMethodCumulativeIncreaseDecreaseExcludedFromAmortizedCost_019cb98b-a212-75dd-8fd2-fff94dbcab9b" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansandRelatedAllowanceforCreditLossesCompositionofBankLoansandDelinquencyAnalysisbyLoanSegmentDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#BankLoansandRelatedAllowanceforCreditLossesCompositionofBankLoansandDelinquencyAnalysisbyLoanSegmentDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/BankLoansandRelatedAllowanceforCreditLossesCompositionofBankLoansandDelinquencyAnalysisbyLoanSegmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019cb98b-a212-7ab7-8a38-6432bb3e8f15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cb98b-a212-7d87-b13f-71688f78c285" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019cb98b-a212-7ab7-8a38-6432bb3e8f15" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cb98b-a212-7d87-b13f-71688f78c285" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-747d-bdd2-eecc7fe75e81" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cb98b-a212-7d87-b13f-71688f78c285" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-747d-bdd2-eecc7fe75e81" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-747d-bdd2-eecc7fe75e81_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-747d-bdd2-eecc7fe75e81" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-747d-bdd2-eecc7fe75e81_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7ff0-ab1d-6d8480506161" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-747d-bdd2-eecc7fe75e81" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7ff0-ab1d-6d8480506161" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a212-7518-bc0c-a16011a2c8dc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7ff0-ab1d-6d8480506161" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a212-7518-bc0c-a16011a2c8dc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_PledgedAssetLinesPortfolioSegmentMember_019cb98b-a212-72d0-a824-0069b4daaa64" xlink:href="schw-20260331.xsd#schw_PledgedAssetLinesPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7ff0-ab1d-6d8480506161" xlink:to="loc_schw_PledgedAssetLinesPortfolioSegmentMember_019cb98b-a212-72d0-a824-0069b4daaa64" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherPortfolioSegmentMember_019cb98b-a212-77f5-8eb7-2311c5672c63" xlink:href="schw-20260331.xsd#schw_OtherPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7ff0-ab1d-6d8480506161" xlink:to="loc_schw_OtherPortfolioSegmentMember_019cb98b-a212-77f5-8eb7-2311c5672c63" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-78bc-a958-ffd7e3628dbc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cb98b-a212-7d87-b13f-71688f78c285" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-78bc-a958-ffd7e3628dbc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-78bc-a958-ffd7e3628dbc_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-78bc-a958-ffd7e3628dbc" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-78bc-a958-ffd7e3628dbc_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-7547-b2f6-b9ca5638f98c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-78bc-a958-ffd7e3628dbc" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-7547-b2f6-b9ca5638f98c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FirstMortgageMember_019cb98b-a212-7b91-ad2c-276dec640691" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FirstMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-7547-b2f6-b9ca5638f98c" xlink:to="loc_us-gaap_FirstMortgageMember_019cb98b-a212-7b91-ad2c-276dec640691" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_019cb98b-a212-7a24-bbac-35e498481c4a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HomeEquityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-7547-b2f6-b9ca5638f98c" xlink:to="loc_us-gaap_HomeEquityMember_019cb98b-a212-7a24-bbac-35e498481c4a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cb98b-a212-7ab8-a162-90f872facbed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cb98b-a212-7d87-b13f-71688f78c285" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cb98b-a212-7ab8-a162-90f872facbed" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cb98b-a212-7ab8-a162-90f872facbed_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cb98b-a212-7ab8-a162-90f872facbed" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cb98b-a212-7ab8-a162-90f872facbed_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cb98b-a212-7ece-a885-79f6581c71d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019cb98b-a212-7ab8-a162-90f872facbed" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cb98b-a212-7ece-a885-79f6581c71d8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_019cb98b-a212-7e91-89c8-cd505dba2162" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cb98b-a212-7ece-a885-79f6581c71d8" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_019cb98b-a212-7e91-89c8-cd505dba2162" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetPastDueMember_019cb98b-a212-7683-b8fa-42224681eea4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019cb98b-a212-7ece-a885-79f6581c71d8" xlink:to="loc_us-gaap_FinancialAssetPastDueMember_019cb98b-a212-7683-b8fa-42224681eea4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019cb98b-a212-7e03-87f6-826a451ae4be" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019cb98b-a212-7683-b8fa-42224681eea4" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019cb98b-a212-7e03-87f6-826a451ae4be" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019cb98b-a212-7ab1-8e43-a800b9cf9a4b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019cb98b-a212-7683-b8fa-42224681eea4" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019cb98b-a212-7ab1-8e43-a800b9cf9a4b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019cb98b-a212-7479-b0da-aac783d81bc4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019cb98b-a212-7683-b8fa-42224681eea4" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019cb98b-a212-7479-b0da-aac783d81bc4" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019cb98b-a212-7df7-be4f-c1013eed7e87" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cb98b-a212-7d87-b13f-71688f78c285" xlink:to="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019cb98b-a212-7df7-be4f-c1013eed7e87" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019cb98b-a212-7df7-be4f-c1013eed7e87_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019cb98b-a212-7df7-be4f-c1013eed7e87" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019cb98b-a212-7df7-be4f-c1013eed7e87_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019cb98b-a212-754f-9b23-b4ea38b727e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByBenchmarkAxis_019cb98b-a212-7df7-be4f-c1013eed7e87" xlink:to="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019cb98b-a212-754f-9b23-b4ea38b727e2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_LoansGeographicAreaMember_019cb98b-a212-762a-958d-2cff42e54f87" xlink:href="schw-20260331.xsd#schw_LoansGeographicAreaMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain_019cb98b-a212-754f-9b23-b4ea38b727e2" xlink:to="loc_schw_LoansGeographicAreaMember_019cb98b-a212-762a-958d-2cff42e54f87" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_019cb98b-a212-7752-91e7-3b99e6209a65" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cb98b-a212-7d87-b13f-71688f78c285" xlink:to="loc_srt_StatementGeographicalAxis_019cb98b-a212-7752-91e7-3b99e6209a65" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_019cb98b-a212-7752-91e7-3b99e6209a65_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_StatementGeographicalAxis_019cb98b-a212-7752-91e7-3b99e6209a65" xlink:to="loc_srt_SegmentGeographicalDomain_019cb98b-a212-7752-91e7-3b99e6209a65_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_019cb98b-a212-7985-a209-cfadb071b868" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_StatementGeographicalAxis_019cb98b-a212-7752-91e7-3b99e6209a65" xlink:to="loc_srt_SegmentGeographicalDomain_019cb98b-a212-7985-a209-cfadb071b868" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CA_019cb98b-a212-7949-9fd6-bebebc239ebb" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_CA"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_019cb98b-a212-7985-a209-cfadb071b868" xlink:to="loc_stpr_CA_019cb98b-a212-7949-9fd6-bebebc239ebb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_019cb98b-a212-7e18-bc4b-e50295d8aa8a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019cb98b-a212-7d87-b13f-71688f78c285" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_019cb98b-a212-7e18-bc4b-e50295d8aa8a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_019cb98b-a212-7e18-bc4b-e50295d8aa8a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_019cb98b-a212-7e18-bc4b-e50295d8aa8a" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_019cb98b-a212-7e18-bc4b-e50295d8aa8a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_019cb98b-a212-70ef-a0a3-209f81250020" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_019cb98b-a212-7e18-bc4b-e50295d8aa8a" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_019cb98b-a212-70ef-a0a3-209f81250020" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeographicConcentrationRiskMember_019cb98b-a212-7b37-a64c-5c85874c843e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GeographicConcentrationRiskMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_019cb98b-a212-70ef-a0a3-209f81250020" xlink:to="loc_us-gaap_GeographicConcentrationRiskMember_019cb98b-a212-7b37-a64c-5c85874c843e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_019cb98b-a212-7dd1-b130-db828d4a99ba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019cb98b-a212-7ab7-8a38-6432bb3e8f15" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossFeeAndLoanInProcess_019cb98b-a212-7dd1-b130-db828d4a99ba" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cb98b-a212-7ee3-bdab-4f86b460ee84" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019cb98b-a212-7ab7-8a38-6432bb3e8f15" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cb98b-a212-7ee3-bdab-4f86b460ee84" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7fdc-b98f-411fb110895e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019cb98b-a212-7ab7-8a38-6432bb3e8f15" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a212-7fdc-b98f-411fb110895e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount_019cb98b-a212-78de-bf96-0fea9d86f028" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019cb98b-a212-7ab7-8a38-6432bb3e8f15" xlink:to="loc_us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount_019cb98b-a212-78de-bf96-0fea9d86f028" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1_019cb98b-a212-7fdc-b51b-55ec6d0dd957" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019cb98b-a212-7ab7-8a38-6432bb3e8f15" xlink:to="loc_us-gaap_ConcentrationRiskPercentage1_019cb98b-a212-7fdc-b51b-55ec6d0dd957" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_019cb98b-a212-79bb-a0ba-df274756a6af" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019cb98b-a212-7ab7-8a38-6432bb3e8f15" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_019cb98b-a212-79bb-a0ba-df274756a6af" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansandRelatedAllowanceforCreditLossesChangesinAllowanceforCreditLossesDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#BankLoansandRelatedAllowanceforCreditLossesChangesinAllowanceforCreditLossesDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/BankLoansandRelatedAllowanceforCreditLossesChangesinAllowanceforCreditLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019cb98b-a212-7a18-bf9c-bb2ea0841f3d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cb98b-a212-7dc0-b58f-e610a6091a74" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019cb98b-a212-7a18-bf9c-bb2ea0841f3d" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cb98b-a212-7dc0-b58f-e610a6091a74" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-7016-8675-2eb89754e6aa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cb98b-a212-7dc0-b58f-e610a6091a74" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-7016-8675-2eb89754e6aa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7016-8675-2eb89754e6aa_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-7016-8675-2eb89754e6aa" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7016-8675-2eb89754e6aa_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7b8d-8082-9949ca837730" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-7016-8675-2eb89754e6aa" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7b8d-8082-9949ca837730" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a212-7a43-ab14-32ca3264f36d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7b8d-8082-9949ca837730" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a212-7a43-ab14-32ca3264f36d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_PledgedAssetLinesPortfolioSegmentMember_019cb98b-a212-706e-aff4-c928f18640ea" xlink:href="schw-20260331.xsd#schw_PledgedAssetLinesPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7b8d-8082-9949ca837730" xlink:to="loc_schw_PledgedAssetLinesPortfolioSegmentMember_019cb98b-a212-706e-aff4-c928f18640ea" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherPortfolioSegmentMember_019cb98b-a212-7942-ab2c-c11989513686" xlink:href="schw-20260331.xsd#schw_OtherPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7b8d-8082-9949ca837730" xlink:to="loc_schw_OtherPortfolioSegmentMember_019cb98b-a212-7942-ab2c-c11989513686" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-79f9-b813-80ef5d3c60b5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019cb98b-a212-7dc0-b58f-e610a6091a74" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-79f9-b813-80ef5d3c60b5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-79f9-b813-80ef5d3c60b5_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-79f9-b813-80ef5d3c60b5" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-79f9-b813-80ef5d3c60b5_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-75cc-a65a-0fce953e50b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-79f9-b813-80ef5d3c60b5" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-75cc-a65a-0fce953e50b1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FirstMortgageMember_019cb98b-a212-70a2-a44e-4778be93aa93" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FirstMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-75cc-a65a-0fce953e50b1" xlink:to="loc_us-gaap_FirstMortgageMember_019cb98b-a212-70a2-a44e-4778be93aa93" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_019cb98b-a212-7844-b386-d06ca4d4f9a6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HomeEquityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-75cc-a65a-0fce953e50b1" xlink:to="loc_us-gaap_HomeEquityMember_019cb98b-a212-7844-b386-d06ca4d4f9a6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cb98b-a212-79f9-98b9-0aa4b3b26834" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019cb98b-a212-7a18-bf9c-bb2ea0841f3d" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cb98b-a212-79f9-98b9-0aa4b3b26834" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cb98b-a212-769c-9ae9-ddd26e3ff417" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cb98b-a212-79f9-98b9-0aa4b3b26834" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cb98b-a212-769c-9ae9-ddd26e3ff417" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019cb98b-a212-7687-985e-b5a7ca935359" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cb98b-a212-79f9-98b9-0aa4b3b26834" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019cb98b-a212-7687-985e-b5a7ca935359" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019cb98b-a212-7317-ad07-0b497f53c994" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cb98b-a212-79f9-98b9-0aa4b3b26834" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019cb98b-a212-7317-ad07-0b497f53c994" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_019cb98b-a212-73c5-92e2-50d05d951068" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_019cb98b-a212-79f9-98b9-0aa4b3b26834" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_019cb98b-a212-73c5-92e2-50d05d951068" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019cb98b-a212-78f4-8256-6f161fa8533c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansandRelatedAllowanceforCreditLossesNarrativeDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#BankLoansandRelatedAllowanceforCreditLossesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/BankLoansandRelatedAllowanceforCreditLossesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a212-7747-afa4-ad05dd769435" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a212-7747-afa4-ad05dd769435" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-7841-a96f-92ae1a4a38f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a212-7747-afa4-ad05dd769435" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-7841-a96f-92ae1a4a38f3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7841-a96f-92ae1a4a38f3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-7841-a96f-92ae1a4a38f3" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7841-a96f-92ae1a4a38f3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7fa6-b3db-0fb40df6c079" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-7841-a96f-92ae1a4a38f3" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7fa6-b3db-0fb40df6c079" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a212-7e6e-bddd-df7497dda684" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7fa6-b3db-0fb40df6c079" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a212-7e6e-bddd-df7497dda684" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-75f9-8f06-87e82f5ea18e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a212-7747-afa4-ad05dd769435" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-75f9-8f06-87e82f5ea18e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-75f9-8f06-87e82f5ea18e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-75f9-8f06-87e82f5ea18e" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-75f9-8f06-87e82f5ea18e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-7ebb-9807-31b5538bc95b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-75f9-8f06-87e82f5ea18e" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-7ebb-9807-31b5538bc95b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FirstMortgageMember_019cb98b-a212-7b08-9b4f-ba23a9c9759a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FirstMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-7ebb-9807-31b5538bc95b" xlink:to="loc_us-gaap_FirstMortgageMember_019cb98b-a212-7b08-9b4f-ba23a9c9759a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_019cb98b-a212-7157-b0a8-b60b59c63c7d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HomeEquityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-7ebb-9807-31b5538bc95b" xlink:to="loc_us-gaap_HomeEquityMember_019cb98b-a212-7157-b0a8-b60b59c63c7d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_HomeEquitySecuredBySecondLiensMember_019cb98b-a212-7472-b218-f8fad6ee2b0f" xlink:href="schw-20260331.xsd#schw_HomeEquitySecuredBySecondLiensMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HomeEquityMember_019cb98b-a212-7157-b0a8-b60b59c63c7d" xlink:to="loc_schw_HomeEquitySecuredBySecondLiensMember_019cb98b-a212-7472-b218-f8fad6ee2b0f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019cb98b-a212-7481-9879-4055a9a66e52" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a212-7747-afa4-ad05dd769435" xlink:to="loc_srt_RangeAxis_019cb98b-a212-7481-9879-4055a9a66e52" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019cb98b-a212-7481-9879-4055a9a66e52_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_019cb98b-a212-7481-9879-4055a9a66e52" xlink:to="loc_srt_RangeMember_019cb98b-a212-7481-9879-4055a9a66e52_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019cb98b-a212-7bfe-bc3b-79100f3de2e7" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_019cb98b-a212-7481-9879-4055a9a66e52" xlink:to="loc_srt_RangeMember_019cb98b-a212-7bfe-bc3b-79100f3de2e7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019cb98b-a212-7709-a3b6-f91d0344f580" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_019cb98b-a212-7bfe-bc3b-79100f3de2e7" xlink:to="loc_srt_MinimumMember_019cb98b-a212-7709-a3b6-f91d0344f580" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019cb98b-a212-71be-987f-464ef79b6ded" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_019cb98b-a212-7bfe-bc3b-79100f3de2e7" xlink:to="loc_srt_MaximumMember_019cb98b-a212-71be-987f-464ef79b6ded" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_AdjustableRateFirstMortgages_019cb98b-a212-7b16-9e4e-1c47cafeadbb" xlink:href="schw-20260331.xsd#schw_AdjustableRateFirstMortgages"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_schw_AdjustableRateFirstMortgages_019cb98b-a212-7b16-9e4e-1c47cafeadbb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_MortgageLoansOnRealEstateFixedRateInterestRatePeriod_019cb98b-a212-74eb-93f2-5442c8d49308" xlink:href="schw-20260331.xsd#schw_MortgageLoansOnRealEstateFixedRateInterestRatePeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_schw_MortgageLoansOnRealEstateFixedRateInterestRatePeriod_019cb98b-a212-74eb-93f2-5442c8d49308" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_MortgageLoansOnRealEstateAdjustingRateInterestRatePeriod_019cb98b-a212-7731-9fd3-585214a0c654" xlink:href="schw-20260331.xsd#schw_MortgageLoansOnRealEstateAdjustingRateInterestRatePeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_schw_MortgageLoansOnRealEstateAdjustingRateInterestRatePeriod_019cb98b-a212-7731-9fd3-585214a0c654" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_MortgageLoansOnRealEstatePercentOfLoansWithInterestOnlyPayments_019cb98b-a212-7cf3-9735-e9aeb4b23ea6" xlink:href="schw-20260331.xsd#schw_MortgageLoansOnRealEstatePercentOfLoansWithInterestOnlyPayments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_schw_MortgageLoansOnRealEstatePercentOfLoansWithInterestOnlyPayments_019cb98b-a212-7cf3-9735-e9aeb4b23ea6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_MortgageLoansOnRealEstatePercentOfInterestOnlyAdjustableRate_019cb98b-a212-7df0-ae0e-f0024b5d99f4" xlink:href="schw-20260331.xsd#schw_MortgageLoansOnRealEstatePercentOfInterestOnlyAdjustableRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_schw_MortgageLoansOnRealEstatePercentOfInterestOnlyAdjustableRate_019cb98b-a212-7df0-ae0e-f0024b5d99f4" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_MortgageLoansOnRealEstateInterestOnlyResetPeriod_019cb98b-a212-7c2c-b6f6-36fdd1de0029" xlink:href="schw-20260331.xsd#schw_MortgageLoansOnRealEstateInterestOnlyResetPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_schw_MortgageLoansOnRealEstateInterestOnlyResetPeriod_019cb98b-a212-7c2c-b6f6-36fdd1de0029" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_019cb98b-a212-736d-a883-7a78a66941c9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_019cb98b-a212-736d-a883-7a78a66941c9" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableLoanTerm_019cb98b-a212-7602-a2c3-cb036bd58699" xlink:href="schw-20260331.xsd#schw_FinancingReceivableLoanTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_schw_FinancingReceivableLoanTerm_019cb98b-a212-7602-a2c3-cb036bd58699" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableInitialDrawPeriod_019cb98b-a212-7c60-93cf-893ddb23363d" xlink:href="schw-20260331.xsd#schw_FinancingReceivableInitialDrawPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_schw_FinancingReceivableInitialDrawPeriod_019cb98b-a212-7c60-93cf-893ddb23363d" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableConvertToAmortizingLoansPeriod_019cb98b-a212-7cce-8466-f30a2d20dd35" xlink:href="schw-20260331.xsd#schw_FinancingReceivableConvertToAmortizingLoansPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_schw_FinancingReceivableConvertToAmortizingLoansPeriod_019cb98b-a212-7cce-8466-f30a2d20dd35" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb98b-a212-72b2-a28f-a2056afd3228" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb98b-a212-72b2-a28f-a2056afd3228" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivablePercentOfLoanBalanceOutstandingBorrowersPaidOnlyMinimumDue_019cb98b-a212-75c9-8d9b-bbc5a017d3fc" xlink:href="schw-20260331.xsd#schw_FinancingReceivablePercentOfLoanBalanceOutstandingBorrowersPaidOnlyMinimumDue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a212-73b5-8337-a0a6be15114f" xlink:to="loc_schw_FinancingReceivablePercentOfLoanBalanceOutstandingBorrowersPaidOnlyMinimumDue_019cb98b-a212-75c9-8d9b-bbc5a017d3fc" xlink:type="arc" order="11"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansandRelatedAllowanceforCreditLossesCreditQualityIndicatorsofBankLoanPortfolioDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#BankLoansandRelatedAllowanceforCreditLossesCreditQualityIndicatorsofBankLoanPortfolioDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/BankLoansandRelatedAllowanceforCreditLossesCreditQualityIndicatorsofBankLoanPortfolioDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cb98b-a212-7e04-a379-d70a527c5016" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cb98b-a212-7e04-a379-d70a527c5016" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-7f7e-ab43-6afd9a5c2556" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cb98b-a212-7e04-a379-d70a527c5016" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-7f7e-ab43-6afd9a5c2556" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7f7e-ab43-6afd9a5c2556_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-7f7e-ab43-6afd9a5c2556" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7f7e-ab43-6afd9a5c2556_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7c9a-b6ce-3e314b1b9dae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a212-7f7e-ab43-6afd9a5c2556" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7c9a-b6ce-3e314b1b9dae" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a212-74ee-99f7-aa55e55e2c17" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a212-7c9a-b6ce-3e314b1b9dae" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a212-74ee-99f7-aa55e55e2c17" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-7a22-b0d5-43319e645231" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cb98b-a212-7e04-a379-d70a527c5016" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-7a22-b0d5-43319e645231" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-7a22-b0d5-43319e645231_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-7a22-b0d5-43319e645231" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-7a22-b0d5-43319e645231_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-788f-a238-637fece59936" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a212-7a22-b0d5-43319e645231" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-788f-a238-637fece59936" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FirstMortgageMember_019cb98b-a212-7f5d-87f1-ee9962a142fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FirstMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-788f-a238-637fece59936" xlink:to="loc_us-gaap_FirstMortgageMember_019cb98b-a212-7f5d-87f1-ee9962a142fb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_019cb98b-a212-7ec7-aca0-63884c47f913" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HomeEquityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a212-788f-a238-637fece59936" xlink:to="loc_us-gaap_HomeEquityMember_019cb98b-a212-7ec7-aca0-63884c47f913" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusAxis_019cb98b-a212-77d2-b99d-456ed9f86d66" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cb98b-a212-7e04-a379-d70a527c5016" xlink:to="loc_us-gaap_CreditLossStatusAxis_019cb98b-a212-77d2-b99d-456ed9f86d66" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusDomain_019cb98b-a212-77d2-b99d-456ed9f86d66_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CreditLossStatusAxis_019cb98b-a212-77d2-b99d-456ed9f86d66" xlink:to="loc_us-gaap_CreditLossStatusDomain_019cb98b-a212-77d2-b99d-456ed9f86d66_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusDomain_019cb98b-a212-76ca-a15f-045ae1639ffe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CreditLossStatusAxis_019cb98b-a212-77d2-b99d-456ed9f86d66" xlink:to="loc_us-gaap_CreditLossStatusDomain_019cb98b-a212-76ca-a15f-045ae1639ffe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetOriginatedMember_019cb98b-a212-7092-9498-044f5c4208d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetOriginatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditLossStatusDomain_019cb98b-a212-76ca-a15f-045ae1639ffe" xlink:to="loc_us-gaap_FinancialAssetOriginatedMember_019cb98b-a212-7092-9498-044f5c4208d8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoAxis_019cb98b-a212-71f7-b8af-b8442ae2a4b3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditScoreFicoAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cb98b-a212-7e04-a379-d70a527c5016" xlink:to="loc_us-gaap_CreditScoreFicoAxis_019cb98b-a212-71f7-b8af-b8442ae2a4b3" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoDomain_019cb98b-a212-71f7-b8af-b8442ae2a4b3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditScoreFicoDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CreditScoreFicoAxis_019cb98b-a212-71f7-b8af-b8442ae2a4b3" xlink:to="loc_us-gaap_CreditScoreFicoDomain_019cb98b-a212-71f7-b8af-b8442ae2a4b3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoDomain_019cb98b-a212-70ee-a0ad-7263a84d7e85" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditScoreFicoDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CreditScoreFicoAxis_019cb98b-a212-71f7-b8af-b8442ae2a4b3" xlink:to="loc_us-gaap_CreditScoreFicoDomain_019cb98b-a212-70ee-a0ad-7263a84d7e85" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OriginationFicoScoreBelow620Member_019cb98b-a212-74c6-8e04-9c080c20cb72" xlink:href="schw-20260331.xsd#schw_OriginationFicoScoreBelow620Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_019cb98b-a212-70ee-a0ad-7263a84d7e85" xlink:to="loc_schw_OriginationFicoScoreBelow620Member_019cb98b-a212-74c6-8e04-9c080c20cb72" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OriginationFicoScore620Through679Member_019cb98b-a212-7d3a-8367-0fcaa1fcdbff" xlink:href="schw-20260331.xsd#schw_OriginationFicoScore620Through679Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_019cb98b-a212-70ee-a0ad-7263a84d7e85" xlink:to="loc_schw_OriginationFicoScore620Through679Member_019cb98b-a212-7d3a-8367-0fcaa1fcdbff" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OriginationFicoScore680Through739Member_019cb98b-a212-7db9-91e8-2a537aad733a" xlink:href="schw-20260331.xsd#schw_OriginationFicoScore680Through739Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_019cb98b-a212-70ee-a0ad-7263a84d7e85" xlink:to="loc_schw_OriginationFicoScore680Through739Member_019cb98b-a212-7db9-91e8-2a537aad733a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OriginationFicoScore740AndAboveMember_019cb98b-a212-7b17-a2a9-55951893fbee" xlink:href="schw-20260331.xsd#schw_OriginationFicoScore740AndAboveMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_019cb98b-a212-70ee-a0ad-7263a84d7e85" xlink:to="loc_schw_OriginationFicoScore740AndAboveMember_019cb98b-a212-7b17-a2a9-55951893fbee" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_UpdatedFICOScoreBelow620Member_019cb98b-a212-7bf4-a43d-f6d5fed1bc30" xlink:href="schw-20260331.xsd#schw_UpdatedFICOScoreBelow620Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_019cb98b-a212-70ee-a0ad-7263a84d7e85" xlink:to="loc_schw_UpdatedFICOScoreBelow620Member_019cb98b-a212-7bf4-a43d-f6d5fed1bc30" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_UpdatedFICOScore620Through679Member_019cb98b-a212-78f1-8483-8e1fdfe1b929" xlink:href="schw-20260331.xsd#schw_UpdatedFICOScore620Through679Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_019cb98b-a212-70ee-a0ad-7263a84d7e85" xlink:to="loc_schw_UpdatedFICOScore620Through679Member_019cb98b-a212-78f1-8483-8e1fdfe1b929" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_UpdatedFICOScore680Through739Member_019cb98b-a212-7a30-b36f-61ae7768558f" xlink:href="schw-20260331.xsd#schw_UpdatedFICOScore680Through739Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_019cb98b-a212-70ee-a0ad-7263a84d7e85" xlink:to="loc_schw_UpdatedFICOScore680Through739Member_019cb98b-a212-7a30-b36f-61ae7768558f" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_UpdatedFICOScore740AndAboveMember_019cb98b-a212-79d4-91da-3ec96b134d17" xlink:href="schw-20260331.xsd#schw_UpdatedFICOScore740AndAboveMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_019cb98b-a212-70ee-a0ad-7263a84d7e85" xlink:to="loc_schw_UpdatedFICOScore740AndAboveMember_019cb98b-a212-79d4-91da-3ec96b134d17" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanToValueAxis_019cb98b-a212-76e8-ad0b-a3dbec4bb202" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanToValueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019cb98b-a212-7e04-a379-d70a527c5016" xlink:to="loc_us-gaap_LoanToValueAxis_019cb98b-a212-76e8-ad0b-a3dbec4bb202" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanToValueDomain_019cb98b-a212-76e8-ad0b-a3dbec4bb202_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanToValueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LoanToValueAxis_019cb98b-a212-76e8-ad0b-a3dbec4bb202" xlink:to="loc_us-gaap_LoanToValueDomain_019cb98b-a212-76e8-ad0b-a3dbec4bb202_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanToValueDomain_019cb98b-a212-7e54-bc20-12e9becf3cf6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanToValueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LoanToValueAxis_019cb98b-a212-76e8-ad0b-a3dbec4bb202" xlink:to="loc_us-gaap_LoanToValueDomain_019cb98b-a212-7e54-bc20-12e9becf3cf6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OriginationLoanToValueRatio70AndBelowMember_019cb98b-a212-707e-92de-e48592c9ad52" xlink:href="schw-20260331.xsd#schw_OriginationLoanToValueRatio70AndBelowMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanToValueDomain_019cb98b-a212-7e54-bc20-12e9becf3cf6" xlink:to="loc_schw_OriginationLoanToValueRatio70AndBelowMember_019cb98b-a212-707e-92de-e48592c9ad52" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OriginationLoanToValueRatioGreaterThan70Through90Member_019cb98b-a212-7067-9acf-63da7667cdb1" xlink:href="schw-20260331.xsd#schw_OriginationLoanToValueRatioGreaterThan70Through90Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanToValueDomain_019cb98b-a212-7e54-bc20-12e9becf3cf6" xlink:to="loc_schw_OriginationLoanToValueRatioGreaterThan70Through90Member_019cb98b-a212-7067-9acf-63da7667cdb1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OriginationLoanToValueRatioGreaterThan90Through100Member_019cb98b-a212-76db-b676-139f419948dd" xlink:href="schw-20260331.xsd#schw_OriginationLoanToValueRatioGreaterThan90Through100Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanToValueDomain_019cb98b-a212-7e54-bc20-12e9becf3cf6" xlink:to="loc_schw_OriginationLoanToValueRatioGreaterThan90Through100Member_019cb98b-a212-76db-b676-139f419948dd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_EstimatedCurrentLoanToValueRatio70AndBelowMember_019cb98b-a212-75df-835a-73fec9eaf11a" xlink:href="schw-20260331.xsd#schw_EstimatedCurrentLoanToValueRatio70AndBelowMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanToValueDomain_019cb98b-a212-7e54-bc20-12e9becf3cf6" xlink:to="loc_schw_EstimatedCurrentLoanToValueRatio70AndBelowMember_019cb98b-a212-75df-835a-73fec9eaf11a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_EstimatedCurrentLoanToValueRatioGreaterThan70Through90Member_019cb98b-a212-7ba6-8097-9a098ea959fb" xlink:href="schw-20260331.xsd#schw_EstimatedCurrentLoanToValueRatioGreaterThan70Through90Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanToValueDomain_019cb98b-a212-7e54-bc20-12e9becf3cf6" xlink:to="loc_schw_EstimatedCurrentLoanToValueRatioGreaterThan70Through90Member_019cb98b-a212-7ba6-8097-9a098ea959fb" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_EstimatedCurrentLoanToValueRatioGreaterThan90Through100Member_019cb98b-a212-74b0-8281-2baec5366ee3" xlink:href="schw-20260331.xsd#schw_EstimatedCurrentLoanToValueRatioGreaterThan90Through100Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanToValueDomain_019cb98b-a212-7e54-bc20-12e9becf3cf6" xlink:to="loc_schw_EstimatedCurrentLoanToValueRatioGreaterThan90Through100Member_019cb98b-a212-74b0-8281-2baec5366ee3" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019cb98b-a212-7910-8132-cb42e7a38653" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019cb98b-a212-7910-8132-cb42e7a38653" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019cb98b-a212-7618-ac81-41fd8aefbddd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019cb98b-a212-7618-ac81-41fd8aefbddd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019cb98b-a212-7ed5-9f8a-6a84e399a277" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019cb98b-a212-7ed5-9f8a-6a84e399a277" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019cb98b-a212-7823-9b72-1d05762eedd0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019cb98b-a212-7823-9b72-1d05762eedd0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019cb98b-a212-7b7a-8d4f-6730539c5151" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019cb98b-a212-7b7a-8d4f-6730539c5151" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019cb98b-a212-78dd-b845-54602de64d03" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019cb98b-a212-78dd-b845-54602de64d03" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_019cb98b-a212-7a61-a728-5ae856221465" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_019cb98b-a212-7a61-a728-5ae856221465" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_019cb98b-a212-7c08-86c6-cbf55fa61063" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_019cb98b-a212-7c08-86c6-cbf55fa61063" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb98b-a212-7e64-9e08-9d448356e3a3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb98b-a212-7e64-9e08-9d448356e3a3" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019cb98b-a212-707d-b920-3b19a8085c31" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019cb98b-a212-707d-b920-3b19a8085c31" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019cb98b-a212-7eb1-99f7-bec280834afa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019cb98b-a212-707d-b920-3b19a8085c31" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019cb98b-a212-7eb1-99f7-bec280834afa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019cb98b-a212-7691-9317-0228fe74f879" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019cb98b-a212-707d-b920-3b19a8085c31" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019cb98b-a212-7691-9317-0228fe74f879" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019cb98b-a212-7158-8c0e-5190be779cbb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019cb98b-a212-707d-b920-3b19a8085c31" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019cb98b-a212-7158-8c0e-5190be779cbb" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019cb98b-a212-7e2b-bec6-4b56440d4892" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019cb98b-a212-707d-b920-3b19a8085c31" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019cb98b-a212-7e2b-bec6-4b56440d4892" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019cb98b-a212-7630-bf21-4b0eb8804792" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019cb98b-a212-707d-b920-3b19a8085c31" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019cb98b-a212-7630-bf21-4b0eb8804792" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019cb98b-a212-70db-ad4b-450e17a36e04" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019cb98b-a212-707d-b920-3b19a8085c31" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019cb98b-a212-70db-ad4b-450e17a36e04" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_019cb98b-a212-7483-9d59-b2f510fc6c2b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019cb98b-a212-707d-b920-3b19a8085c31" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_019cb98b-a212-7483-9d59-b2f510fc6c2b" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_019cb98b-a212-72a6-bd29-700c375ed17b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019cb98b-a212-707d-b920-3b19a8085c31" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_019cb98b-a212-72a6-bd29-700c375ed17b" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019cb98b-a212-7a8a-9bb3-226e495ed6f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019cb98b-a212-707d-b920-3b19a8085c31" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019cb98b-a212-7a8a-9bb3-226e495ed6f3" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansAbstract_019cb98b-a212-7da8-a068-28c30d5b20d0" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019cb98b-a212-70de-8c1f-f81806e77518" xlink:to="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansAbstract_019cb98b-a212-7da8-a068-28c30d5b20d0" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019cb98b-a212-7a7f-9436-a1590f1b5c04" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansAbstract_019cb98b-a212-7da8-a068-28c30d5b20d0" xlink:to="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019cb98b-a212-7a7f-9436-a1590f1b5c04" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019cb98b-a212-7343-9724-86153795f579" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansAbstract_019cb98b-a212-7da8-a068-28c30d5b20d0" xlink:to="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019cb98b-a212-7343-9724-86153795f579" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019cb98b-a212-7bfc-9f05-efb77d10a792" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansAbstract_019cb98b-a212-7da8-a068-28c30d5b20d0" xlink:to="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019cb98b-a212-7bfc-9f05-efb77d10a792" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019cb98b-a212-7009-847c-8bac51e75fe7" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansAbstract_019cb98b-a212-7da8-a068-28c30d5b20d0" xlink:to="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019cb98b-a212-7009-847c-8bac51e75fe7" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019cb98b-a212-7823-a0bb-ecd7bde09bb9" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansAbstract_019cb98b-a212-7da8-a068-28c30d5b20d0" xlink:to="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019cb98b-a212-7823-a0bb-ecd7bde09bb9" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019cb98b-a212-7617-9992-69c836a6fe77" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansAbstract_019cb98b-a212-7da8-a068-28c30d5b20d0" xlink:to="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019cb98b-a212-7617-9992-69c836a6fe77" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestRevolving_019cb98b-a212-7c4f-a9e8-2889f30dc7c5" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestRevolving"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansAbstract_019cb98b-a212-7da8-a068-28c30d5b20d0" xlink:to="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterestRevolving_019cb98b-a212-7c4f-a9e8-2889f30dc7c5" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansRevolvingExcludingAccruedInterestConvertedToTermLoan_019cb98b-a212-74b5-bed1-b47cca7d178a" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansRevolvingExcludingAccruedInterestConvertedToTermLoan"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansAbstract_019cb98b-a212-7da8-a068-28c30d5b20d0" xlink:to="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansRevolvingExcludingAccruedInterestConvertedToTermLoan_019cb98b-a212-74b5-bed1-b47cca7d178a" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterest_019cb98b-a212-7146-a74e-7d29b0d52f61" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansAbstract_019cb98b-a212-7da8-a068-28c30d5b20d0" xlink:to="loc_schw_FinancingReceivableRatioOfNonperformingLoansToAllLoansExcludingAccruedInterest_019cb98b-a212-7146-a74e-7d29b0d52f61" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/BankLoansandRelatedAllowanceforCreditLossesConverttoAmortizingLoansDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#BankLoansandRelatedAllowanceforCreditLossesConverttoAmortizingLoansDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/BankLoansandRelatedAllowanceforCreditLossesConverttoAmortizingLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7fae-b836-d5bfcb4a4728" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a2f3-7925-b80c-f8b6ec9a943e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7fae-b836-d5bfcb4a4728" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a2f3-7925-b80c-f8b6ec9a943e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f3-71e6-84b1-c8eb05e6e358" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a2f3-7925-b80c-f8b6ec9a943e" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f3-71e6-84b1-c8eb05e6e358" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-71e6-84b1-c8eb05e6e358_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f3-71e6-84b1-c8eb05e6e358" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-71e6-84b1-c8eb05e6e358_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-7b48-a002-2bfed904effc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f3-71e6-84b1-c8eb05e6e358" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-7b48-a002-2bfed904effc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a2f3-7286-82fe-d6e5ff2588ed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-7b48-a002-2bfed904effc" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a2f3-7286-82fe-d6e5ff2588ed" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f3-7831-a5a5-e647f08708fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a2f3-7925-b80c-f8b6ec9a943e" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f3-7831-a5a5-e647f08708fc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7831-a5a5-e647f08708fc_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f3-7831-a5a5-e647f08708fc" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7831-a5a5-e647f08708fc_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7681-8b18-4dbde4d71912" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f3-7831-a5a5-e647f08708fc" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7681-8b18-4dbde4d71912" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_019cb98b-a2f3-7dc2-b5cf-55871df302a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HomeEquityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7681-8b18-4dbde4d71912" xlink:to="loc_us-gaap_HomeEquityMember_019cb98b-a2f3-7dc2-b5cf-55871df302a5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRevolvingConvertedToTermLoanDuringRemainderOfFiscalYear_019cb98b-a2f3-747c-881e-0c6200d485e4" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRevolvingConvertedToTermLoanDuringRemainderOfFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7fae-b836-d5bfcb4a4728" xlink:to="loc_schw_FinancingReceivableRevolvingConvertedToTermLoanDuringRemainderOfFiscalYear_019cb98b-a2f3-747c-881e-0c6200d485e4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRevolvingConvertedToTermLoanYearOne_019cb98b-a2f3-7dab-ab47-cd8b6527353b" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRevolvingConvertedToTermLoanYearOne"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7fae-b836-d5bfcb4a4728" xlink:to="loc_schw_FinancingReceivableRevolvingConvertedToTermLoanYearOne_019cb98b-a2f3-7dab-ab47-cd8b6527353b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRevolvingConvertedToTermLoanYearOneToYearThree_019cb98b-a2f3-77b9-84bc-b7225266fd79" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRevolvingConvertedToTermLoanYearOneToYearThree"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7fae-b836-d5bfcb4a4728" xlink:to="loc_schw_FinancingReceivableRevolvingConvertedToTermLoanYearOneToYearThree_019cb98b-a2f3-77b9-84bc-b7225266fd79" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRevolvingConvertedToTermLoanYearThreeToYearFive_019cb98b-a2f3-78e8-9f84-531ae42b4925" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRevolvingConvertedToTermLoanYearThreeToYearFive"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7fae-b836-d5bfcb4a4728" xlink:to="loc_schw_FinancingReceivableRevolvingConvertedToTermLoanYearThreeToYearFive_019cb98b-a2f3-78e8-9f84-531ae42b4925" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableRevolvingConvertedToTermLoanYearFiveAndThereafter_019cb98b-a2f3-7225-81e4-ab098b289ab0" xlink:href="schw-20260331.xsd#schw_FinancingReceivableRevolvingConvertedToTermLoanYearFiveAndThereafter"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7fae-b836-d5bfcb4a4728" xlink:to="loc_schw_FinancingReceivableRevolvingConvertedToTermLoanYearFiveAndThereafter_019cb98b-a2f3-7225-81e4-ab098b289ab0" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb98b-a2f3-7aaa-9e2d-48ddfdc392c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7fae-b836-d5bfcb4a4728" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019cb98b-a2f3-7aaa-9e2d-48ddfdc392c3" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableConvertToAmortizingLoansDuringPeriod_019cb98b-a2f3-7cd2-9fcf-d6ef41f9d817" xlink:href="schw-20260331.xsd#schw_FinancingReceivableConvertToAmortizingLoansDuringPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7fae-b836-d5bfcb4a4728" xlink:to="loc_schw_FinancingReceivableConvertToAmortizingLoansDuringPeriod_019cb98b-a2f3-7cd2-9fcf-d6ef41f9d817" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/VariableInterestEntitiesDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#VariableInterestEntitiesDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/VariableInterestEntitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems_019cb98b-a2f3-7235-a50f-f3f28dc88953" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019cb98b-a2f3-7a85-bfe0-50b0d68ab35c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019cb98b-a2f3-7235-a50f-f3f28dc88953" xlink:to="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019cb98b-a2f3-7a85-bfe0-50b0d68ab35c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_019cb98b-a2f3-77d4-ac25-e8fade8fe941" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019cb98b-a2f3-7a85-bfe0-50b0d68ab35c" xlink:to="loc_srt_ConsolidatedEntitiesAxis_019cb98b-a2f3-77d4-ac25-e8fade8fe941" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_019cb98b-a2f3-77d4-ac25-e8fade8fe941_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_019cb98b-a2f3-77d4-ac25-e8fade8fe941" xlink:to="loc_srt_ConsolidatedEntitiesDomain_019cb98b-a2f3-77d4-ac25-e8fade8fe941_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_019cb98b-a2f3-7760-babc-d3e510985e84" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_019cb98b-a2f3-77d4-ac25-e8fade8fe941" xlink:to="loc_srt_ConsolidatedEntitiesDomain_019cb98b-a2f3-7760-babc-d3e510985e84" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_019cb98b-a2f3-78b3-997e-0620ad48f592" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_019cb98b-a2f3-7760-babc-d3e510985e84" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_019cb98b-a2f3-78b3-997e-0620ad48f592" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InvestmentsInAffordableHousingProjectsAxis_019cb98b-a2f3-7b5f-aaef-351bd5c6d953" xlink:href="schw-20260331.xsd#schw_InvestmentsInAffordableHousingProjectsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable_019cb98b-a2f3-7a85-bfe0-50b0d68ab35c" xlink:to="loc_schw_InvestmentsInAffordableHousingProjectsAxis_019cb98b-a2f3-7b5f-aaef-351bd5c6d953" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InvestmentsInAffordableHousingProjectsDomain_019cb98b-a2f3-7b5f-aaef-351bd5c6d953_default" xlink:href="schw-20260331.xsd#schw_InvestmentsInAffordableHousingProjectsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_schw_InvestmentsInAffordableHousingProjectsAxis_019cb98b-a2f3-7b5f-aaef-351bd5c6d953" xlink:to="loc_schw_InvestmentsInAffordableHousingProjectsDomain_019cb98b-a2f3-7b5f-aaef-351bd5c6d953_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InvestmentsInAffordableHousingProjectsDomain_019cb98b-a2f3-7b7d-be91-bc1aa86cc852" xlink:href="schw-20260331.xsd#schw_InvestmentsInAffordableHousingProjectsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_schw_InvestmentsInAffordableHousingProjectsAxis_019cb98b-a2f3-7b5f-aaef-351bd5c6d953" xlink:to="loc_schw_InvestmentsInAffordableHousingProjectsDomain_019cb98b-a2f3-7b7d-be91-bc1aa86cc852" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_LowIncomeHousingTaxCreditInvestmentsMember_019cb98b-a2f3-77e9-b9da-60d7bafc4881" xlink:href="schw-20260331.xsd#schw_LowIncomeHousingTaxCreditInvestmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_InvestmentsInAffordableHousingProjectsDomain_019cb98b-a2f3-7b7d-be91-bc1aa86cc852" xlink:to="loc_schw_LowIncomeHousingTaxCreditInvestmentsMember_019cb98b-a2f3-77e9-b9da-60d7bafc4881" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherCommunityReinvestmentActInvestmentsMember_019cb98b-a2f3-7d5f-901d-e5ae084708a4" xlink:href="schw-20260331.xsd#schw_OtherCommunityReinvestmentActInvestmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_InvestmentsInAffordableHousingProjectsDomain_019cb98b-a2f3-7b7d-be91-bc1aa86cc852" xlink:to="loc_schw_OtherCommunityReinvestmentActInvestmentsMember_019cb98b-a2f3-7d5f-901d-e5ae084708a4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_019cb98b-a2f3-7e19-8c6c-784f15ab39fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019cb98b-a2f3-7235-a50f-f3f28dc88953" xlink:to="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_019cb98b-a2f3-7e19-8c6c-784f15ab39fa" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_019cb98b-a2f3-7c9b-9943-acf85ff5b2fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019cb98b-a2f3-7235-a50f-f3f28dc88953" xlink:to="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_019cb98b-a2f3-7c9b-9943-acf85ff5b2fe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019cb98b-a2f3-7fa6-9d60-8b07a2b29e9d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019cb98b-a2f3-7235-a50f-f3f28dc88953" xlink:to="loc_us-gaap_Assets_019cb98b-a2f3-7fa6-9d60-8b07a2b29e9d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019cb98b-a2f3-7d84-bb86-daa89285d198" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019cb98b-a2f3-7235-a50f-f3f28dc88953" xlink:to="loc_us-gaap_Liabilities_019cb98b-a2f3-7d84-bb86-daa89285d198" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_019cb98b-a2f3-7ad5-87ab-2e2b8d48a6e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableInterestEntityLineItems_019cb98b-a2f3-7235-a50f-f3f28dc88953" xlink:to="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_019cb98b-a2f3-7ad5-87ab-2e2b8d48a6e5" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/BorrowingsLongtermDebtIncludingUnamortizedDebtDiscountsandPremiumsDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#BorrowingsLongtermDebtIncludingUnamortizedDebtDiscountsandPremiumsDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/BorrowingsLongtermDebtIncludingUnamortizedDebtDiscountsandPremiumsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019cb98b-a2f3-7ba9-a79c-ac826798d1ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019cb98b-a2f3-7b04-9139-5eff601de63e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cb98b-a2f3-7ba9-a79c-ac826798d1ca" xlink:to="loc_us-gaap_DebtInstrumentTable_019cb98b-a2f3-7b04-9139-5eff601de63e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019cb98b-a2f3-74e9-983b-7cd1f1d3e58c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019cb98b-a2f3-7b04-9139-5eff601de63e" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019cb98b-a2f3-74e9-983b-7cd1f1d3e58c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019cb98b-a2f3-74e9-983b-7cd1f1d3e58c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019cb98b-a2f3-74e9-983b-7cd1f1d3e58c" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019cb98b-a2f3-74e9-983b-7cd1f1d3e58c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019cb98b-a2f3-7020-ac5d-c8c3fb2c56b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019cb98b-a2f3-74e9-983b-7cd1f1d3e58c" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019cb98b-a2f3-7020-ac5d-c8c3fb2c56b8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeniorNotesMember_019cb98b-a2f3-712f-85ea-e682f3141922" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeniorNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019cb98b-a2f3-7020-ac5d-c8c3fb2c56b8" xlink:to="loc_us-gaap_SeniorNotesMember_019cb98b-a2f3-712f-85ea-e682f3141922" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CSCSeniorNotesMember_019cb98b-a2f3-7b98-962d-dd8563f2e490" xlink:href="schw-20260331.xsd#schw_CSCSeniorNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019cb98b-a2f3-7020-ac5d-c8c3fb2c56b8" xlink:to="loc_schw_CSCSeniorNotesMember_019cb98b-a2f3-7b98-962d-dd8563f2e490" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CSCFixedRateSeniorNotesMember_019cb98b-a2f3-74f5-8c8f-bacf4a443d93" xlink:href="schw-20260331.xsd#schw_CSCFixedRateSeniorNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_CSCSeniorNotesMember_019cb98b-a2f3-7b98-962d-dd8563f2e490" xlink:to="loc_schw_CSCFixedRateSeniorNotesMember_019cb98b-a2f3-74f5-8c8f-bacf4a443d93" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CSCFloatingRateSeniorNotesMember_019cb98b-a2f3-7b06-8771-fd26dcf914d6" xlink:href="schw-20260331.xsd#schw_CSCFloatingRateSeniorNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_CSCSeniorNotesMember_019cb98b-a2f3-7b98-962d-dd8563f2e490" xlink:to="loc_schw_CSCFloatingRateSeniorNotesMember_019cb98b-a2f3-7b06-8771-fd26dcf914d6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CSCFixedToFloatingRateSeniorNotesMember_019cb98b-a2f3-79a2-a914-4ca2053cb543" xlink:href="schw-20260331.xsd#schw_CSCFixedToFloatingRateSeniorNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_CSCSeniorNotesMember_019cb98b-a2f3-7b98-962d-dd8563f2e490" xlink:to="loc_schw_CSCFixedToFloatingRateSeniorNotesMember_019cb98b-a2f3-79a2-a914-4ca2053cb543" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_AmeritradeHoldingSeniorNotesMember_019cb98b-a2f3-7f4c-95f3-8b6452d2208c" xlink:href="schw-20260331.xsd#schw_AmeritradeHoldingSeniorNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019cb98b-a2f3-7020-ac5d-c8c3fb2c56b8" xlink:to="loc_schw_AmeritradeHoldingSeniorNotesMember_019cb98b-a2f3-7f4c-95f3-8b6452d2208c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_AmeritradeHoldingFixedRateSeniorNotesMember_019cb98b-a2f3-7a6e-94c0-31864ff65cda" xlink:href="schw-20260331.xsd#schw_AmeritradeHoldingFixedRateSeniorNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_AmeritradeHoldingSeniorNotesMember_019cb98b-a2f3-7f4c-95f3-8b6452d2208c" xlink:to="loc_schw_AmeritradeHoldingFixedRateSeniorNotesMember_019cb98b-a2f3-7a6e-94c0-31864ff65cda" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019cb98b-a2f3-7f4c-a47d-0e7d7e382995" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019cb98b-a2f3-7b04-9139-5eff601de63e" xlink:to="loc_us-gaap_DebtInstrumentAxis_019cb98b-a2f3-7f4c-a47d-0e7d7e382995" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-7f4c-a47d-0e7d7e382995_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_019cb98b-a2f3-7f4c-a47d-0e7d7e382995" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-7f4c-a47d-0e7d7e382995_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_019cb98b-a2f3-7f4c-a47d-0e7d7e382995" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueFebruary2026Member_019cb98b-a2f3-764e-bc73-da9c4722e781" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueFebruary2026Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueFebruary2026Member_019cb98b-a2f3-764e-bc73-da9c4722e781" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueMarch2026Member_019cb98b-a2f3-7392-93f1-a7426d6e2072" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueMarch2026Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueMarch2026Member_019cb98b-a2f3-7392-93f1-a7426d6e2072" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueMay2026Member_019cb98b-a2f3-706a-a3e8-592bbc51eda8" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueMay2026Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueMay2026Member_019cb98b-a2f3-706a-a3e8-592bbc51eda8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueAugust2026Member_019cb98b-a2f3-7a68-b7ab-4eb6b1c17708" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueAugust2026Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueAugust2026Member_019cb98b-a2f3-7a68-b7ab-4eb6b1c17708" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueMarch22027Member_019cb98b-a2f3-7b76-8472-d340a12edd7a" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueMarch22027Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueMarch22027Member_019cb98b-a2f3-7b76-8472-d340a12edd7a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueMarch32027Member_019cb98b-a2f3-7f65-8bac-e0030f105703" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueMarch32027Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueMarch32027Member_019cb98b-a2f3-7f65-8bac-e0030f105703" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueApril2027Member_019cb98b-a2f3-79b5-8ac9-7d0d9555ecb7" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueApril2027Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueApril2027Member_019cb98b-a2f3-79b5-8ac9-7d0d9555ecb7" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueJanuary2028Member_019cb98b-a2f3-7e6f-850c-b3b47456dcdd" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueJanuary2028Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueJanuary2028Member_019cb98b-a2f3-7e6f-850c-b3b47456dcdd" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueMarch2028Member_019cb98b-a2f3-7332-b97a-4df5d93247bc" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueMarch2028Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueMarch2028Member_019cb98b-a2f3-7332-b97a-4df5d93247bc" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueFebruary2029Member_019cb98b-a2f3-73e7-a21c-69b6e2263aee" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueFebruary2029Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueFebruary2029Member_019cb98b-a2f3-73e7-a21c-69b6e2263aee" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueMay2029Member_019cb98b-a2f3-7db3-afc2-2a28e2435e23" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueMay2029Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueMay2029Member_019cb98b-a2f3-7db3-afc2-2a28e2435e23" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueOctober2029Member_019cb98b-a2f3-7ae3-b180-26d1024fe786" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueOctober2029Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueOctober2029Member_019cb98b-a2f3-7ae3-b180-26d1024fe786" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueMarch2030Member_019cb98b-a2f3-7f66-9501-ef1b44e48c49" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueMarch2030Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueMarch2030Member_019cb98b-a2f3-7f66-9501-ef1b44e48c49" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueMarch2031Member_019cb98b-a2f3-7a54-bc4a-57183d74f5d9" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueMarch2031Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueMarch2031Member_019cb98b-a2f3-7a54-bc4a-57183d74f5d9" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueMay2031Member_019cb98b-a2f3-789b-85bd-aa63ed068305" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueMay2031Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueMay2031Member_019cb98b-a2f3-789b-85bd-aa63ed068305" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueDecember2031Member_019cb98b-a2f3-7e6d-aed8-fca202cc7849" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueDecember2031Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueDecember2031Member_019cb98b-a2f3-7e6d-aed8-fca202cc7849" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeniorNotesDueMarch2032Member_019cb98b-a2f3-76da-9dee-ee5e9f1f5809" xlink:href="schw-20260331.xsd#schw_SeniorNotesDueMarch2032Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_SeniorNotesDueMarch2032Member_019cb98b-a2f3-76da-9dee-ee5e9f1f5809" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FloatingRateSeniorNotesDueMay2026Member_019cb98b-a2f3-7e3f-bf7c-9bda856e412a" xlink:href="schw-20260331.xsd#schw_FloatingRateSeniorNotesDueMay2026Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_FloatingRateSeniorNotesDueMay2026Member_019cb98b-a2f3-7e3f-bf7c-9bda856e412a" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FloatingRateSeniorNotesDueMarch2027Member_019cb98b-a2f3-7744-988d-d7a0bf61a4af" xlink:href="schw-20260331.xsd#schw_FloatingRateSeniorNotesDueMarch2027Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_FloatingRateSeniorNotesDueMarch2027Member_019cb98b-a2f3-7744-988d-d7a0bf61a4af" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FixedToFloatingRateSeniorNotesDueMay2029Member_019cb98b-a2f3-7d3c-9771-761eac91665f" xlink:href="schw-20260331.xsd#schw_FixedToFloatingRateSeniorNotesDueMay2029Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_FixedToFloatingRateSeniorNotesDueMay2029Member_019cb98b-a2f3-7d3c-9771-761eac91665f" xlink:type="arc" order="19"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FixedToFloatingRateSeniorNotesDueNovember2029Member_019cb98b-a2f3-71bf-a46d-073d8996a294" xlink:href="schw-20260331.xsd#schw_FixedToFloatingRateSeniorNotesDueNovember2029Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_FixedToFloatingRateSeniorNotesDueNovember2029Member_019cb98b-a2f3-71bf-a46d-073d8996a294" xlink:type="arc" order="20"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FixedToFloatingRateSeniorNotesDueNovember2031Member_019d40c4-b7fc-7e96-8c1a-bc5f5bf10191" xlink:href="schw-20260331.xsd#schw_FixedToFloatingRateSeniorNotesDueNovember2031Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_FixedToFloatingRateSeniorNotesDueNovember2031Member_019d40c4-b7fc-7e96-8c1a-bc5f5bf10191" xlink:type="arc" order="21"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FixedToFloatingRateSeniorNotesDueMay2034Member_019cb98b-a2f3-732d-8bc0-7a11530b26fa" xlink:href="schw-20260331.xsd#schw_FixedToFloatingRateSeniorNotesDueMay2034Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_FixedToFloatingRateSeniorNotesDueMay2034Member_019cb98b-a2f3-732d-8bc0-7a11530b26fa" xlink:type="arc" order="22"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FixedToFloatingRateSeniorNotesDueAugust2034Member_019cb98b-a2f3-70e3-a4f4-7408d8b4537d" xlink:href="schw-20260331.xsd#schw_FixedToFloatingRateSeniorNotesDueAugust2034Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_FixedToFloatingRateSeniorNotesDueAugust2034Member_019cb98b-a2f3-70e3-a4f4-7408d8b4537d" xlink:type="arc" order="23"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FixedToFloatingRateSeniorNotesDueNovember2036Member_019d40c6-8fd5-7dcd-83b8-d2900c3d21b8" xlink:href="schw-20260331.xsd#schw_FixedToFloatingRateSeniorNotesDueNovember2036Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-760a-8f99-367100abd696" xlink:to="loc_schw_FixedToFloatingRateSeniorNotesDueNovember2036Member_019d40c6-8fd5-7dcd-83b8-d2900c3d21b8" xlink:type="arc" order="24"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_019cb98b-a2f3-796c-ad19-73653e8653f9" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementScenarioAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019cb98b-a2f3-7b04-9139-5eff601de63e" xlink:to="loc_srt_StatementScenarioAxis_019cb98b-a2f3-796c-ad19-73653e8653f9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_019cb98b-a2f3-796c-ad19-73653e8653f9_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_StatementScenarioAxis_019cb98b-a2f3-796c-ad19-73653e8653f9" xlink:to="loc_srt_ScenarioUnspecifiedDomain_019cb98b-a2f3-796c-ad19-73653e8653f9_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_019cb98b-a2f3-759b-a135-633d8f800f06" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_StatementScenarioAxis_019cb98b-a2f3-796c-ad19-73653e8653f9" xlink:to="loc_srt_ScenarioUnspecifiedDomain_019cb98b-a2f3-759b-a135-633d8f800f06" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioForecastMember_019cb98b-a2f3-7250-ae62-9f23a1ef3846" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScenarioForecastMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ScenarioUnspecifiedDomain_019cb98b-a2f3-759b-a135-633d8f800f06" xlink:to="loc_srt_ScenarioForecastMember_019cb98b-a2f3-7250-ae62-9f23a1ef3846" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeniorNotes_019cb98b-a2f3-742b-a500-dd6b7c74c8d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeniorNotes"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cb98b-a2f3-7ba9-a79c-ac826798d1ca" xlink:to="loc_us-gaap_SeniorNotes_019cb98b-a2f3-742b-a500-dd6b7c74c8d3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLeaseLiability_019cb98b-a2f3-7fb3-bf5c-5acf7f02d4c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLeaseLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cb98b-a2f3-7ba9-a79c-ac826798d1ca" xlink:to="loc_us-gaap_FinanceLeaseLiability_019cb98b-a2f3-7fb3-bf5c-5acf7f02d4c1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedPremium_019cb98b-a2f3-75ed-bea5-f053266420b2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentUnamortizedPremium"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cb98b-a2f3-7ba9-a79c-ac826798d1ca" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedPremium_019cb98b-a2f3-75ed-bea5-f053266420b2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_019cb98b-a2f3-7237-9838-2056896560a9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cb98b-a2f3-7ba9-a79c-ac826798d1ca" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_019cb98b-a2f3-7237-9838-2056896560a9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecrease_019cb98b-a2f3-7b36-b22b-2e7f325d2e91" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cb98b-a2f3-7ba9-a79c-ac826798d1ca" xlink:to="loc_us-gaap_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecrease_019cb98b-a2f3-7b36-b22b-2e7f325d2e91" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsIncludingCurrentMaturities_019cb98b-a2f3-7f2b-8850-ddeb680601a7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligationsIncludingCurrentMaturities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cb98b-a2f3-7ba9-a79c-ac826798d1ca" xlink:to="loc_us-gaap_LongTermDebtAndCapitalLeaseObligationsIncludingCurrentMaturities_019cb98b-a2f3-7f2b-8850-ddeb680601a7" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_019cb98b-a2f3-7ce6-b822-fb50bf713de4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cb98b-a2f3-7ba9-a79c-ac826798d1ca" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_019cb98b-a2f3-7ce6-b822-fb50bf713de4" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_019cb98b-a2f3-7aaf-89b8-8e5071ec80ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019cb98b-a2f3-7ba9-a79c-ac826798d1ca" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_019cb98b-a2f3-7aaf-89b8-8e5071ec80ca" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/BorrowingsNarrativeDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#BorrowingsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/BorrowingsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityLineItems_019cb98b-a2f3-7972-9dba-b119c565861f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityTable_019cb98b-a2f3-76d0-8459-af4d84030edf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_019cb98b-a2f3-7972-9dba-b119c565861f" xlink:to="loc_us-gaap_LineOfCreditFacilityTable_019cb98b-a2f3-76d0-8459-af4d84030edf" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019cb98b-a2f3-700c-a1d8-174a1b940e36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_019cb98b-a2f3-76d0-8459-af4d84030edf" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019cb98b-a2f3-700c-a1d8-174a1b940e36" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019cb98b-a2f3-700c-a1d8-174a1b940e36_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019cb98b-a2f3-700c-a1d8-174a1b940e36" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019cb98b-a2f3-700c-a1d8-174a1b940e36_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019cb98b-a2f3-7400-b9c7-11d0b9f90d88" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019cb98b-a2f3-700c-a1d8-174a1b940e36" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019cb98b-a2f3-7400-b9c7-11d0b9f90d88" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cb98b-a2f3-725e-bb9b-807698f31deb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019cb98b-a2f3-7400-b9c7-11d0b9f90d88" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019cb98b-a2f3-725e-bb9b-807698f31deb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis_019cb98b-a2f3-7b5b-953a-2b1f8a1cb527" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditFacilityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_019cb98b-a2f3-76d0-8459-af4d84030edf" xlink:to="loc_us-gaap_CreditFacilityAxis_019cb98b-a2f3-7b5b-953a-2b1f8a1cb527" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_019cb98b-a2f3-7b5b-953a-2b1f8a1cb527_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditFacilityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CreditFacilityAxis_019cb98b-a2f3-7b5b-953a-2b1f8a1cb527" xlink:to="loc_us-gaap_CreditFacilityDomain_019cb98b-a2f3-7b5b-953a-2b1f8a1cb527_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain_019cb98b-a2f3-7985-a18e-9f1d8969b816" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditFacilityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CreditFacilityAxis_019cb98b-a2f3-7b5b-953a-2b1f8a1cb527" xlink:to="loc_us-gaap_CreditFacilityDomain_019cb98b-a2f3-7985-a18e-9f1d8969b816" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebtMember_019cb98b-a2f3-79bd-86ba-a444722c19f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuredDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditFacilityDomain_019cb98b-a2f3-7985-a18e-9f1d8969b816" xlink:to="loc_us-gaap_SecuredDebtMember_019cb98b-a2f3-79bd-86ba-a444722c19f7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditMember_019cb98b-a2f3-756c-8b6c-3c1de6535d30" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditFacilityDomain_019cb98b-a2f3-7985-a18e-9f1d8969b816" xlink:to="loc_us-gaap_LineOfCreditMember_019cb98b-a2f3-756c-8b6c-3c1de6535d30" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeAxis_019cb98b-a2f3-7806-91b2-4e8cb9456d79" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_019cb98b-a2f3-76d0-8459-af4d84030edf" xlink:to="loc_us-gaap_ShortTermDebtTypeAxis_019cb98b-a2f3-7806-91b2-4e8cb9456d79" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_019cb98b-a2f3-7806-91b2-4e8cb9456d79_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_019cb98b-a2f3-7806-91b2-4e8cb9456d79" xlink:to="loc_us-gaap_ShortTermDebtTypeDomain_019cb98b-a2f3-7806-91b2-4e8cb9456d79_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_019cb98b-a2f3-742a-b14a-dde168fd84b5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_019cb98b-a2f3-7806-91b2-4e8cb9456d79" xlink:to="loc_us-gaap_ShortTermDebtTypeDomain_019cb98b-a2f3-742a-b14a-dde168fd84b5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPaperMember_019cb98b-a2f3-76ae-8a7e-486ebbe69902" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPaperMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain_019cb98b-a2f3-742a-b14a-dde168fd84b5" xlink:to="loc_us-gaap_CommercialPaperMember_019cb98b-a2f3-76ae-8a7e-486ebbe69902" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CSCCommercialPaperNotesMember_019df4ff-ff03-7726-a10b-ca218f1b24a0" xlink:href="schw-20260331.xsd#schw_CSCCommercialPaperNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommercialPaperMember_019cb98b-a2f3-76ae-8a7e-486ebbe69902" xlink:to="loc_schw_CSCCommercialPaperNotesMember_019df4ff-ff03-7726-a10b-ca218f1b24a0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CSCo.UnsecuredCommercialPaperNotesMember_019df500-9313-7ea2-b413-b012ab267ef0" xlink:href="schw-20260331.xsd#schw_CSCo.UnsecuredCommercialPaperNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommercialPaperMember_019cb98b-a2f3-76ae-8a7e-486ebbe69902" xlink:to="loc_schw_CSCo.UnsecuredCommercialPaperNotesMember_019df500-9313-7ea2-b413-b012ab267ef0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalReserveBankAdvancesMember_019cb98b-a2f3-7466-8335-12fd839cf17d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalReserveBankAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain_019cb98b-a2f3-742a-b14a-dde168fd84b5" xlink:to="loc_us-gaap_FederalReserveBankAdvancesMember_019cb98b-a2f3-7466-8335-12fd839cf17d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepurchaseAgreementsMember_019cb98b-a2f3-74ee-bfaf-f3b4bff6f423" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepurchaseAgreementsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain_019cb98b-a2f3-742a-b14a-dde168fd84b5" xlink:to="loc_us-gaap_RepurchaseAgreementsMember_019cb98b-a2f3-74ee-bfaf-f3b4bff6f423" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019cb98b-a2f3-7926-a583-be724c0b9682" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_019cb98b-a2f3-76d0-8459-af4d84030edf" xlink:to="loc_us-gaap_DebtInstrumentAxis_019cb98b-a2f3-7926-a583-be724c0b9682" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-7926-a583-be724c0b9682_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_019cb98b-a2f3-7926-a583-be724c0b9682" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-7926-a583-be724c0b9682_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-7d89-979e-9ec1913279b2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_019cb98b-a2f3-7926-a583-be724c0b9682" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-7d89-979e-9ec1913279b2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_A5.0BillionCommercialPaperNotesMember_019d9354-96e4-757e-83d5-1391a26f7ddc" xlink:href="schw-20260331.xsd#schw_A5.0BillionCommercialPaperNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-7d89-979e-9ec1913279b2" xlink:to="loc_schw_A5.0BillionCommercialPaperNotesMember_019d9354-96e4-757e-83d5-1391a26f7ddc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_A10.0BillionCommercialPaperNotesMember_019d9355-22b7-7fc3-8aa2-bf1194a3a667" xlink:href="schw-20260331.xsd#schw_A10.0BillionCommercialPaperNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-7d89-979e-9ec1913279b2" xlink:to="loc_schw_A10.0BillionCommercialPaperNotesMember_019d9355-22b7-7fc3-8aa2-bf1194a3a667" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_UncommittedLinesOfCreditWithExternalBanksMember_019cb98b-a2f3-777c-88f5-2623263164e3" xlink:href="schw-20260331.xsd#schw_UncommittedLinesOfCreditWithExternalBanksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-7d89-979e-9ec1913279b2" xlink:to="loc_schw_UncommittedLinesOfCreditWithExternalBanksMember_019cb98b-a2f3-777c-88f5-2623263164e3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SecuredUncommittedLinesOfCreditMember_019cb98b-a2f3-72ee-8bce-6d5ea1d1ec3d" xlink:href="schw-20260331.xsd#schw_SecuredUncommittedLinesOfCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f3-7d89-979e-9ec1913279b2" xlink:to="loc_schw_SecuredUncommittedLinesOfCreditMember_019cb98b-a2f3-72ee-8bce-6d5ea1d1ec3d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019df9a4-9aed-7acd-ba55-86f561623ca8" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LegalEntityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LineOfCreditFacilityTable_019cb98b-a2f3-76d0-8459-af4d84030edf" xlink:to="loc_dei_LegalEntityAxis_019df9a4-9aed-7acd-ba55-86f561623ca8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019df9a4-9aed-7acd-ba55-86f561623ca8_default" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_dei_LegalEntityAxis_019df9a4-9aed-7acd-ba55-86f561623ca8" xlink:to="loc_dei_EntityDomain_019df9a4-9aed-7acd-ba55-86f561623ca8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019df9a4-b8fc-78b0-8d3b-bec1ec57b2b6" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_dei_LegalEntityAxis_019df9a4-9aed-7acd-ba55-86f561623ca8" xlink:to="loc_dei_EntityDomain_019df9a4-b8fc-78b0-8d3b-bec1ec57b2b6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CharlesSchwabCoIncMember_019df9a4-e0df-706e-bb8a-8f6494ce61df" xlink:href="schw-20260331.xsd#schw_CharlesSchwabCoIncMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_019df9a4-b8fc-78b0-8d3b-bec1ec57b2b6" xlink:to="loc_schw_CharlesSchwabCoIncMember_019df9a4-e0df-706e-bb8a-8f6494ce61df" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_019cb98b-a2f3-763b-8819-443e636499f8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtLongtermAndShorttermCombinedAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_019cb98b-a2f3-7972-9dba-b119c565861f" xlink:to="loc_us-gaap_DebtLongtermAndShorttermCombinedAmount_019cb98b-a2f3-763b-8819-443e636499f8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtWeightedAverageInterestRate_019cb98b-a2f3-7eef-9793-dd4bd56d09e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtWeightedAverageInterestRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_019cb98b-a2f3-7972-9dba-b119c565861f" xlink:to="loc_us-gaap_DebtWeightedAverageInterestRate_019cb98b-a2f3-7eef-9793-dd4bd56d09e5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity_019cb98b-a2f3-7b3d-9d69-02c052aee77c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_019cb98b-a2f3-7972-9dba-b119c565861f" xlink:to="loc_us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity_019cb98b-a2f3-7b3d-9d69-02c052aee77c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherShortTermBorrowings_019cb98b-a2f3-741b-92a2-d106f56d91b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherShortTermBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_019cb98b-a2f3-7972-9dba-b119c565861f" xlink:to="loc_us-gaap_OtherShortTermBorrowings_019cb98b-a2f3-741b-92a2-d106f56d91b0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtWeightedAverageInterestRate_019cb98b-a2f3-7017-a27e-588b98cf1391" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShortTermDebtWeightedAverageInterestRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_019cb98b-a2f3-7972-9dba-b119c565861f" xlink:to="loc_us-gaap_ShortTermDebtWeightedAverageInterestRate_019cb98b-a2f3-7017-a27e-588b98cf1391" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CommercialPaperIssuanceCapacity_019cb98b-a2f3-7647-aec1-292d0f323525" xlink:href="schw-20260331.xsd#schw_CommercialPaperIssuanceCapacity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_019cb98b-a2f3-7972-9dba-b119c565861f" xlink:to="loc_schw_CommercialPaperIssuanceCapacity_019cb98b-a2f3-7647-aec1-292d0f323525" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTerm_019cb98b-a2f3-7d5e-8eba-49c4d95dc224" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_019cb98b-a2f3-7972-9dba-b119c565861f" xlink:to="loc_us-gaap_DebtInstrumentTerm_019cb98b-a2f3-7d5e-8eba-49c4d95dc224" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPaper_019cb98b-a2f3-7068-9eeb-c0135c686105" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPaper"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_019cb98b-a2f3-7972-9dba-b119c565861f" xlink:to="loc_us-gaap_CommercialPaper_019cb98b-a2f3-7068-9eeb-c0135c686105" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_019d934a-9a95-79e2-9312-c794ca420f62" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_019cb98b-a2f3-7972-9dba-b119c565861f" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_019d934a-9a95-79e2-9312-c794ca420f62" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_019cb98b-a2f3-713c-bf74-4186a261847a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems_019cb98b-a2f3-7972-9dba-b119c565861f" xlink:to="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_019cb98b-a2f3-713c-bf74-4186a261847a" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/CommitmentsandContingenciesNarrativeDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#CommitmentsandContingenciesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/CommitmentsandContingenciesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesLineItems_019cb98b-a2f3-7f92-85a3-b7db3b91f7cb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LossContingenciesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesTable_019cb98b-a2f3-7880-8cf8-0fe943f583b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LossContingenciesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_LossContingenciesLineItems_019cb98b-a2f3-7f92-85a3-b7db3b91f7cb" xlink:to="loc_us-gaap_LossContingenciesTable_019cb98b-a2f3-7880-8cf8-0fe943f583b8" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f3-741e-a0ef-c3a46cbada6e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LossContingenciesTable_019cb98b-a2f3-7880-8cf8-0fe943f583b8" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f3-741e-a0ef-c3a46cbada6e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-741e-a0ef-c3a46cbada6e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f3-741e-a0ef-c3a46cbada6e" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-741e-a0ef-c3a46cbada6e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-7d4d-8330-f4a1c96eb86e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f3-741e-a0ef-c3a46cbada6e" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-7d4d-8330-f4a1c96eb86e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a2f3-7e9e-b934-f26c821dd16f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-7d4d-8330-f4a1c96eb86e" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a2f3-7e9e-b934-f26c821dd16f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f3-7958-a059-d3aa0852fe73" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LossContingenciesTable_019cb98b-a2f3-7880-8cf8-0fe943f583b8" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f3-7958-a059-d3aa0852fe73" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7958-a059-d3aa0852fe73_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f3-7958-a059-d3aa0852fe73" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7958-a059-d3aa0852fe73_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7bd3-836c-2b85d2dddefb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f3-7958-a059-d3aa0852fe73" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7bd3-836c-2b85d2dddefb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FirstMortgageMember_019cb98b-a2f3-721c-b179-399d3ad5fc5f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FirstMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7bd3-836c-2b85d2dddefb" xlink:to="loc_us-gaap_FirstMortgageMember_019cb98b-a2f3-721c-b179-399d3ad5fc5f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_019cb98b-a2f3-7349-85c7-88b4c0edbea8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HomeEquityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7bd3-836c-2b85d2dddefb" xlink:to="loc_us-gaap_HomeEquityMember_019cb98b-a2f3-7349-85c7-88b4c0edbea8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsByNatureAxis_019cb98b-a2f3-78e4-a179-98dbd4dbe5d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteeObligationsByNatureAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LossContingenciesTable_019cb98b-a2f3-7880-8cf8-0fe943f583b8" xlink:to="loc_us-gaap_GuaranteeObligationsByNatureAxis_019cb98b-a2f3-78e4-a179-98dbd4dbe5d9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsNatureDomain_019cb98b-a2f3-78e4-a179-98dbd4dbe5d9_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteeObligationsNatureDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_GuaranteeObligationsByNatureAxis_019cb98b-a2f3-78e4-a179-98dbd4dbe5d9" xlink:to="loc_us-gaap_GuaranteeObligationsNatureDomain_019cb98b-a2f3-78e4-a179-98dbd4dbe5d9_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsNatureDomain_019cb98b-a2f3-7c8c-a168-64ff0ed699a7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteeObligationsNatureDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_GuaranteeObligationsByNatureAxis_019cb98b-a2f3-78e4-a179-98dbd4dbe5d9" xlink:to="loc_us-gaap_GuaranteeObligationsNatureDomain_019cb98b-a2f3-7c8c-a168-64ff0ed699a7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceGuaranteeMember_019cb98b-a2f3-781b-8008-1f43a87632aa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PerformanceGuaranteeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_GuaranteeObligationsNatureDomain_019cb98b-a2f3-7c8c-a168-64ff0ed699a7" xlink:to="loc_us-gaap_PerformanceGuaranteeMember_019cb98b-a2f3-781b-8008-1f43a87632aa" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivablePurchasedDuringPeriod_019cb98b-a2f3-74ee-b4c5-f6c38dc2d79e" xlink:href="schw-20260331.xsd#schw_FinancingReceivablePurchasedDuringPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LossContingenciesLineItems_019cb98b-a2f3-7f92-85a3-b7db3b91f7cb" xlink:to="loc_schw_FinancingReceivablePurchasedDuringPeriod_019cb98b-a2f3-74ee-b4c5-f6c38dc2d79e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue_019cb98b-a2f3-7bd0-b8cd-911b7d96c3f9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LossContingenciesLineItems_019cb98b-a2f3-7f92-85a3-b7db3b91f7cb" xlink:to="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue_019cb98b-a2f3-7bd0-b8cd-911b7d96c3f9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InsuredDepositAccountAgreementServiceFee_019d019b-de7e-76e0-9c1d-1bea5d69643d" xlink:href="schw-20260331.xsd#schw_InsuredDepositAccountAgreementServiceFee"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LossContingenciesLineItems_019cb98b-a2f3-7f92-85a3-b7db3b91f7cb" xlink:to="loc_schw_InsuredDepositAccountAgreementServiceFee_019d019b-de7e-76e0-9c1d-1bea5d69643d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InsuredDepositAccountAgreementFloorAmount_019cb98b-a2f3-78bf-8aa6-00b727091f82" xlink:href="schw-20260331.xsd#schw_InsuredDepositAccountAgreementFloorAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LossContingenciesLineItems_019cb98b-a2f3-7f92-85a3-b7db3b91f7cb" xlink:to="loc_schw_InsuredDepositAccountAgreementFloorAmount_019cb98b-a2f3-78bf-8aa6-00b727091f82" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InsuredDepositAccountAgreementCeilingAmount_019cb98b-a2f3-7422-8e5a-f76ba0328e20" xlink:href="schw-20260331.xsd#schw_InsuredDepositAccountAgreementCeilingAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LossContingenciesLineItems_019cb98b-a2f3-7f92-85a3-b7db3b91f7cb" xlink:to="loc_schw_InsuredDepositAccountAgreementCeilingAmount_019cb98b-a2f3-7422-8e5a-f76ba0328e20" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InsuredDepositAccountAgreementIncreaseDecreaseInDepositBalance_019cb98b-a2f3-7b76-b6b5-2a06ccec5d91" xlink:href="schw-20260331.xsd#schw_InsuredDepositAccountAgreementIncreaseDecreaseInDepositBalance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LossContingenciesLineItems_019cb98b-a2f3-7f92-85a3-b7db3b91f7cb" xlink:to="loc_schw_InsuredDepositAccountAgreementIncreaseDecreaseInDepositBalance_019cb98b-a2f3-7b76-b6b5-2a06ccec5d91" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InsuredDepositAccountAgreementIncreaseDecreaseInDepositBalance_019cb98b-a2f3-7980-b485-dc8d77301d80" xlink:href="schw-20260331.xsd#schw_InsuredDepositAccountAgreementIncreaseDecreaseInDepositBalance"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InsuredDepositAccountAgreementBalance_019cb98b-a2f3-7d27-9f61-b097a2beeade" xlink:href="schw-20260331.xsd#schw_InsuredDepositAccountAgreementBalance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LossContingenciesLineItems_019cb98b-a2f3-7f92-85a3-b7db3b91f7cb" xlink:to="loc_schw_InsuredDepositAccountAgreementBalance_019cb98b-a2f3-7d27-9f61-b097a2beeade" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InsuredDepositAccountAgreementFixedRateBalance_019cb98b-a2f3-73a1-bad5-b5fc2a64f897" xlink:href="schw-20260331.xsd#schw_InsuredDepositAccountAgreementFixedRateBalance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LossContingenciesLineItems_019cb98b-a2f3-7f92-85a3-b7db3b91f7cb" xlink:to="loc_schw_InsuredDepositAccountAgreementFixedRateBalance_019cb98b-a2f3-73a1-bad5-b5fc2a64f897" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InsuredDepositAccountAgreementFloatingRateBalance_019cb98b-a2f3-76e8-8c75-55d9230e6685" xlink:href="schw-20260331.xsd#schw_InsuredDepositAccountAgreementFloatingRateBalance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LossContingenciesLineItems_019cb98b-a2f3-7f92-85a3-b7db3b91f7cb" xlink:to="loc_schw_InsuredDepositAccountAgreementFloatingRateBalance_019cb98b-a2f3-76e8-8c75-55d9230e6685" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/CommitmentsandContingenciesCommitmentstoExtendCreditonLinesofCreditandtoPurchaseFirstMortgagesDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#CommitmentsandContingenciesCommitmentstoExtendCreditonLinesofCreditandtoPurchaseFirstMortgagesDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/CommitmentsandContingenciesCommitmentstoExtendCreditonLinesofCreditandtoPurchaseFirstMortgagesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7525-91f6-8f778d284e56" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a2f3-7372-85a6-3dc011ed9160" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7525-91f6-8f778d284e56" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a2f3-7372-85a6-3dc011ed9160" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f3-71e8-8bdd-06ee89426e09" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a2f3-7372-85a6-3dc011ed9160" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f3-71e8-8bdd-06ee89426e09" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-71e8-8bdd-06ee89426e09_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f3-71e8-8bdd-06ee89426e09" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-71e8-8bdd-06ee89426e09_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-7918-ab4a-6f62c37ecae4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f3-71e8-8bdd-06ee89426e09" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-7918-ab4a-6f62c37ecae4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a2f3-7198-89df-6cab10d097e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f3-7918-ab4a-6f62c37ecae4" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a2f3-7198-89df-6cab10d097e5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f3-7de9-8389-c4e5aab6b60d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_019cb98b-a2f3-7372-85a6-3dc011ed9160" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f3-7de9-8389-c4e5aab6b60d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7de9-8389-c4e5aab6b60d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f3-7de9-8389-c4e5aab6b60d" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7de9-8389-c4e5aab6b60d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7971-8377-0bc29df79723" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f3-7de9-8389-c4e5aab6b60d" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7971-8377-0bc29df79723" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_HomeEquityLinesOfCreditAndOtherLinesOfCreditMember_019cb98b-a2f3-73de-a433-4d9d98519da5" xlink:href="schw-20260331.xsd#schw_HomeEquityLinesOfCreditAndOtherLinesOfCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7971-8377-0bc29df79723" xlink:to="loc_schw_HomeEquityLinesOfCreditAndOtherLinesOfCreditMember_019cb98b-a2f3-73de-a433-4d9d98519da5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FirstMortgageMember_019cb98b-a2f3-7b12-a5b0-99ba36595be7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FirstMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f3-7971-8377-0bc29df79723" xlink:to="loc_us-gaap_FirstMortgageMember_019cb98b-a2f3-7b12-a5b0-99ba36595be7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnusedCommitmentsToExtendCredit_019cb98b-a2f3-7429-a94d-e643fa32eb12" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnusedCommitmentsToExtendCredit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7525-91f6-8f778d284e56" xlink:to="loc_us-gaap_UnusedCommitmentsToExtendCredit_019cb98b-a2f3-7429-a94d-e643fa32eb12" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableCommitmentsToPurchase_019cb98b-a2f3-7280-ac97-568424a9645c" xlink:href="schw-20260331.xsd#schw_FinancingReceivableCommitmentsToPurchase"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7525-91f6-8f778d284e56" xlink:to="loc_schw_FinancingReceivableCommitmentsToPurchase_019cb98b-a2f3-7280-ac97-568424a9645c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FinancingReceivableCommitmentsToExtendCreditAndToPurchase_019cb98b-a2f3-74fe-b653-3acee5b34294" xlink:href="schw-20260331.xsd#schw_FinancingReceivableCommitmentsToExtendCreditAndToPurchase"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_019cb98b-a2f3-7525-91f6-8f778d284e56" xlink:to="loc_schw_FinancingReceivableCommitmentsToExtendCreditAndToPurchase_019cb98b-a2f3-74fe-b653-3acee5b34294" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/DerivativeInstrumentsandHedgingActivitiesNarrativeDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#DerivativeInstrumentsandHedgingActivitiesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/DerivativeInstrumentsandHedgingActivitiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-72c7-837f-a34e44389597" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f3-7531-be5d-02b91d0c1af4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-72c7-837f-a34e44389597" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f3-7531-be5d-02b91d0c1af4" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019ddee9-162d-7978-b8b0-a9bb388d7c35" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f3-7531-be5d-02b91d0c1af4" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019ddee9-162d-7978-b8b0-a9bb388d7c35" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019ddee9-162d-7978-b8b0-a9bb388d7c35_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019ddee9-162d-7978-b8b0-a9bb388d7c35" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019ddee9-162d-7978-b8b0-a9bb388d7c35_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019ddee9-417c-759d-b97f-8a028916b4e0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019ddee9-162d-7978-b8b0-a9bb388d7c35" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019ddee9-417c-759d-b97f-8a028916b4e0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_MarginLoansMember_019ddeea-cbea-70d2-ac8b-f1f078ca677c" xlink:href="schw-20260331.xsd#schw_MarginLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019ddee9-417c-759d-b97f-8a028916b4e0" xlink:to="loc_schw_MarginLoansMember_019ddeea-cbea-70d2-ac8b-f1f078ca677c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_PledgedAssetLinesPALsMember_019ddeec-36e7-78e7-bb3b-e7aa9a7b401d" xlink:href="schw-20260331.xsd#schw_PledgedAssetLinesPALsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019ddee9-417c-759d-b97f-8a028916b4e0" xlink:to="loc_schw_PledgedAssetLinesPALsMember_019ddeec-36e7-78e7-bb3b-e7aa9a7b401d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeniorNotesMember_019ddeec-78a0-7326-bbad-156dbba32fdc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeniorNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019ddee9-417c-759d-b97f-8a028916b4e0" xlink:to="loc_us-gaap_SeniorNotesMember_019ddeec-78a0-7326-bbad-156dbba32fdc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableforsaleSecuritiesMember_019ddeec-ce13-7c8a-806a-4b4c34ebf946" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AvailableforsaleSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019ddee9-417c-759d-b97f-8a028916b4e0" xlink:to="loc_us-gaap_AvailableforsaleSecuritiesMember_019ddeec-ce13-7c8a-806a-4b4c34ebf946" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_019cb98b-a2f3-7232-9042-ccfdb215d733" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f3-7531-be5d-02b91d0c1af4" xlink:to="loc_us-gaap_HedgingDesignationAxis_019cb98b-a2f3-7232-9042-ccfdb215d733" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019cb98b-a2f3-7232-9042-ccfdb215d733_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_019cb98b-a2f3-7232-9042-ccfdb215d733" xlink:to="loc_us-gaap_HedgingDesignationDomain_019cb98b-a2f3-7232-9042-ccfdb215d733_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019cb98b-a2f3-72b4-9f86-ccc94648ade6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_019cb98b-a2f3-7232-9042-ccfdb215d733" xlink:to="loc_us-gaap_HedgingDesignationDomain_019cb98b-a2f3-72b4-9f86-ccc94648ade6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019cb98b-a2f3-72db-a549-1eebe7be0ad5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_019cb98b-a2f3-72b4-9f86-ccc94648ade6" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019cb98b-a2f3-72db-a549-1eebe7be0ad5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f3-70cc-b31e-53f4e281bbb1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f3-7531-be5d-02b91d0c1af4" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f3-70cc-b31e-53f4e281bbb1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f3-70cc-b31e-53f4e281bbb1_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f3-70cc-b31e-53f4e281bbb1" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f3-70cc-b31e-53f4e281bbb1_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f3-7196-84fd-a4b60e596d80" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f3-70cc-b31e-53f4e281bbb1" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f3-7196-84fd-a4b60e596d80" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_019cb98b-a2f3-7f56-9ade-b660e8eebb96" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f3-7196-84fd-a4b60e596d80" xlink:to="loc_us-gaap_InterestRateSwapMember_019cb98b-a2f3-7f56-9ade-b660e8eebb96" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019cb98b-a2f3-78a0-8f32-8345b039b8a6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f3-7531-be5d-02b91d0c1af4" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019cb98b-a2f3-78a0-8f32-8345b039b8a6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_019cb98b-a2f3-78a0-8f32-8345b039b8a6_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019cb98b-a2f3-78a0-8f32-8345b039b8a6" xlink:to="loc_us-gaap_HedgingRelationshipDomain_019cb98b-a2f3-78a0-8f32-8345b039b8a6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_019cb98b-a2f4-7f14-aa6b-e76143596b36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019cb98b-a2f3-78a0-8f32-8345b039b8a6" xlink:to="loc_us-gaap_HedgingRelationshipDomain_019cb98b-a2f4-7f14-aa6b-e76143596b36" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember_019cb98b-a2f4-7a68-932b-c93c3d3b7a2b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_019cb98b-a2f4-7f14-aa6b-e76143596b36" xlink:to="loc_us-gaap_CashFlowHedgingMember_019cb98b-a2f4-7a68-932b-c93c3d3b7a2b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_019cb98b-a2f4-7a8b-9260-69eee06777d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_019cb98b-a2f4-7f14-aa6b-e76143596b36" xlink:to="loc_us-gaap_FairValueHedgingMember_019cb98b-a2f4-7a8b-9260-69eee06777d6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_019cb98b-a2f4-7314-8832-9445498fa597" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-72c7-837f-a34e44389597" xlink:to="loc_us-gaap_DerivativeNotionalAmount_019cb98b-a2f4-7314-8832-9445498fa597" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeUnderlyingInvestmentPrincipal_019ddeef-c670-70b2-89d3-8e2feb10660e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeUnderlyingInvestmentPrincipal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-72c7-837f-a34e44389597" xlink:to="loc_us-gaap_DerivativeUnderlyingInvestmentPrincipal_019ddeef-c670-70b2-89d3-8e2feb10660e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_019cb98b-a2f4-7a96-b767-c5b222d51189" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-72c7-837f-a34e44389597" xlink:to="loc_us-gaap_CashFlowHedgeGainLossToBeReclassifiedWithinTwelveMonths_019cb98b-a2f4-7a96-b767-c5b222d51189" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/DerivativeInstrumentsandHedgingActivitiesGrossFairValuesofDerivativesDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#DerivativeInstrumentsandHedgingActivitiesGrossFairValuesofDerivativesDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/DerivativeInstrumentsandHedgingActivitiesGrossFairValuesofDerivativesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems_019cb98b-a2f4-75a4-a889-1d96f9f85376" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_019cb98b-a2f4-78b3-9a9b-57f97322de84" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_019cb98b-a2f4-75a4-a889-1d96f9f85376" xlink:to="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_019cb98b-a2f4-78b3-9a9b-57f97322de84" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_019cb98b-a2f4-7a6c-9556-567f98573668" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_019cb98b-a2f4-78b3-9a9b-57f97322de84" xlink:to="loc_us-gaap_HedgingDesignationAxis_019cb98b-a2f4-7a6c-9556-567f98573668" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019cb98b-a2f4-7a6c-9556-567f98573668_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_019cb98b-a2f4-7a6c-9556-567f98573668" xlink:to="loc_us-gaap_HedgingDesignationDomain_019cb98b-a2f4-7a6c-9556-567f98573668_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019cb98b-a2f4-77af-81da-d9f3596b99a3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_019cb98b-a2f4-7a6c-9556-567f98573668" xlink:to="loc_us-gaap_HedgingDesignationDomain_019cb98b-a2f4-77af-81da-d9f3596b99a3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019cb98b-a2f4-7d41-95d4-dd7f693d23e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_019cb98b-a2f4-77af-81da-d9f3596b99a3" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019cb98b-a2f4-7d41-95d4-dd7f693d23e3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f4-7b80-b188-86f405e5ff4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_019cb98b-a2f4-78b3-9a9b-57f97322de84" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f4-7b80-b188-86f405e5ff4d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-7b80-b188-86f405e5ff4d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f4-7b80-b188-86f405e5ff4d" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-7b80-b188-86f405e5ff4d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-78ed-a2b9-25425b02246b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f4-7b80-b188-86f405e5ff4d" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-78ed-a2b9-25425b02246b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_019cb98b-a2f4-75e8-b402-79a8fe0ad175" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-78ed-a2b9-25425b02246b" xlink:to="loc_us-gaap_InterestRateSwapMember_019cb98b-a2f4-75e8-b402-79a8fe0ad175" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019cb98b-a2f4-7163-87f2-edf015611b75" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_019cb98b-a2f4-75a4-a889-1d96f9f85376" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019cb98b-a2f4-7163-87f2-edf015611b75" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019cb98b-a2f4-7cca-a51b-8dcea193332d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_019cb98b-a2f4-75a4-a889-1d96f9f85376" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019cb98b-a2f4-7cca-a51b-8dcea193332d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_VariationMarginSettlementDerivativeAssets_019cb98b-a2f4-7efd-9e44-631e4fe2534f" xlink:href="schw-20260331.xsd#schw_VariationMarginSettlementDerivativeAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_019cb98b-a2f4-75a4-a889-1d96f9f85376" xlink:to="loc_schw_VariationMarginSettlementDerivativeAssets_019cb98b-a2f4-7efd-9e44-631e4fe2534f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_VariationMarginSettlementDerivativeLiabilities_019cb98b-a2f4-7c03-b933-f1a2688d9d32" xlink:href="schw-20260331.xsd#schw_VariationMarginSettlementDerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_019cb98b-a2f4-75a4-a889-1d96f9f85376" xlink:to="loc_schw_VariationMarginSettlementDerivativeLiabilities_019cb98b-a2f4-7c03-b933-f1a2688d9d32" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/DerivativeInstrumentsandHedgingActivitiesFairValueHedgeDerivativesDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#DerivativeInstrumentsandHedgingActivitiesFairValueHedgeDerivativesDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/DerivativeInstrumentsandHedgingActivitiesFairValueHedgeDerivativesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7c29-a5f6-ba04cae6364d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-7e4c-bbaf-cfe3a8088464" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7c29-a5f6-ba04cae6364d" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-7e4c-bbaf-cfe3a8088464" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_019cb98b-a2f4-7638-a271-988fdec2ae77" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-7e4c-bbaf-cfe3a8088464" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_019cb98b-a2f4-7638-a271-988fdec2ae77" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019cb98b-a2f4-7638-a271-988fdec2ae77_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_019cb98b-a2f4-7638-a271-988fdec2ae77" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019cb98b-a2f4-7638-a271-988fdec2ae77_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019cb98b-a2f4-7fd5-bf3d-5cf46c05b04f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_019cb98b-a2f4-7638-a271-988fdec2ae77" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019cb98b-a2f4-7fd5-bf3d-5cf46c05b04f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_019cb98b-a2f4-7550-ac83-f0d5c915eec2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019cb98b-a2f4-7fd5-bf3d-5cf46c05b04f" xlink:to="loc_us-gaap_DebtSecuritiesMember_019cb98b-a2f4-7550-ac83-f0d5c915eec2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019df4fd-2f66-728b-84e0-8cb92556d3bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-7e4c-bbaf-cfe3a8088464" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019df4fd-2f66-728b-84e0-8cb92556d3bb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019df4fd-2f66-728b-84e0-8cb92556d3bb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019df4fd-2f66-728b-84e0-8cb92556d3bb" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019df4fd-2f66-728b-84e0-8cb92556d3bb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019df4fd-57f9-7637-abb6-fac5518cb3e6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019df4fd-2f66-728b-84e0-8cb92556d3bb" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019df4fd-57f9-7637-abb6-fac5518cb3e6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMember_019df4fc-1ccd-7661-80f0-483a5edf7d17" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019df4fd-57f9-7637-abb6-fac5518cb3e6" xlink:to="loc_us-gaap_LongTermDebtMember_019df4fc-1ccd-7661-80f0-483a5edf7d17" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedge_019cb98b-a2f4-7607-9e28-33152a99f09f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedAssetFairValueHedge"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7c29-a5f6-ba04cae6364d" xlink:to="loc_us-gaap_HedgedAssetFairValueHedge_019cb98b-a2f4-7607-9e28-33152a99f09f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityFairValueHedge_019cb98b-a2f4-7d08-8507-769fad6be09e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedLiabilityFairValueHedge"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7c29-a5f6-ba04cae6364d" xlink:to="loc_us-gaap_HedgedLiabilityFairValueHedge_019cb98b-a2f4-7d08-8507-769fad6be09e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_019cb98b-a2f4-71fd-a1c9-2f5ab8d052be" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7c29-a5f6-ba04cae6364d" xlink:to="loc_us-gaap_HedgedAssetFairValueHedgeCumulativeIncreaseDecrease_019cb98b-a2f4-71fd-a1c9-2f5ab8d052be" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecreaseExcludingDiscontinuedHedges_019cb98b-a2f4-76a6-af5c-7e8c83b9dbca" xlink:href="schw-20260331.xsd#schw_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecreaseExcludingDiscontinuedHedges"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7c29-a5f6-ba04cae6364d" xlink:to="loc_schw_HedgedLiabilityFairValueHedgeCumulativeIncreaseDecreaseExcludingDiscontinuedHedges_019cb98b-a2f4-76a6-af5c-7e8c83b9dbca" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepayableFinancialAssetClosedPortfolioLastOfLayerAmortizedCost_019cb98b-a2f4-7519-a976-56fbd4aef5a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrepayableFinancialAssetClosedPortfolioLastOfLayerAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7c29-a5f6-ba04cae6364d" xlink:to="loc_us-gaap_PrepayableFinancialAssetClosedPortfolioLastOfLayerAmortizedCost_019cb98b-a2f4-7519-a976-56fbd4aef5a5" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerAmount_019cb98b-a2f4-77fd-9f37-0ff81389b861" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedAssetFairValueHedgeLastOfLayerAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7c29-a5f6-ba04cae6364d" xlink:to="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerAmount_019cb98b-a2f4-77fd-9f37-0ff81389b861" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_019cb98b-a2f4-7d37-a2c1-e3c4c9b80576" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7c29-a5f6-ba04cae6364d" xlink:to="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_019cb98b-a2f4-7d37-a2c1-e3c4c9b80576" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease_019cb98b-a2f4-7082-846b-69779e2c13fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7c29-a5f6-ba04cae6364d" xlink:to="loc_us-gaap_HedgedAssetDiscontinuedFairValueHedgeCumulativeIncreaseDecrease_019cb98b-a2f4-7082-846b-69779e2c13fd" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedLiabilityDiscontinuedFairValueHedgeCumulativeIncreaseDecrease_019cb98b-a2f4-7c2f-815a-4b00a2346e8e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgedLiabilityDiscontinuedFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7c29-a5f6-ba04cae6364d" xlink:to="loc_us-gaap_HedgedLiabilityDiscontinuedFairValueHedgeCumulativeIncreaseDecrease_019cb98b-a2f4-7c2f-815a-4b00a2346e8e" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/DerivativeInstrumentsandHedgingActivitiesEffectofFairValueHedgeDerivativesDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#DerivativeInstrumentsandHedgingActivitiesEffectofFairValueHedgeDerivativesDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/DerivativeInstrumentsandHedgingActivitiesEffectofFairValueHedgeDerivativesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7919-8575-066ba89dc70b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-7537-95d4-f29017c486e0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7919-8575-066ba89dc70b" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-7537-95d4-f29017c486e0" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis_019cb98b-a2f4-7a2b-92d8-4772d85a68d0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-7537-95d4-f29017c486e0" xlink:to="loc_us-gaap_FairValueByAssetClassAxis_019cb98b-a2f4-7a2b-92d8-4772d85a68d0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019cb98b-a2f4-7a2b-92d8-4772d85a68d0_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_019cb98b-a2f4-7a2b-92d8-4772d85a68d0" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019cb98b-a2f4-7a2b-92d8-4772d85a68d0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019cb98b-a2f4-7763-822e-60614b5380b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByAssetClassAxis_019cb98b-a2f4-7a2b-92d8-4772d85a68d0" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019cb98b-a2f4-7763-822e-60614b5380b4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_DebtSecuritiesAndHedgedAvailableForSaleSecuritiesMember_019cb98b-a2f4-7dd1-8160-0dec76f8d416" xlink:href="schw-20260331.xsd#schw_DebtSecuritiesAndHedgedAvailableForSaleSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019cb98b-a2f4-7763-822e-60614b5380b4" xlink:to="loc_schw_DebtSecuritiesAndHedgedAvailableForSaleSecuritiesMember_019cb98b-a2f4-7dd1-8160-0dec76f8d416" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMember_019cb98b-a2f4-7128-8359-9abeeeece547" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_019cb98b-a2f4-7763-822e-60614b5380b4" xlink:to="loc_us-gaap_LongTermDebtMember_019cb98b-a2f4-7128-8359-9abeeeece547" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f4-714a-ae2b-9d1e575b81c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-7537-95d4-f29017c486e0" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f4-714a-ae2b-9d1e575b81c7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-714a-ae2b-9d1e575b81c7_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f4-714a-ae2b-9d1e575b81c7" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-714a-ae2b-9d1e575b81c7_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-7422-80a8-474953d4ec60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f4-714a-ae2b-9d1e575b81c7" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-7422-80a8-474953d4ec60" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_019cb98b-a2f4-734d-a536-f187a8bbb130" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-7422-80a8-474953d4ec60" xlink:to="loc_us-gaap_InterestRateSwapMember_019cb98b-a2f4-734d-a536-f187a8bbb130" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_019cb98b-a2f4-7699-b3c7-af4a0418c4d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-7537-95d4-f29017c486e0" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_019cb98b-a2f4-7699-b3c7-af4a0418c4d5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_019cb98b-a2f4-7699-b3c7-af4a0418c4d5_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_019cb98b-a2f4-7699-b3c7-af4a0418c4d5" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_019cb98b-a2f4-7699-b3c7-af4a0418c4d5_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_019cb98b-a2f4-71da-85f7-67d7fbb60ba5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_019cb98b-a2f4-7699-b3c7-af4a0418c4d5" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_019cb98b-a2f4-71da-85f7-67d7fbb60ba5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeMember_019cb98b-a2f4-7c43-96e3-740b3638da67" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_019cb98b-a2f4-71da-85f7-67d7fbb60ba5" xlink:to="loc_us-gaap_InterestIncomeMember_019cb98b-a2f4-7c43-96e3-740b3638da67" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseMember_019cb98b-a2f4-760e-8e5b-34fbd685346b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_019cb98b-a2f4-71da-85f7-67d7fbb60ba5" xlink:to="loc_us-gaap_InterestExpenseMember_019cb98b-a2f4-760e-8e5b-34fbd685346b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_019cb98b-a2f4-7640-8558-d32e0999dc39" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7919-8575-066ba89dc70b" xlink:to="loc_us-gaap_ChangeInUnrealizedGainLossOnHedgedItemInFairValueHedge1_019cb98b-a2f4-7640-8558-d32e0999dc39" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_019cb98b-a2f4-7c06-a9f3-df619c8652ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7919-8575-066ba89dc70b" xlink:to="loc_us-gaap_ChangeInUnrealizedGainLossOnFairValueHedgingInstruments1_019cb98b-a2f4-7c06-a9f3-df619c8652ab" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InterestIncomeFairValueHedgeDerivativeInstrumentIncreaseDecrease_019cb98b-a2f4-77b4-a20f-11dadd9de339" xlink:href="schw-20260331.xsd#schw_InterestIncomeFairValueHedgeDerivativeInstrumentIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7919-8575-066ba89dc70b" xlink:to="loc_schw_InterestIncomeFairValueHedgeDerivativeInstrumentIncreaseDecrease_019cb98b-a2f4-77b4-a20f-11dadd9de339" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InterestExpenseFairValueHedgeDerivativeInstrumentIncreaseDecrease_019cb98b-a2f4-7fa2-a343-eebd99b7207a" xlink:href="schw-20260331.xsd#schw_InterestExpenseFairValueHedgeDerivativeInstrumentIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7919-8575-066ba89dc70b" xlink:to="loc_schw_InterestExpenseFairValueHedgeDerivativeInstrumentIncreaseDecrease_019cb98b-a2f4-7fa2-a343-eebd99b7207a" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/DerivativeInstrumentsandHedgingActivitiesEffectofCashFlowHedgeDerivativesDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#DerivativeInstrumentsandHedgingActivitiesEffectofCashFlowHedgeDerivativesDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/DerivativeInstrumentsandHedgingActivitiesEffectofCashFlowHedgeDerivativesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7245-a8d3-b19f3a852a8a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-71ae-ae65-197aee4c58eb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7245-a8d3-b19f3a852a8a" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-71ae-ae65-197aee4c58eb" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019ddf39-f172-771b-a609-59c1e9f72aa4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-71ae-ae65-197aee4c58eb" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019ddf39-f172-771b-a609-59c1e9f72aa4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019ddf39-f172-771b-a609-59c1e9f72aa4_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019ddf39-f172-771b-a609-59c1e9f72aa4" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019ddf39-f172-771b-a609-59c1e9f72aa4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019ddf3a-2c00-71d3-8131-efb5d6436fd9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019ddf39-f172-771b-a609-59c1e9f72aa4" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019ddf3a-2c00-71d3-8131-efb5d6436fd9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_019ddf39-455c-70c5-87dc-df82f555b62d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019ddf3a-2c00-71d3-8131-efb5d6436fd9" xlink:to="loc_us-gaap_InterestRateSwapMember_019ddf39-455c-70c5-87dc-df82f555b62d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019d9681-4413-7981-b523-201ab589fdfc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_019cb98b-a2f4-71ae-ae65-197aee4c58eb" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019d9681-4413-7981-b523-201ab589fdfc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019d9681-4413-7981-b523-201ab589fdfc_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019d9681-4413-7981-b523-201ab589fdfc" xlink:to="loc_us-gaap_EquityComponentDomain_019d9681-4413-7981-b523-201ab589fdfc_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019d9681-68a4-79b4-9417-783db7bdfe8d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019d9681-4413-7981-b523-201ab589fdfc" xlink:to="loc_us-gaap_EquityComponentDomain_019d9681-68a4-79b4-9417-783db7bdfe8d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_019d9681-9af4-784a-b3d8-3a87de08b937" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019d9681-68a4-79b4-9417-783db7bdfe8d" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_019d9681-9af4-784a-b3d8-3a87de08b937" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019d967f-5524-71c0-956d-0c7ac3b4df0e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AOCIAttributableToParentNetOfTaxRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_019cb98b-a2f4-7245-a8d3-b19f3a852a8a" xlink:to="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019d967f-5524-71c0-956d-0c7ac3b4df0e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019d967f-b31f-79ba-a9f1-7c41bf0fa0c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019d967f-5524-71c0-956d-0c7ac3b4df0e" xlink:to="loc_us-gaap_StockholdersEquity_019d967f-b31f-79ba-a9f1-7c41bf0fa0c5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_019d9680-6b78-73fc-b530-c47c20bbdb18" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019d967f-5524-71c0-956d-0c7ac3b4df0e" xlink:to="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_019d9680-6b78-73fc-b530-c47c20bbdb18" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_019d9680-a4c0-70f8-b401-a54237d01598" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019d967f-5524-71c0-956d-0c7ac3b4df0e" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_019d9680-a4c0-70f8-b401-a54237d01598" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019d967f-df38-72ea-8d65-8c652f285b8e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/FinancialInstrumentsSubjecttoOffBalanceSheetCreditRiskNarrativeDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#FinancialInstrumentsSubjecttoOffBalanceSheetCreditRiskNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/FinancialInstrumentsSubjecttoOffBalanceSheetCreditRiskNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_019cb98b-a2f4-7f0a-a02b-fa8d6c82c95f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_019cb98b-a2f4-7a88-a472-8e37f76ceb6b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_019cb98b-a2f4-7f0a-a02b-fa8d6c82c95f" xlink:to="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_019cb98b-a2f4-7a88-a472-8e37f76ceb6b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionAxis_019cb98b-a2f4-75a5-bdbd-3d00a27352f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesFinancingTransactionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_019cb98b-a2f4-7a88-a472-8e37f76ceb6b" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionAxis_019cb98b-a2f4-75a5-bdbd-3d00a27352f3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-75a5-bdbd-3d00a27352f3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesFinancingTransactionTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionAxis_019cb98b-a2f4-75a5-bdbd-3d00a27352f3" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-75a5-bdbd-3d00a27352f3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-7b5a-9556-6fe616428b6f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesFinancingTransactionTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionAxis_019cb98b-a2f4-75a5-bdbd-3d00a27352f3" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-7b5a-9556-6fe616428b6f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionFairValueMember_019cb98b-a2f4-7dec-a827-e22fe856a35c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesFinancingTransactionFairValueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-7b5a-9556-6fe616428b6f" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionFairValueMember_019cb98b-a2f4-7dec-a827-e22fe856a35c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FairValueOfSecuritiesBorrowed_019cb98b-a2f4-7333-b22a-846296b25bec" xlink:href="schw-20260331.xsd#schw_FairValueOfSecuritiesBorrowed"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_019cb98b-a2f4-7f0a-a02b-fa8d6c82c95f" xlink:to="loc_schw_FairValueOfSecuritiesBorrowed_019cb98b-a2f4-7333-b22a-846296b25bec" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/FinancialInstrumentsSubjecttoOffBalanceSheetCreditRiskOffsettingAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#FinancialInstrumentsSubjecttoOffBalanceSheetCreditRiskOffsettingAssetsandLiabilitiesDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/FinancialInstrumentsSubjecttoOffBalanceSheetCreditRiskOffsettingAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsLineItems_019cb98b-a2f4-73e3-81d7-2385db1650e0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingAssetsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsTable_019cb98b-a2f4-7fe9-87fe-1c8862cdcc51" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingAssetsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_019cb98b-a2f4-73e3-81d7-2385db1650e0" xlink:to="loc_us-gaap_OffsettingAssetsTable_019cb98b-a2f4-7fe9-87fe-1c8862cdcc51" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f4-72f8-831a-cc3eecef1060" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OffsettingAssetsTable_019cb98b-a2f4-7fe9-87fe-1c8862cdcc51" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f4-72f8-831a-cc3eecef1060" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-72f8-831a-cc3eecef1060_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f4-72f8-831a-cc3eecef1060" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-72f8-831a-cc3eecef1060_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-7b26-818c-afad47b50992" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019cb98b-a2f4-72f8-831a-cc3eecef1060" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-7b26-818c-afad47b50992" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_019cb98b-a2f4-756a-a1f2-e3157e7efcb8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019cb98b-a2f4-7b26-818c-afad47b50992" xlink:to="loc_us-gaap_InterestRateSwapMember_019cb98b-a2f4-756a-a1f2-e3157e7efcb8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionAxis_019cb98b-a2f4-73e6-af2b-8efaa6b74c2f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesFinancingTransactionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OffsettingAssetsTable_019cb98b-a2f4-7fe9-87fe-1c8862cdcc51" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionAxis_019cb98b-a2f4-73e6-af2b-8efaa6b74c2f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-73e6-af2b-8efaa6b74c2f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesFinancingTransactionTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionAxis_019cb98b-a2f4-73e6-af2b-8efaa6b74c2f" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-73e6-af2b-8efaa6b74c2f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-75b1-94b7-5f8ccee9aab1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesFinancingTransactionTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionAxis_019cb98b-a2f4-73e6-af2b-8efaa6b74c2f" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-75b1-94b7-5f8ccee9aab1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_ResaleAndRepurchaseAgreementsMember_019cb98b-a2f4-73e3-b9df-30f7c4a16b43" xlink:href="schw-20260331.xsd#schw_ResaleAndRepurchaseAgreementsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-75b1-94b7-5f8ccee9aab1" xlink:to="loc_schw_ResaleAndRepurchaseAgreementsMember_019cb98b-a2f4-73e3-b9df-30f7c4a16b43" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgingPurposeAxis_019cb98b-a2f4-7326-9cf1-8638d9cefd69" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgingPurposeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OffsettingAssetsTable_019cb98b-a2f4-7fe9-87fe-1c8862cdcc51" xlink:to="loc_us-gaap_PledgingPurposeAxis_019cb98b-a2f4-7326-9cf1-8638d9cefd69" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgingPurposeDomain_019cb98b-a2f4-7326-9cf1-8638d9cefd69_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgingPurposeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PledgingPurposeAxis_019cb98b-a2f4-7326-9cf1-8638d9cefd69" xlink:to="loc_us-gaap_PledgingPurposeDomain_019cb98b-a2f4-7326-9cf1-8638d9cefd69_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgingPurposeDomain_019cb98b-a2f4-7ead-8562-28a56ccda581" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgingPurposeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PledgingPurposeAxis_019cb98b-a2f4-7326-9cf1-8638d9cefd69" xlink:to="loc_us-gaap_PledgingPurposeDomain_019cb98b-a2f4-7ead-8562-28a56ccda581" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_019cb98b-a2f4-7b19-8853-e7c1aff9217b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PledgingPurposeDomain_019cb98b-a2f4-7ead-8562-28a56ccda581" xlink:to="loc_us-gaap_InterestRateSwapMember_019cb98b-a2f4-7b19-8853-e7c1aff9217b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_019cb98b-a2f4-7dff-8d04-dd4497f151b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PledgingPurposeDomain_019cb98b-a2f4-7ead-8562-28a56ccda581" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_019cb98b-a2f4-7dff-8d04-dd4497f151b9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_019cb98b-a2f4-7620-a1ea-07d1e9f54fbe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OffsettingAssetsTable_019cb98b-a2f4-7fe9-87fe-1c8862cdcc51" xlink:to="loc_us-gaap_PledgedStatusAxis_019cb98b-a2f4-7620-a1ea-07d1e9f54fbe" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019cb98b-a2f4-7620-a1ea-07d1e9f54fbe_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PledgedStatusAxis_019cb98b-a2f4-7620-a1ea-07d1e9f54fbe" xlink:to="loc_us-gaap_PledgedStatusDomain_019cb98b-a2f4-7620-a1ea-07d1e9f54fbe_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019cb98b-a2f4-7b9c-9f69-5c7c4d5f2a47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PledgedStatusAxis_019cb98b-a2f4-7620-a1ea-07d1e9f54fbe" xlink:to="loc_us-gaap_PledgedStatusDomain_019cb98b-a2f4-7b9c-9f69-5c7c4d5f2a47" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_019cb98b-a2f4-7da6-aa9c-195dc0a3d692" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PledgedStatusDomain_019cb98b-a2f4-7b9c-9f69-5c7c4d5f2a47" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_019cb98b-a2f4-7da6-aa9c-195dc0a3d692" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_019cb98b-a2f4-743b-89ff-4d4d494c8a52" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OffsettingAssetsTable_019cb98b-a2f4-7fe9-87fe-1c8862cdcc51" xlink:to="loc_us-gaap_DebtInstrumentAxis_019cb98b-a2f4-743b-89ff-4d4d494c8a52" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f4-743b-89ff-4d4d494c8a52_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_019cb98b-a2f4-743b-89ff-4d4d494c8a52" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f4-743b-89ff-4d4d494c8a52_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f4-7dde-911b-7b6ab5920123" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_019cb98b-a2f4-743b-89ff-4d4d494c8a52" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f4-7dde-911b-7b6ab5920123" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SecuredUncommittedLinesOfCreditMember_019cb98b-a2f4-75d7-a3ac-f3a1334ae6ad" xlink:href="schw-20260331.xsd#schw_SecuredUncommittedLinesOfCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_019cb98b-a2f4-7dde-911b-7b6ab5920123" xlink:to="loc_schw_SecuredUncommittedLinesOfCreditMember_019cb98b-a2f4-75d7-a3ac-f3a1334ae6ad" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019cb98b-a2f4-7f00-ac86-23cfe37ca552" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OffsettingAssetsTable_019cb98b-a2f4-7fe9-87fe-1c8862cdcc51" xlink:to="loc_srt_RangeAxis_019cb98b-a2f4-7f00-ac86-23cfe37ca552" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019cb98b-a2f4-7f00-ac86-23cfe37ca552_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_019cb98b-a2f4-7f00-ac86-23cfe37ca552" xlink:to="loc_srt_RangeMember_019cb98b-a2f4-7f00-ac86-23cfe37ca552_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019cb98b-a2f4-7593-937f-2a9d18c7f79b" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_019cb98b-a2f4-7f00-ac86-23cfe37ca552" xlink:to="loc_srt_RangeMember_019cb98b-a2f4-7593-937f-2a9d18c7f79b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019cb98b-a2f4-73fa-a227-433480365751" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_019cb98b-a2f4-7593-937f-2a9d18c7f79b" xlink:to="loc_srt_MinimumMember_019cb98b-a2f4-73fa-a227-433480365751" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019cb98b-a2f4-775c-b78f-2c5031cb6d90" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_019cb98b-a2f4-7593-937f-2a9d18c7f79b" xlink:to="loc_srt_MaximumMember_019cb98b-a2f4-775c-b78f-2c5031cb6d90" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis_019cb98b-a2f4-70f6-bd0a-8a5ab9500391" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OffsettingAssetsTable_019cb98b-a2f4-7fe9-87fe-1c8862cdcc51" xlink:to="loc_us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis_019cb98b-a2f4-70f6-bd0a-8a5ab9500391" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodDomain_019cb98b-a2f4-70f6-bd0a-8a5ab9500391_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis_019cb98b-a2f4-70f6-bd0a-8a5ab9500391" xlink:to="loc_us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodDomain_019cb98b-a2f4-70f6-bd0a-8a5ab9500391_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodDomain_019cb98b-a2f4-7487-b4ba-b80cff1ab49f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodsAxis_019cb98b-a2f4-70f6-bd0a-8a5ab9500391" xlink:to="loc_us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodDomain_019cb98b-a2f4-7487-b4ba-b80cff1ab49f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MaturityOvernightAndOnDemandMember_019cb98b-a2f4-7b0e-b71e-f047391e9aad" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MaturityOvernightAndOnDemandMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodDomain_019cb98b-a2f4-7487-b4ba-b80cff1ab49f" xlink:to="loc_us-gaap_MaturityOvernightAndOnDemandMember_019cb98b-a2f4-7b0e-b71e-f047391e9aad" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_Maturity35To95DaysMember_019cb98b-a2f4-7aaa-948a-6e69e0adf999" xlink:href="schw-20260331.xsd#schw_Maturity35To95DaysMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsSoldUnderAgreementsToRepurchaseMaturityPeriodDomain_019cb98b-a2f4-7487-b4ba-b80cff1ab49f" xlink:to="loc_schw_Maturity35To95DaysMember_019cb98b-a2f4-7aaa-948a-6e69e0adf999" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019cb98b-a2f4-7ab0-8699-f1a41fbad435" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingDerivativeAssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_019cb98b-a2f4-73e3-81d7-2385db1650e0" xlink:to="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019cb98b-a2f4-7ab0-8699-f1a41fbad435" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_019cb98b-a2f4-7e7e-9cdc-f8517bb0c805" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019cb98b-a2f4-7ab0-8699-f1a41fbad435" xlink:to="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_019cb98b-a2f4-7e7e-9cdc-f8517bb0c805" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellGross_019cb98b-a2f4-72a7-9898-af42e6ff6397" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_019cb98b-a2f4-7e7e-9cdc-f8517bb0c805" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellGross_019cb98b-a2f4-72a7-9898-af42e6ff6397" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellLiability_019cb98b-a2f4-7c79-b516-5efb995712c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_019cb98b-a2f4-7e7e-9cdc-f8517bb0c805" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellLiability_019cb98b-a2f4-7c79-b516-5efb995712c1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_019cb98b-a2f4-7cc9-abc7-bd9257a4509e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResell"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_019cb98b-a2f4-7e7e-9cdc-f8517bb0c805" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResell_019cb98b-a2f4-7cc9-abc7-bd9257a4509e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnSecurities_019cb98b-a2f4-7009-8875-0bf9e2e7c731" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_019cb98b-a2f4-7e7e-9cdc-f8517bb0c805" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnSecurities_019cb98b-a2f4-7009-8875-0bf9e2e7c731" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnCash_019cb98b-a2f4-737f-a51a-ae95125c82fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_019cb98b-a2f4-7e7e-9cdc-f8517bb0c805" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellCollateralObligationToReturnCash_019cb98b-a2f4-737f-a51a-ae95125c82fa" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral_019cb98b-a2f4-71fa-a07a-70a1b04aff90" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesPurchasedUnderAgreementsToResellAbstract_019cb98b-a2f4-7e7e-9cdc-f8517bb0c805" xlink:to="loc_us-gaap_SecuritiesPurchasedUnderAgreementsToResellAmountOffsetAgainstCollateral_019cb98b-a2f4-71fa-a07a-70a1b04aff90" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_019cb98b-a2f4-74fc-b367-b343eb17218c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingSecuritiesBorrowedAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019cb98b-a2f4-7ab0-8699-f1a41fbad435" xlink:to="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_019cb98b-a2f4-74fc-b367-b343eb17218c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedGross_019cb98b-a2f4-7aca-9abc-87183130f1de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_019cb98b-a2f4-74fc-b367-b343eb17218c" xlink:to="loc_us-gaap_SecuritiesBorrowedGross_019cb98b-a2f4-7aca-9abc-87183130f1de" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedLiability_019cb98b-a2f4-76f9-ad0c-3aac4e97e62e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_019cb98b-a2f4-74fc-b367-b343eb17218c" xlink:to="loc_us-gaap_SecuritiesBorrowedLiability_019cb98b-a2f4-76f9-ad0c-3aac4e97e62e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowed_019cb98b-a2f4-7da8-bd5c-02e36f94a7f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowed"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_019cb98b-a2f4-74fc-b367-b343eb17218c" xlink:to="loc_us-gaap_SecuritiesBorrowed_019cb98b-a2f4-7da8-bd5c-02e36f94a7f4" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedCollateralObligationToReturnSecurities_019cb98b-a2f4-7f4e-8478-d3c73461bad6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedCollateralObligationToReturnSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_019cb98b-a2f4-74fc-b367-b343eb17218c" xlink:to="loc_us-gaap_SecuritiesBorrowedCollateralObligationToReturnSecurities_019cb98b-a2f4-7f4e-8478-d3c73461bad6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedCollateralObligationToReturnCash_019cb98b-a2f4-72ae-8412-7927ac0578db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedCollateralObligationToReturnCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_019cb98b-a2f4-74fc-b367-b343eb17218c" xlink:to="loc_us-gaap_SecuritiesBorrowedCollateralObligationToReturnCash_019cb98b-a2f4-72ae-8412-7927ac0578db" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral_019cb98b-a2f4-7744-891d-b9915000f982" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesBorrowedAbstract_019cb98b-a2f4-74fc-b367-b343eb17218c" xlink:to="loc_us-gaap_SecuritiesBorrowedAmountOffsetAgainstCollateral_019cb98b-a2f4-7744-891d-b9915000f982" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7c5c-b8ae-f5e331c181a2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019cb98b-a2f4-7ab0-8699-f1a41fbad435" xlink:to="loc_us-gaap_DerivativeAssetFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7c5c-b8ae-f5e331c181a2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019cb98b-a2f4-7fa8-80ce-a4bf32f52478" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7c5c-b8ae-f5e331c181a2" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019cb98b-a2f4-7fa8-80ce-a4bf32f52478" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability_019cb98b-a2f4-7941-8f59-9c8c27882aec" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7c5c-b8ae-f5e331c181a2" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiability_019cb98b-a2f4-7941-8f59-9c8c27882aec" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019cb98b-a2f4-753c-b85a-1de5d8d2ea4a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7c5c-b8ae-f5e331c181a2" xlink:to="loc_us-gaap_DerivativeAssets_019cb98b-a2f4-753c-b85a-1de5d8d2ea4a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_019cb98b-a2f4-7590-9118-773bc288f213" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralObligationToReturnSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7c5c-b8ae-f5e331c181a2" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_019cb98b-a2f4-7590-9118-773bc288f213" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnCash_019cb98b-a2f4-7d3b-a835-e1265a223443" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralObligationToReturnCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7c5c-b8ae-f5e331c181a2" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnCash_019cb98b-a2f4-7d3b-a835-e1265a223443" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangement_019cb98b-a2f4-79d7-b16f-7924cd181c52" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7c5c-b8ae-f5e331c181a2" xlink:to="loc_us-gaap_DerivativeAssetFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangement_019cb98b-a2f4-79d7-b16f-7924cd181c52" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross_019cb98b-a2f4-7c28-b3ee-7902a47ffd95" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019cb98b-a2f4-7ab0-8699-f1a41fbad435" xlink:to="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedGross_019cb98b-a2f4-7c28-b3ee-7902a47ffd95" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability_019cb98b-a2f4-7146-b02e-ca8370f4ddc9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019cb98b-a2f4-7ab0-8699-f1a41fbad435" xlink:to="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedLiability_019cb98b-a2f4-7146-b02e-ca8370f4ddc9" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowed_019cb98b-a2f4-7505-9968-b5ec53761fdb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowed"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019cb98b-a2f4-7ab0-8699-f1a41fbad435" xlink:to="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowed_019cb98b-a2f4-7505-9968-b5ec53761fdb" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities_019cb98b-a2f4-7b03-a748-e41291e35fc7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019cb98b-a2f4-7ab0-8699-f1a41fbad435" xlink:to="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnSecurities_019cb98b-a2f4-7b03-a748-e41291e35fc7" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnCash_019cb98b-a2f4-7564-906a-844b65a23c43" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019cb98b-a2f4-7ab0-8699-f1a41fbad435" xlink:to="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedCollateralObligationToReturnCash_019cb98b-a2f4-7564-906a-844b65a23c43" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedAmountOffsetAgainstCollateral_019cb98b-a2f4-743b-a6ca-10419f8b6586" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedAmountOffsetAgainstCollateral"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeAssetsAbstract_019cb98b-a2f4-7ab0-8699-f1a41fbad435" xlink:to="loc_us-gaap_DerivativeAssetSecuritiesPurchasedUnderAgreementsToResellSecuritiesBorrowedAmountOffsetAgainstCollateral_019cb98b-a2f4-743b-a6ca-10419f8b6586" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019cb98b-a2f4-7e83-9469-0bd7587f1cd0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingDerivativeLiabilitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_019cb98b-a2f4-73e3-81d7-2385db1650e0" xlink:to="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019cb98b-a2f4-7e83-9469-0bd7587f1cd0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingSecuritiesSoldUnderAgreementsToResellAbstract_019cb98b-a2f4-738c-8975-77e8e3ef0475" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingSecuritiesSoldUnderAgreementsToResellAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019cb98b-a2f4-7e83-9469-0bd7587f1cd0" xlink:to="loc_us-gaap_OffsettingSecuritiesSoldUnderAgreementsToResellAbstract_019cb98b-a2f4-738c-8975-77e8e3ef0475" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross_019cb98b-a2f4-793f-8961-516f946f7c4c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesSoldUnderAgreementsToResellAbstract_019cb98b-a2f4-738c-8975-77e8e3ef0475" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross_019cb98b-a2f4-793f-8961-516f946f7c4c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset_019cb98b-a2f4-73fd-a27a-20c26b02c6fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesSoldUnderAgreementsToResellAbstract_019cb98b-a2f4-738c-8975-77e8e3ef0475" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset_019cb98b-a2f4-73fd-a27a-20c26b02c6fb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019cb98b-a2f4-77be-a9fb-ee5e18d7177a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesSoldUnderAgreementsToResellAbstract_019cb98b-a2f4-738c-8975-77e8e3ef0475" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019cb98b-a2f4-77be-a9fb-ee5e18d7177a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities_019cb98b-a2f4-7e51-9596-d1ed42f0dccf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesSoldUnderAgreementsToResellAbstract_019cb98b-a2f4-738c-8975-77e8e3ef0475" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities_019cb98b-a2f4-7e51-9596-d1ed42f0dccf" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimCash_019cb98b-a2f4-7c33-a503-5765bd0d06d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesSoldUnderAgreementsToResellAbstract_019cb98b-a2f4-738c-8975-77e8e3ef0475" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimCash_019cb98b-a2f4-7c33-a503-5765bd0d06d4" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral_019cb98b-a2f4-7892-87ea-ca408e8a223a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesSoldUnderAgreementsToResellAbstract_019cb98b-a2f4-738c-8975-77e8e3ef0475" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral_019cb98b-a2f4-7892-87ea-ca408e8a223a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_019cb98b-a2f4-7626-8f71-957a4621d3f9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingSecuritiesLoanedAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019cb98b-a2f4-7e83-9469-0bd7587f1cd0" xlink:to="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_019cb98b-a2f4-7626-8f71-957a4621d3f9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedGross_019cb98b-a2f4-7dc2-83f3-07b77b237e36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_019cb98b-a2f4-7626-8f71-957a4621d3f9" xlink:to="loc_us-gaap_SecuritiesLoanedGross_019cb98b-a2f4-7dc2-83f3-07b77b237e36" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAsset_019cb98b-a2f4-7720-8332-c6942cbb6338" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_019cb98b-a2f4-7626-8f71-957a4621d3f9" xlink:to="loc_us-gaap_SecuritiesLoanedAsset_019cb98b-a2f4-7720-8332-c6942cbb6338" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoaned_019cb98b-a2f4-7fe9-8ba1-087a3c1445db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoaned"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_019cb98b-a2f4-7626-8f71-957a4621d3f9" xlink:to="loc_us-gaap_SecuritiesLoaned_019cb98b-a2f4-7fe9-8ba1-087a3c1445db" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimSecurities_019cb98b-a2f4-7bca-9a31-4e9fa8dca582" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedCollateralRightToReclaimSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_019cb98b-a2f4-7626-8f71-957a4621d3f9" xlink:to="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimSecurities_019cb98b-a2f4-7bca-9a31-4e9fa8dca582" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_019cb98b-a2f4-757a-9392-59e9c60e1697" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedCollateralRightToReclaimCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_019cb98b-a2f4-7626-8f71-957a4621d3f9" xlink:to="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_019cb98b-a2f4-757a-9392-59e9c60e1697" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_019cb98b-a2f4-71ce-ab08-859bef0a1214" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingSecuritiesLoanedAbstract_019cb98b-a2f4-7626-8f71-957a4621d3f9" xlink:to="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_019cb98b-a2f4-71ce-ab08-859bef0a1214" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OffsettingOtherShortTermBorrowingsAbstract_019cb98b-a2f4-758d-9e2f-978c94af25d6" xlink:href="schw-20260331.xsd#schw_OffsettingOtherShortTermBorrowingsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019cb98b-a2f4-7e83-9469-0bd7587f1cd0" xlink:to="loc_schw_OffsettingOtherShortTermBorrowingsAbstract_019cb98b-a2f4-758d-9e2f-978c94af25d6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementBeforeOffset_019cb98b-a2f4-736c-aa15-4938e80983ee" xlink:href="schw-20260331.xsd#schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementBeforeOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_OffsettingOtherShortTermBorrowingsAbstract_019cb98b-a2f4-758d-9e2f-978c94af25d6" xlink:to="loc_schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementBeforeOffset_019cb98b-a2f4-736c-aa15-4938e80983ee" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementAssetOffset_019cb98b-a2f4-7d31-bf2d-2eadec5e5088" xlink:href="schw-20260331.xsd#schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementAssetOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_OffsettingOtherShortTermBorrowingsAbstract_019cb98b-a2f4-758d-9e2f-978c94af25d6" xlink:to="loc_schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementAssetOffset_019cb98b-a2f4-7d31-bf2d-2eadec5e5088" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherShortTermBorrowings_019cb98b-a2f4-7b40-9a59-1b657297d7aa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherShortTermBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_OffsettingOtherShortTermBorrowingsAbstract_019cb98b-a2f4-758d-9e2f-978c94af25d6" xlink:to="loc_us-gaap_OtherShortTermBorrowings_019cb98b-a2f4-7b40-9a59-1b657297d7aa" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementCollateralRightToReclaimSecurityNotOffset_019cb98b-a2f4-79c5-a8a7-65b0d889cf56" xlink:href="schw-20260331.xsd#schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementCollateralRightToReclaimSecurityNotOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_OffsettingOtherShortTermBorrowingsAbstract_019cb98b-a2f4-758d-9e2f-978c94af25d6" xlink:to="loc_schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementCollateralRightToReclaimSecurityNotOffset_019cb98b-a2f4-79c5-a8a7-65b0d889cf56" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementCollateralRightToReclaimCashNotOffset_019cb98b-a2f4-7ece-8821-1cff5a189974" xlink:href="schw-20260331.xsd#schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementCollateralRightToReclaimCashNotOffset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_OffsettingOtherShortTermBorrowingsAbstract_019cb98b-a2f4-758d-9e2f-978c94af25d6" xlink:to="loc_schw_OtherShortTermBorrowingsSubjectToMasterNettingArrangementCollateralRightToReclaimCashNotOffset_019cb98b-a2f4-7ece-8821-1cff5a189974" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherShortTermBorrowingsIncludingNotSubjectToMasterNettingArrangementAfterOffsetAndDeduction_019cb98b-a2f4-7784-9c47-f76e070cce6b" xlink:href="schw-20260331.xsd#schw_OtherShortTermBorrowingsIncludingNotSubjectToMasterNettingArrangementAfterOffsetAndDeduction"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_OffsettingOtherShortTermBorrowingsAbstract_019cb98b-a2f4-758d-9e2f-978c94af25d6" xlink:to="loc_schw_OtherShortTermBorrowingsIncludingNotSubjectToMasterNettingArrangementAfterOffsetAndDeduction_019cb98b-a2f4-7784-9c47-f76e070cce6b" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7d72-a5ae-1db1b710ccbf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019cb98b-a2f4-7e83-9469-0bd7587f1cd0" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7d72-a5ae-1db1b710ccbf" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019cb98b-a2f4-74dd-9072-44d96387e616" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7d72-a5ae-1db1b710ccbf" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019cb98b-a2f4-74dd-9072-44d96387e616" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_019cb98b-a2f4-7ea6-bd38-d01371e5aff5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7d72-a5ae-1db1b710ccbf" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_019cb98b-a2f4-7ea6-bd38-d01371e5aff5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019cb98b-a2f4-76da-85eb-ad291afbdaa9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7d72-a5ae-1db1b710ccbf" xlink:to="loc_us-gaap_DerivativeLiabilities_019cb98b-a2f4-76da-85eb-ad291afbdaa9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities_019cb98b-a2f4-79cd-b31a-5a7c97b50d18" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralRightToReclaimSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7d72-a5ae-1db1b710ccbf" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities_019cb98b-a2f4-79cd-b31a-5a7c97b50d18" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_019cb98b-a2f4-78ef-a582-9741dedfd9ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7d72-a5ae-1db1b710ccbf" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_019cb98b-a2f4-78ef-a582-9741dedfd9ab" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangement_019cb98b-a2f4-743b-aecc-aed5ea82162e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_019cb98b-a2f4-7d72-a5ae-1db1b710ccbf" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueAfterOffsetAndDeductionSubjectToMasterNettingArrangement_019cb98b-a2f4-743b-aecc-aed5ea82162e" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_019cb98b-a2f4-7e77-afb2-f9e5b07c8243" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019cb98b-a2f4-7e83-9469-0bd7587f1cd0" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_019cb98b-a2f4-7e77-afb2-f9e5b07c8243" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_019cb98b-a2f4-7a19-b36b-1da7e9eb3dc0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019cb98b-a2f4-7e83-9469-0bd7587f1cd0" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_019cb98b-a2f4-7a19-b36b-1da7e9eb3dc0" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_019cb98b-a2f4-7430-bb92-2c7b5be9d0ff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019cb98b-a2f4-7e83-9469-0bd7587f1cd0" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_019cb98b-a2f4-7430-bb92-2c7b5be9d0ff" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities_019cb98b-a2f4-7859-9643-5410323026d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019cb98b-a2f4-7e83-9469-0bd7587f1cd0" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimSecurities_019cb98b-a2f4-7859-9643-5410323026d3" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_019cb98b-a2f4-73e4-b517-a457f8e4e052" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019cb98b-a2f4-7e83-9469-0bd7587f1cd0" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_019cb98b-a2f4-73e4-b517-a457f8e4e052" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_019cb98b-a2f4-705c-9616-14576b831fd9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingDerivativeLiabilitiesAbstract_019cb98b-a2f4-7e83-9469-0bd7587f1cd0" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_019cb98b-a2f4-705c-9616-14576b831fd9" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_019cb98b-a2f4-7431-9086-700b6da390d1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_019cb98b-a2f4-73e3-81d7-2385db1650e0" xlink:to="loc_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_019cb98b-a2f4-7431-9086-700b6da390d1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a2f4-7bf7-a975-b675f3610b41" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_019cb98b-a2f4-73e3-81d7-2385db1650e0" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a2f4-7bf7-a975-b675f3610b41" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SecuritySoldUnderAgreementToRepurchaseMaturityPeriod_019d40dc-a194-7fd6-88bb-a2ca9ff6fd95" xlink:href="schw-20260331.xsd#schw_SecuritySoldUnderAgreementToRepurchaseMaturityPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_019cb98b-a2f4-73e3-81d7-2385db1650e0" xlink:to="loc_schw_SecuritySoldUnderAgreementToRepurchaseMaturityPeriod_019d40dc-a194-7fd6-88bb-a2ca9ff6fd95" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecurityOwnedAndPledgedAsCollateralAssociatedLiabilitiesFairValue_019cb98b-a2f4-71f9-b0cd-437818e3e1d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecurityOwnedAndPledgedAsCollateralAssociatedLiabilitiesFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_019cb98b-a2f4-73e3-81d7-2385db1650e0" xlink:to="loc_us-gaap_SecurityOwnedAndPledgedAsCollateralAssociatedLiabilitiesFairValue_019cb98b-a2f4-71f9-b0cd-437818e3e1d7" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SecuritiesLoanedRemainingContractualMaturityTerm_019cb98b-a2f4-77ad-a512-880dfb33a9f1" xlink:href="schw-20260331.xsd#schw_SecuritiesLoanedRemainingContractualMaturityTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_019cb98b-a2f4-73e3-81d7-2385db1650e0" xlink:to="loc_schw_SecuritiesLoanedRemainingContractualMaturityTerm_019cb98b-a2f4-77ad-a512-880dfb33a9f1" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/FinancialInstrumentsSubjecttoOffBalanceSheetCreditRiskSummaryoftheFairValueofClientSecuritiesAvailabletoUtilizeasCollateralandAmountsPledgedDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#FinancialInstrumentsSubjecttoOffBalanceSheetCreditRiskSummaryoftheFairValueofClientSecuritiesAvailabletoUtilizeasCollateralandAmountsPledgedDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/FinancialInstrumentsSubjecttoOffBalanceSheetCreditRiskSummaryoftheFairValueofClientSecuritiesAvailabletoUtilizeasCollateralandAmountsPledgedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019cb98b-a2f4-788b-99a6-9d0f6d2312b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesFinancingTransactionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTable_019cb98b-a2f4-788b-bf86-6196a7fa62cc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesFinancingTransactionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019cb98b-a2f4-788b-99a6-9d0f6d2312b1" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTable_019cb98b-a2f4-788b-bf86-6196a7fa62cc" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionAxis_019cb98b-a2f4-72db-a340-e7943050b8f1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesFinancingTransactionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTable_019cb98b-a2f4-788b-bf86-6196a7fa62cc" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionAxis_019cb98b-a2f4-72db-a340-e7943050b8f1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-72db-a340-e7943050b8f1_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesFinancingTransactionTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionAxis_019cb98b-a2f4-72db-a340-e7943050b8f1" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-72db-a340-e7943050b8f1_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-7603-b65d-bc304d954a27" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesFinancingTransactionTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionAxis_019cb98b-a2f4-72db-a340-e7943050b8f1" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-7603-b65d-bc304d954a27" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FulfillmentOfRequirementsWithOptionsClearingCorporationMember_019cb98b-a2f4-7776-92bf-ac58ebd1337d" xlink:href="schw-20260331.xsd#schw_FulfillmentOfRequirementsWithOptionsClearingCorporationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-7603-b65d-bc304d954a27" xlink:to="loc_schw_FulfillmentOfRequirementsWithOptionsClearingCorporationMember_019cb98b-a2f4-7776-92bf-ac58ebd1337d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FulfillmentOfClientShortSalesMember_019cb98b-a2f4-7906-b635-f27b23ecc3e9" xlink:href="schw-20260331.xsd#schw_FulfillmentOfClientShortSalesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-7603-b65d-bc304d954a27" xlink:to="loc_schw_FulfillmentOfClientShortSalesMember_019cb98b-a2f4-7906-b635-f27b23ecc3e9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SecuritiesLendingToOtherBrokerDealersMember_019cb98b-a2f4-78b4-ab0f-464207992e97" xlink:href="schw-20260331.xsd#schw_SecuritiesLendingToOtherBrokerDealersMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-7603-b65d-bc304d954a27" xlink:to="loc_schw_SecuritiesLendingToOtherBrokerDealersMember_019cb98b-a2f4-78b4-ab0f-464207992e97" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CollateralForSecuredShortTermBorrowingsMember_019cb98b-a2f4-7e86-9fa9-412ff37ae3a6" xlink:href="schw-20260331.xsd#schw_CollateralForSecuredShortTermBorrowingsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-7603-b65d-bc304d954a27" xlink:to="loc_schw_CollateralForSecuredShortTermBorrowingsMember_019cb98b-a2f4-7e86-9fa9-412ff37ae3a6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CollateralForRepurchaseAgreementsMember_019d40df-9808-726b-bae9-7409bf63dc58" xlink:href="schw-20260331.xsd#schw_CollateralForRepurchaseAgreementsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-7603-b65d-bc304d954a27" xlink:to="loc_schw_CollateralForRepurchaseAgreementsMember_019d40df-9808-726b-bae9-7409bf63dc58" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_FullyPaidClientSecuritiesMember_019cb98b-a2f4-74ff-a248-29fa8fabe6cc" xlink:href="schw-20260331.xsd#schw_FullyPaidClientSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTypeDomain_019cb98b-a2f4-7603-b65d-bc304d954a27" xlink:to="loc_schw_FullyPaidClientSecuritiesMember_019cb98b-a2f4-74ff-a248-29fa8fabe6cc" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_019cb98b-a2f4-7ca0-b38a-c7a9fd3a68bc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019cb98b-a2f4-788b-99a6-9d0f6d2312b1" xlink:to="loc_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatCanBeResoldOrRepledged_019cb98b-a2f4-7ca0-b38a-c7a9fd3a68bc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatHaveBeenResoldOrRepledged_019cb98b-a2f4-7596-94f2-e279c8741185" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatHaveBeenResoldOrRepledged"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019cb98b-a2f4-788b-99a6-9d0f6d2312b1" xlink:to="loc_us-gaap_FairValueOfSecuritiesReceivedAsCollateralThatHaveBeenResoldOrRepledged_019cb98b-a2f4-7596-94f2-e279c8741185" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/FairValuesofAssetsandLiabilitiesAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#FairValuesofAssetsandLiabilitiesAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/FairValuesofAssetsandLiabilitiesAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cb98b-a2f4-7bec-b37e-444b26ad707e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cb98b-a2f4-72c3-8f80-bfaa49994fca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cb98b-a2f4-7bec-b37e-444b26ad707e" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cb98b-a2f4-72c3-8f80-bfaa49994fca" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cb98b-a2f4-7b45-ba38-6befcf8cf7f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cb98b-a2f4-72c3-8f80-bfaa49994fca" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cb98b-a2f4-7b45-ba38-6befcf8cf7f2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-7b45-ba38-6befcf8cf7f2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cb98b-a2f4-7b45-ba38-6befcf8cf7f2" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-7b45-ba38-6befcf8cf7f2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-7097-9e9c-82fecd090908" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cb98b-a2f4-7b45-ba38-6befcf8cf7f2" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-7097-9e9c-82fecd090908" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019cb98b-a2f4-70f4-95c5-5a0e9e489d86" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-7097-9e9c-82fecd090908" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019cb98b-a2f4-70f4-95c5-5a0e9e489d86" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019cb98b-a2f4-7d29-a8b6-72e511fd00cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-7097-9e9c-82fecd090908" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019cb98b-a2f4-7d29-a8b6-72e511fd00cf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019cb98b-a2f4-785a-bfe3-947f9187eac4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-7097-9e9c-82fecd090908" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019cb98b-a2f4-785a-bfe3-947f9187eac4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a2f4-767a-a4e1-474b75e8410c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019cb98b-a2f4-72c3-8f80-bfaa49994fca" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a2f4-767a-a4e1-474b75e8410c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-767a-a4e1-474b75e8410c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a2f4-767a-a4e1-474b75e8410c" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-767a-a4e1-474b75e8410c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a2f4-767a-a4e1-474b75e8410c" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MoneyMarketFundsMember_019cb98b-a2f4-73dc-b6b4-d5711d6cab64" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MoneyMarketFundsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_us-gaap_MoneyMarketFundsMember_019cb98b-a2f4-73dc-b6b4-d5711d6cab64" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPaperMember_019ddb31-9100-7eae-9d2a-c2ef744b4510" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommercialPaperMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_us-gaap_CommercialPaperMember_019ddb31-9100-7eae-9d2a-c2ef744b4510" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_019cb98b-a2f4-729d-b568-f9e05e44eb31" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_019cb98b-a2f4-729d-b568-f9e05e44eb31" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentDebtSecuritiesMember_019cb98b-a2f4-73f7-94ec-142dbe121639" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USGovernmentDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_us-gaap_USGovernmentDebtSecuritiesMember_019cb98b-a2f4-73f7-94ec-142dbe121639" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019cb98b-a2f4-7096-b23f-9b29f75b16f1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019cb98b-a2f4-7096-b23f-9b29f75b16f1" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_019cb98b-a2f4-7d37-bf40-cc2a83b772ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_019cb98b-a2f4-7d37-bf40-cc2a83b772ab" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019cb98b-a2f4-75c5-87eb-578db6cbf114" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019cb98b-a2f4-75c5-87eb-578db6cbf114" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019cb98b-a2f4-7af2-88a5-961ac3248b3a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019cb98b-a2f4-7af2-88a5-961ac3248b3a" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_019cb98b-a2f4-760f-a76a-062966441fe5" xlink:href="schw-20260331.xsd#schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_schw_CommercialMortageBackedSecuritiesIssuedByPrivateEnterprisesMember_019cb98b-a2f4-760f-a76a-062966441fe5" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_019cb98b-a2f4-7e7d-a412-a9f3c3f1997e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_019cb98b-a2f4-7e7d-a412-a9f3c3f1997e" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherSecuritiesMember_019cb98b-a2f4-7239-a875-dd3060c5c0ac" xlink:href="schw-20260331.xsd#schw_OtherSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_schw_OtherSecuritiesMember_019cb98b-a2f4-7239-a875-dd3060c5c0ac" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_EquityCorporateDebtAndOtherSecuritiesMember_019cb98b-a2f4-7846-bcfa-b6ef8d884085" xlink:href="schw-20260331.xsd#schw_EquityCorporateDebtAndOtherSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_OtherSecuritiesMember_019cb98b-a2f4-7239-a875-dd3060c5c0ac" xlink:to="loc_schw_EquityCorporateDebtAndOtherSecuritiesMember_019cb98b-a2f4-7846-bcfa-b6ef8d884085" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_MutualFundsAndExchangeTradedFundsETFsMember_019cb98b-a2f4-719d-b497-33dbb8e609a4" xlink:href="schw-20260331.xsd#schw_MutualFundsAndExchangeTradedFundsETFsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_OtherSecuritiesMember_019cb98b-a2f4-7239-a875-dd3060c5c0ac" xlink:to="loc_schw_MutualFundsAndExchangeTradedFundsETFsMember_019cb98b-a2f4-719d-b497-33dbb8e609a4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_StateAndMunicipalDebtObligationsMember_019cb98b-a2f4-7f38-967a-b3c2a834a094" xlink:href="schw-20260331.xsd#schw_StateAndMunicipalDebtObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_OtherSecuritiesMember_019cb98b-a2f4-7239-a875-dd3060c5c0ac" xlink:to="loc_schw_StateAndMunicipalDebtObligationsMember_019cb98b-a2f4-7f38-967a-b3c2a834a094" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_019d01a4-b633-7ae5-b2c2-230491a0e477" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_us-gaap_InterestRateSwapMember_019d01a4-b633-7ae5-b2c2-230491a0e477" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherFinancialInstrumentsMember_019cb98b-a2f4-76bf-a96f-507db10055e8" xlink:href="schw-20260331.xsd#schw_OtherFinancialInstrumentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7ed9-beb8-1ce795a45b44" xlink:to="loc_schw_OtherFinancialInstrumentsMember_019cb98b-a2f4-76bf-a96f-507db10055e8" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019cb98b-a2f4-79a0-9f82-7a3139e01905" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cb98b-a2f4-7bec-b37e-444b26ad707e" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019cb98b-a2f4-79a0-9f82-7a3139e01905" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure_019cb98b-a2f4-7dc2-9313-7cf1a5cff9ca" xlink:href="schw-20260331.xsd#schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cb98b-a2f4-7bec-b37e-444b26ad707e" xlink:to="loc_schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure_019cb98b-a2f4-7dc2-9313-7cf1a5cff9ca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a2f4-7e47-b1d2-fe81df5a8310" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cb98b-a2f4-7bec-b37e-444b26ad707e" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019cb98b-a2f4-7e47-b1d2-fe81df5a8310" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure_019cb98b-a2f4-7230-baf6-26ea3f0817c2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cb98b-a2f4-7bec-b37e-444b26ad707e" xlink:to="loc_us-gaap_OtherAssetsFairValueDisclosure_019cb98b-a2f4-7230-baf6-26ea3f0817c2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019cb98b-a2f4-71ec-8bb4-dd694da4ffcc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cb98b-a2f4-7bec-b37e-444b26ad707e" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_019cb98b-a2f4-71ec-8bb4-dd694da4ffcc" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_019cb98b-a2f4-7da4-932f-83456a4736d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cb98b-a2f4-7bec-b37e-444b26ad707e" xlink:to="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_019cb98b-a2f4-7da4-932f-83456a4736d9" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_019cb98b-a2f4-78fc-bf82-59219b271907" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019cb98b-a2f4-7bec-b37e-444b26ad707e" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosure_019cb98b-a2f4-78fc-bf82-59219b271907" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/FairValuesofAssetsandLiabilitiesFairValueofOtherFinancialInstrumentsDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#FairValuesofAssetsandLiabilitiesFairValueofOtherFinancialInstrumentsDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/FairValuesofAssetsandLiabilitiesFairValueofOtherFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019cb98b-a2f4-7003-8769-3a68e47ffb9b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019cb98b-a2f4-7eb6-aebd-ef8be2b0a404" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019cb98b-a2f4-7003-8769-3a68e47ffb9b" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019cb98b-a2f4-7eb6-aebd-ef8be2b0a404" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_019cb98b-a2f4-7675-b48d-c60d40d23f65" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019cb98b-a2f4-7eb6-aebd-ef8be2b0a404" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_019cb98b-a2f4-7675-b48d-c60d40d23f65" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019cb98b-a2f4-7675-b48d-c60d40d23f65_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_019cb98b-a2f4-7675-b48d-c60d40d23f65" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019cb98b-a2f4-7675-b48d-c60d40d23f65_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019cb98b-a2f4-748b-9394-c4d2608eb4cc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_019cb98b-a2f4-7675-b48d-c60d40d23f65" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019cb98b-a2f4-748b-9394-c4d2608eb4cc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019cb98b-a2f4-7054-846e-9d1afd95a1b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019cb98b-a2f4-748b-9394-c4d2608eb4cc" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019cb98b-a2f4-7054-846e-9d1afd95a1b1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_019cb98b-a2f4-7994-8f91-c50a597309e9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019cb98b-a2f4-7054-846e-9d1afd95a1b1" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_019cb98b-a2f4-7994-8f91-c50a597309e9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtOtherThanFairValueFairValueDisclosureMember_019cb98b-a2f4-7363-aa6f-f5a392ce8df6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PortionAtOtherThanFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019cb98b-a2f4-748b-9394-c4d2608eb4cc" xlink:to="loc_us-gaap_PortionAtOtherThanFairValueFairValueDisclosureMember_019cb98b-a2f4-7363-aa6f-f5a392ce8df6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cb98b-a2f4-7f92-8ed6-f725d0526907" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019cb98b-a2f4-7eb6-aebd-ef8be2b0a404" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cb98b-a2f4-7f92-8ed6-f725d0526907" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-7f92-8ed6-f725d0526907_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cb98b-a2f4-7f92-8ed6-f725d0526907" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-7f92-8ed6-f725d0526907_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-75e5-89f0-2c187d29d03b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019cb98b-a2f4-7f92-8ed6-f725d0526907" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-75e5-89f0-2c187d29d03b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019cb98b-a2f4-7cb9-83a7-7c1e4b5f57b3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-75e5-89f0-2c187d29d03b" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019cb98b-a2f4-7cb9-83a7-7c1e4b5f57b3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019cb98b-a2f4-7df7-a1cb-c0a14309b5f6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-75e5-89f0-2c187d29d03b" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019cb98b-a2f4-7df7-a1cb-c0a14309b5f6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019cb98b-a2f4-7dbe-879c-3afff28bb0cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019cb98b-a2f4-75e5-89f0-2c187d29d03b" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019cb98b-a2f4-7dbe-879c-3afff28bb0cd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a2f4-7257-80bd-1a6e151de143" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019cb98b-a2f4-7eb6-aebd-ef8be2b0a404" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a2f4-7257-80bd-1a6e151de143" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7257-80bd-1a6e151de143_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a2f4-7257-80bd-1a6e151de143" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7257-80bd-1a6e151de143_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7d9d-ae44-6b383dfdabfc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019cb98b-a2f4-7257-80bd-1a6e151de143" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7d9d-ae44-6b383dfdabfc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019cb98b-a2f4-7004-8f33-f60e793b64c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7d9d-ae44-6b383dfdabfc" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_019cb98b-a2f4-7004-8f33-f60e793b64c3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_019d9385-3b47-7983-9589-1f7c1595d127" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019cb98b-a2f4-7d9d-ae44-6b383dfdabfc" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_019d9385-3b47-7983-9589-1f7c1595d127" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f4-7442-8b47-9a2b1e65a35a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019cb98b-a2f4-7eb6-aebd-ef8be2b0a404" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f4-7442-8b47-9a2b1e65a35a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f4-7442-8b47-9a2b1e65a35a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f4-7442-8b47-9a2b1e65a35a" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f4-7442-8b47-9a2b1e65a35a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f4-79ab-ade8-067de2414a60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019cb98b-a2f4-7442-8b47-9a2b1e65a35a" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f4-79ab-ade8-067de2414a60" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a2f4-7668-be74-656821184406" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f4-79ab-ade8-067de2414a60" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019cb98b-a2f4-7668-be74-656821184406" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_PledgedAssetLinesPortfolioSegmentMember_019cb98b-a2f4-7d7e-92fe-ae08030dbd39" xlink:href="schw-20260331.xsd#schw_PledgedAssetLinesPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f4-79ab-ade8-067de2414a60" xlink:to="loc_schw_PledgedAssetLinesPortfolioSegmentMember_019cb98b-a2f4-7d7e-92fe-ae08030dbd39" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherPortfolioSegmentMember_019cb98b-a2f4-7f6f-9eea-0fd20681f87f" xlink:href="schw-20260331.xsd#schw_OtherPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019cb98b-a2f4-79ab-ade8-067de2414a60" xlink:to="loc_schw_OtherPortfolioSegmentMember_019cb98b-a2f4-7f6f-9eea-0fd20681f87f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f4-724b-b67f-31c808953a6f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_019cb98b-a2f4-7eb6-aebd-ef8be2b0a404" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f4-724b-b67f-31c808953a6f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f4-724b-b67f-31c808953a6f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f4-724b-b67f-31c808953a6f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f4-724b-b67f-31c808953a6f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f4-7f7a-84e8-e62385aa4b56" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019cb98b-a2f4-724b-b67f-31c808953a6f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f4-7f7a-84e8-e62385aa4b56" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FirstMortgageMember_019cb98b-a2f4-73ec-9945-41441ac8238c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FirstMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f4-7f7a-84e8-e62385aa4b56" xlink:to="loc_us-gaap_FirstMortgageMember_019cb98b-a2f4-73ec-9945-41441ac8238c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HomeEquityMember_019cb98b-a2f4-7544-890f-7926d83c4263" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HomeEquityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019cb98b-a2f4-7f7a-84e8-e62385aa4b56" xlink:to="loc_us-gaap_HomeEquityMember_019cb98b-a2f4-7544-890f-7926d83c4263" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cb98b-a2f4-733c-9a86-a6971bc8236b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019cb98b-a2f4-7003-8769-3a68e47ffb9b" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cb98b-a2f4-733c-9a86-a6971bc8236b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019cb98b-a2f4-7ec4-9c5c-5cd1bb7dac80" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cb98b-a2f4-733c-9a86-a6971bc8236b" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019cb98b-a2f4-7ec4-9c5c-5cd1bb7dac80" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure_019cb98b-a2f4-7a8e-903d-1250a8a34644" xlink:href="schw-20260331.xsd#schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cb98b-a2f4-733c-9a86-a6971bc8236b" xlink:to="loc_schw_CashAndSecuritiesSegregatedUnderFederalAndOtherRegulationsFairValueDisclosure_019cb98b-a2f4-7a8e-903d-1250a8a34644" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_ReceivablesFromBrokerDealerAndClearingOrganizationFairValueDisclosure_019cb98b-a2f4-7764-9014-11ee60fff03f" xlink:href="schw-20260331.xsd#schw_ReceivablesFromBrokerDealerAndClearingOrganizationFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cb98b-a2f4-733c-9a86-a6971bc8236b" xlink:to="loc_schw_ReceivablesFromBrokerDealerAndClearingOrganizationFairValueDisclosure_019cb98b-a2f4-7764-9014-11ee60fff03f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_ReceivablesFromCustomersFairValueDisclosure_019cb98b-a2f4-7cc0-9e50-d04911670ee0" xlink:href="schw-20260331.xsd#schw_ReceivablesFromCustomersFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cb98b-a2f4-733c-9a86-a6971bc8236b" xlink:to="loc_schw_ReceivablesFromCustomersFairValueDisclosure_019cb98b-a2f4-7cc0-9e50-d04911670ee0" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a2f4-7c37-acb4-946f57b9939c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cb98b-a2f4-733c-9a86-a6971bc8236b" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019cb98b-a2f4-7c37-acb4-946f57b9939c" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_019cb98b-a2f4-7164-93c2-1e46dfb685a9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cb98b-a2f4-733c-9a86-a6971bc8236b" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_019cb98b-a2f4-7164-93c2-1e46dfb685a9" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure_019cb98b-a2f4-7912-804b-8d392903be45" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_019cb98b-a2f4-733c-9a86-a6971bc8236b" xlink:to="loc_us-gaap_OtherAssetsFairValueDisclosure_019cb98b-a2f4-7912-804b-8d392903be45" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019cb98b-a2f4-7345-971b-74223edfc602" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_019cb98b-a2f4-7003-8769-3a68e47ffb9b" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019cb98b-a2f4-7345-971b-74223edfc602" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsFairValueDisclosure_019cb98b-a2f4-7e32-bd14-ace3c6040d7f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepositsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019cb98b-a2f4-7345-971b-74223edfc602" xlink:to="loc_us-gaap_DepositsFairValueDisclosure_019cb98b-a2f4-7e32-bd14-ace3c6040d7f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_BrokerDealerPayableToOtherBrokerDealerAndClearingOrganizationFairValueDisclosure_019cb98b-a2f4-7916-889b-f555cd368bc9" xlink:href="schw-20260331.xsd#schw_BrokerDealerPayableToOtherBrokerDealerAndClearingOrganizationFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019cb98b-a2f4-7345-971b-74223edfc602" xlink:to="loc_schw_BrokerDealerPayableToOtherBrokerDealerAndClearingOrganizationFairValueDisclosure_019cb98b-a2f4-7916-889b-f555cd368bc9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_PayablesToCustomerFairValueDisclosure_019cb98b-a2f4-720b-bbd6-bed17ebda2dc" xlink:href="schw-20260331.xsd#schw_PayablesToCustomerFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019cb98b-a2f4-7345-971b-74223edfc602" xlink:to="loc_schw_PayablesToCustomerFairValueDisclosure_019cb98b-a2f4-720b-bbd6-bed17ebda2dc" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedLiabilitiesFairValueDisclosure_019cb98b-a2f4-7d4c-a973-9148cbb04f23" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccruedLiabilitiesFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019cb98b-a2f4-7345-971b-74223edfc602" xlink:to="loc_us-gaap_AccruedLiabilitiesFairValueDisclosure_019cb98b-a2f4-7d4c-a973-9148cbb04f23" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherShortTermBorrowingsFairValue_019cb98b-a2f4-7b85-984a-2b616e1216a2" xlink:href="schw-20260331.xsd#schw_OtherShortTermBorrowingsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019cb98b-a2f4-7345-971b-74223edfc602" xlink:to="loc_schw_OtherShortTermBorrowingsFairValue_019cb98b-a2f4-7b85-984a-2b616e1216a2" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_019cb98b-a2f4-73a2-bd92-7eb5b033abbb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019cb98b-a2f4-7345-971b-74223edfc602" xlink:to="loc_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_019cb98b-a2f4-73a2-bd92-7eb5b033abbb" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue_019cb98b-a2f4-7f77-b926-30fb12a5ecf9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_019cb98b-a2f4-7345-971b-74223edfc602" xlink:to="loc_us-gaap_LongTermDebtFairValue_019cb98b-a2f4-7f77-b926-30fb12a5ecf9" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/StockholdersEquityNarrativeDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#StockholdersEquityNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/StockholdersEquityNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7846-a941-c549be7e4354" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7846-a941-c549be7e4354" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-76ad-ae8d-1ffa0a75c536" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7846-a941-c549be7e4354" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-76ad-ae8d-1ffa0a75c536" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-76ad-ae8d-1ffa0a75c536_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-76ad-ae8d-1ffa0a75c536" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-76ad-ae8d-1ffa0a75c536_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7819-95c0-bcf71452be63" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-76ad-ae8d-1ffa0a75c536" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7819-95c0-bcf71452be63" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019cb98b-a2f4-7830-a4a5-8222617d83ff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7819-95c0-bcf71452be63" xlink:to="loc_us-gaap_CommonStockMember_019cb98b-a2f4-7830-a4a5-8222617d83ff" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonvotingCommonStockMember_019cb98b-a2f4-7a09-8d1b-528599347a57" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonvotingCommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7819-95c0-bcf71452be63" xlink:to="loc_us-gaap_NonvotingCommonStockMember_019cb98b-a2f4-7a09-8d1b-528599347a57" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesGPreferredStockMember_019cb98b-a2f4-7475-b815-8946a3e50c61" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesGPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7819-95c0-bcf71452be63" xlink:to="loc_us-gaap_SeriesGPreferredStockMember_019cb98b-a2f4-7475-b815-8946a3e50c61" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_DepositorySharesMember_019cb98b-a2f4-74a6-b21f-f6e49f63786c" xlink:href="schw-20260331.xsd#schw_DepositorySharesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7819-95c0-bcf71452be63" xlink:to="loc_schw_DepositorySharesMember_019cb98b-a2f4-74a6-b21f-f6e49f63786c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeriesLPreferredStockMember_019ddf20-b522-7b99-9020-6a79a023a21b" xlink:href="schw-20260331.xsd#schw_SeriesLPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7819-95c0-bcf71452be63" xlink:to="loc_schw_SeriesLPreferredStockMember_019ddf20-b522-7b99-9020-6a79a023a21b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeriesIPreferredStockMember_019df522-4606-7b36-a3fe-2b07044cbb7e" xlink:href="schw-20260331.xsd#schw_SeriesIPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7819-95c0-bcf71452be63" xlink:to="loc_schw_SeriesIPreferredStockMember_019df522-4606-7b36-a3fe-2b07044cbb7e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_019ddf21-10db-71d6-9718-280899532b0e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7846-a941-c549be7e4354" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_019ddf21-10db-71d6-9718-280899532b0e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_019ddf21-10db-71d6-9718-280899532b0e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_019ddf21-10db-71d6-9718-280899532b0e" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_019ddf21-10db-71d6-9718-280899532b0e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_019ddf21-2fc2-7422-a70a-315f75e40ae9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_019ddf21-10db-71d6-9718-280899532b0e" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_019ddf21-2fc2-7422-a70a-315f75e40ae9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_019ddf21-4e71-7bb3-9179-1dc5d69cf3c8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsequentEventMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_019ddf21-2fc2-7422-a70a-315f75e40ae9" xlink:to="loc_us-gaap_SubsequentEventMember_019ddf21-4e71-7bb3-9179-1dc5d69cf3c8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsidiarySaleOfStockAxis_019cb98b-a2f4-7adc-9068-7c08f1c1ff30" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsidiarySaleOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7846-a941-c549be7e4354" xlink:to="loc_us-gaap_SubsidiarySaleOfStockAxis_019cb98b-a2f4-7adc-9068-7c08f1c1ff30" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain_019cb98b-a2f4-7adc-9068-7c08f1c1ff30_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis_019cb98b-a2f4-7adc-9068-7c08f1c1ff30" xlink:to="loc_us-gaap_SaleOfStockNameOfTransactionDomain_019cb98b-a2f4-7adc-9068-7c08f1c1ff30_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain_019cb98b-a2f4-7e17-a457-434aeedcbb6c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis_019cb98b-a2f4-7adc-9068-7c08f1c1ff30" xlink:to="loc_us-gaap_SaleOfStockNameOfTransactionDomain_019cb98b-a2f4-7e17-a457-434aeedcbb6c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SecondaryPublicStockOfferingMember_019cb98b-a2f4-7b80-aeff-f24d48a2063b" xlink:href="schw-20260331.xsd#schw_SecondaryPublicStockOfferingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain_019cb98b-a2f4-7e17-a457-434aeedcbb6c" xlink:to="loc_schw_SecondaryPublicStockOfferingMember_019cb98b-a2f4-7b80-aeff-f24d48a2063b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019cb98b-a2f4-7d02-83c3-2a675bd87703" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LegalEntityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7846-a941-c549be7e4354" xlink:to="loc_dei_LegalEntityAxis_019cb98b-a2f4-7d02-83c3-2a675bd87703" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019cb98b-a2f4-7d02-83c3-2a675bd87703_default" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_dei_LegalEntityAxis_019cb98b-a2f4-7d02-83c3-2a675bd87703" xlink:to="loc_dei_EntityDomain_019cb98b-a2f4-7d02-83c3-2a675bd87703_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019cb98b-a2f4-7afc-8c74-1b7f7b6930db" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_dei_LegalEntityAxis_019cb98b-a2f4-7d02-83c3-2a675bd87703" xlink:to="loc_dei_EntityDomain_019cb98b-a2f4-7afc-8c74-1b7f7b6930db" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_TDGroupUSHoldingsLLCMember_019cb98b-a2f4-734d-a255-42c1908325a9" xlink:href="schw-20260331.xsd#schw_TDGroupUSHoldingsLLCMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_019cb98b-a2f4-7afc-8c74-1b7f7b6930db" xlink:to="loc_schw_TDGroupUSHoldingsLLCMember_019cb98b-a2f4-734d-a255-42c1908325a9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramAxis_019cb98b-a2f4-7ec0-975b-9271453ce02d" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ShareRepurchaseProgramAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7846-a941-c549be7e4354" xlink:to="loc_srt_ShareRepurchaseProgramAxis_019cb98b-a2f4-7ec0-975b-9271453ce02d" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramDomain_019cb98b-a2f4-7ec0-975b-9271453ce02d_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ShareRepurchaseProgramDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ShareRepurchaseProgramAxis_019cb98b-a2f4-7ec0-975b-9271453ce02d" xlink:to="loc_srt_ShareRepurchaseProgramDomain_019cb98b-a2f4-7ec0-975b-9271453ce02d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ShareRepurchaseProgramDomain_019cb98b-a2f4-7e1b-ad1c-3153ce318f95" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ShareRepurchaseProgramDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ShareRepurchaseProgramAxis_019cb98b-a2f4-7ec0-975b-9271453ce02d" xlink:to="loc_srt_ShareRepurchaseProgramDomain_019cb98b-a2f4-7e1b-ad1c-3153ce318f95" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_NewShareRepurchaseAuthorizationMember_019cb98b-a2f4-71ed-a3eb-ab1e57a26bfa" xlink:href="schw-20260331.xsd#schw_NewShareRepurchaseAuthorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ShareRepurchaseProgramDomain_019cb98b-a2f4-7e1b-ad1c-3153ce318f95" xlink:to="loc_schw_NewShareRepurchaseAuthorizationMember_019cb98b-a2f4-71ed-a3eb-ab1e57a26bfa" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_019dfd2d-1e4a-7f2c-8d85-759c23558ac6" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementScenarioAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7846-a941-c549be7e4354" xlink:to="loc_srt_StatementScenarioAxis_019dfd2d-1e4a-7f2c-8d85-759c23558ac6" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_019dfd2d-1e4a-7f2c-8d85-759c23558ac6_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_StatementScenarioAxis_019dfd2d-1e4a-7f2c-8d85-759c23558ac6" xlink:to="loc_srt_ScenarioUnspecifiedDomain_019dfd2d-1e4a-7f2c-8d85-759c23558ac6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_019dfd2d-3e9d-72d7-b745-9c5a7e5f033d" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_StatementScenarioAxis_019dfd2d-1e4a-7f2c-8d85-759c23558ac6" xlink:to="loc_srt_ScenarioUnspecifiedDomain_019dfd2d-3e9d-72d7-b745-9c5a7e5f033d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioForecastMember_019dfd2d-6d81-7aa0-aa05-b2f12de078ad" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScenarioForecastMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ScenarioUnspecifiedDomain_019dfd2d-3e9d-72d7-b745-9c5a7e5f033d" xlink:to="loc_srt_ScenarioForecastMember_019dfd2d-6d81-7aa0-aa05-b2f12de078ad" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_019cb98b-a2f4-794f-9955-37eec441c07b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_019cb98b-a2f4-794f-9955-37eec441c07b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StockRepurchaseProgramAuthorizedAmount1_019cb98b-a2f4-79bc-8c30-d4bc68fcfdec" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StockRepurchaseProgramAuthorizedAmount1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_srt_StockRepurchaseProgramAuthorizedAmount1_019cb98b-a2f4-79bc-8c30-d4bc68fcfdec" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019cb98b-a2f4-766f-ac22-3e9649ad8a09" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019cb98b-a2f4-766f-ac22-3e9649ad8a09" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_019cb98b-a2f4-71f2-be3f-34f24e05b1f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_019cb98b-a2f4-71f2-be3f-34f24e05b1f3" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_019cb98b-a2f4-7ec2-8aff-6d7e928804ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_019cb98b-a2f4-7ec2-8aff-6d7e928804ca" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockPricePerShare_019cb98b-a2f4-7b68-b6d3-e86650d8058d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockPricePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_SaleOfStockPricePerShare_019cb98b-a2f4-7b68-b6d3-e86650d8058d" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockConsiderationReceivedOnTransaction_019cb98b-a2f4-7fc3-a360-ac853c2171f7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockConsiderationReceivedOnTransaction"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_SaleOfStockConsiderationReceivedOnTransaction_019cb98b-a2f4-7fc3-a360-ac853c2171f7" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_019cb98b-a2f4-7c78-bc7a-8f121514dc36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_019cb98b-a2f4-7c78-bc7a-8f121514dc36" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_019ddf43-f5bd-7584-8398-e9f277b69f73" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_019ddf43-f5bd-7584-8398-e9f277b69f73" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019cb98b-a2f4-70f7-8c34-723350966591" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_019cb98b-a2f4-70f7-8c34-723350966591" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_RedemptionOfStockPercentageOfOwnershipBeforeTransaction_019ddf25-2894-7681-ae15-eb058e265f7d" xlink:href="schw-20260331.xsd#schw_RedemptionOfStockPercentageOfOwnershipBeforeTransaction"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_schw_RedemptionOfStockPercentageOfOwnershipBeforeTransaction_019ddf25-2894-7681-ae15-eb058e265f7d" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockPercentageOfOwnershipBeforeTransaction_019dfe4b-2fe4-7132-9d83-60e903927f64" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockPercentageOfOwnershipBeforeTransaction"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_SaleOfStockPercentageOfOwnershipBeforeTransaction_019dfe4b-2fe4-7132-9d83-60e903927f64" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePercentage_019ddf1d-4a3d-729e-9308-651fb61e7974" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendRatePercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_PreferredStockDividendRatePercentage_019ddf1d-4a3d-729e-9308-651fb61e7974" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_019ddf1d-9cb2-7db4-9abb-fd79f6da5ce7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_019ddf1d-9cb2-7db4-9abb-fd79f6da5ce7" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_019ddf1e-115a-7f62-a208-c8a8b82cb0c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_019ddf1e-115a-7f62-a208-c8a8b82cb0c5" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRedeemedOrCalledDuringPeriodShares_019dfd2c-3ed0-71bc-aeed-5be7a19954bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockRedeemedOrCalledDuringPeriodShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_StockRedeemedOrCalledDuringPeriodShares_019dfd2c-3ed0-71bc-aeed-5be7a19954bd" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRedeemedOrCalledDuringPeriodValue_019dfd2f-6ddd-732a-95d6-1e76168c7821" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockRedeemedOrCalledDuringPeriodValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-74a7-adb8-672a00d7a63c" xlink:to="loc_us-gaap_StockRedeemedOrCalledDuringPeriodValue_019dfd2f-6ddd-732a-95d6-1e76168c7821" xlink:type="arc" order="16"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/StockholdersEquityPreferredStockIssuedandOutstandingDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#StockholdersEquityPreferredStockIssuedandOutstandingDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/StockholdersEquityPreferredStockIssuedandOutstandingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-7992-8c06-4abce5032e32" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7a7e-b8ea-5b406d972dac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-7992-8c06-4abce5032e32" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7a7e-b8ea-5b406d972dac" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7c73-93a9-83bce4497b7b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7a7e-b8ea-5b406d972dac" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7c73-93a9-83bce4497b7b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7c73-93a9-83bce4497b7b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7c73-93a9-83bce4497b7b" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7c73-93a9-83bce4497b7b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7a67-acf9-6a709ae3be76" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7c73-93a9-83bce4497b7b" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7a67-acf9-6a709ae3be76" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesDPreferredStockMember_019cb98b-a2f4-7e22-b500-ae204b4e9084" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesDPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7a67-acf9-6a709ae3be76" xlink:to="loc_us-gaap_SeriesDPreferredStockMember_019cb98b-a2f4-7e22-b500-ae204b4e9084" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeriesJPreferredStockMember_019cb98b-a2f4-7464-ad67-c2572bf8cc96" xlink:href="schw-20260331.xsd#schw_SeriesJPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7a67-acf9-6a709ae3be76" xlink:to="loc_schw_SeriesJPreferredStockMember_019cb98b-a2f4-7464-ad67-c2572bf8cc96" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesFPreferredStockMember_019cb98b-a2f4-7d2f-ad90-3901512dc34b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesFPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7a67-acf9-6a709ae3be76" xlink:to="loc_us-gaap_SeriesFPreferredStockMember_019cb98b-a2f4-7d2f-ad90-3901512dc34b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesGPreferredStockMember_019cb98b-a2f4-7e8c-bfb4-ffdf31627dc2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesGPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7a67-acf9-6a709ae3be76" xlink:to="loc_us-gaap_SeriesGPreferredStockMember_019cb98b-a2f4-7e8c-bfb4-ffdf31627dc2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesHPreferredStockMember_019cb98b-a2f4-7188-b8ab-4d1000b0752a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesHPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7a67-acf9-6a709ae3be76" xlink:to="loc_us-gaap_SeriesHPreferredStockMember_019cb98b-a2f4-7188-b8ab-4d1000b0752a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeriesIPreferredStockMember_019cb98b-a2f4-7c73-8c69-bc19a9d6775c" xlink:href="schw-20260331.xsd#schw_SeriesIPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7a67-acf9-6a709ae3be76" xlink:to="loc_schw_SeriesIPreferredStockMember_019cb98b-a2f4-7c73-8c69-bc19a9d6775c" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeriesKPreferredStockMember_019cb98b-a2f4-7f61-9eec-b7767d31405f" xlink:href="schw-20260331.xsd#schw_SeriesKPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7a67-acf9-6a709ae3be76" xlink:to="loc_schw_SeriesKPreferredStockMember_019cb98b-a2f4-7f61-9eec-b7767d31405f" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateAxis_019cb98b-a2f4-7b5d-97f0-5beb3d448a45" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableRateAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7a7e-b8ea-5b406d972dac" xlink:to="loc_us-gaap_VariableRateAxis_019cb98b-a2f4-7b5d-97f0-5beb3d448a45" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_019cb98b-a2f4-7b5d-97f0-5beb3d448a45_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_VariableRateAxis_019cb98b-a2f4-7b5d-97f0-5beb3d448a45" xlink:to="loc_us-gaap_VariableRateDomain_019cb98b-a2f4-7b5d-97f0-5beb3d448a45_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_019cb98b-a2f4-7088-9cf5-5b35d3f81fbc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_VariableRateAxis_019cb98b-a2f4-7b5d-97f0-5beb3d448a45" xlink:to="loc_us-gaap_VariableRateDomain_019cb98b-a2f4-7088-9cf5-5b35d3f81fbc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_LondonInterbankOfferedRateLIBOR1Member_019cb98b-a2f4-7766-9dd4-b26b61a24cb8" xlink:href="schw-20260331.xsd#schw_LondonInterbankOfferedRateLIBOR1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableRateDomain_019cb98b-a2f4-7088-9cf5-5b35d3f81fbc" xlink:to="loc_schw_LondonInterbankOfferedRateLIBOR1Member_019cb98b-a2f4-7766-9dd4-b26b61a24cb8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UsTreasuryUstInterestRateMember_019cb98b-a2f4-7609-a30a-15e450784abd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UsTreasuryUstInterestRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableRateDomain_019cb98b-a2f4-7088-9cf5-5b35d3f81fbc" xlink:to="loc_us-gaap_UsTreasuryUstInterestRateMember_019cb98b-a2f4-7609-a30a-15e450784abd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_019cb98b-a2f4-75f6-b884-c89b4315f8bc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-7992-8c06-4abce5032e32" xlink:to="loc_us-gaap_PreferredStockSharesIssued_019cb98b-a2f4-75f6-b884-c89b4315f8bc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_019cb98b-a2f4-71ae-904e-6c30ce2e50d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-7992-8c06-4abce5032e32" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_019cb98b-a2f4-71ae-904e-6c30ce2e50d6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_019cb98b-a2f4-799b-9f4a-14838e0a9614" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-7992-8c06-4abce5032e32" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_019cb98b-a2f4-799b-9f4a-14838e0a9614" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019cb98b-a2f4-73fd-a975-ace5778783db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-7992-8c06-4abce5032e32" xlink:to="loc_us-gaap_PreferredStockValue_019cb98b-a2f4-73fd-a975-ace5778783db" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePercentage_019cb98b-a2f4-7f75-a235-40c778f81975" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendRatePercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-7992-8c06-4abce5032e32" xlink:to="loc_us-gaap_PreferredStockDividendRatePercentage_019cb98b-a2f4-7f75-a235-40c778f81975" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_PreferredStockDividendTerm_019cb98b-a2f4-7153-80a5-52d92e35f8ab" xlink:href="schw-20260331.xsd#schw_PreferredStockDividendTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-7992-8c06-4abce5032e32" xlink:to="loc_schw_PreferredStockDividendTerm_019cb98b-a2f4-7153-80a5-52d92e35f8ab" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_PreferredStockBasisSpreadOnVariableRate_019cb98b-a2f4-77a4-987f-abbf54534792" xlink:href="schw-20260331.xsd#schw_PreferredStockBasisSpreadOnVariableRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-7992-8c06-4abce5032e32" xlink:to="loc_schw_PreferredStockBasisSpreadOnVariableRate_019cb98b-a2f4-77a4-987f-abbf54534792" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/StockholdersEquityDividendsDeclaredDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#StockholdersEquityDividendsDeclaredDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/StockholdersEquityDividendsDeclaredDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-78b8-95dd-11ead6e6f8bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7d65-9ede-c48c9222d181" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-78b8-95dd-11ead6e6f8bb" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7d65-9ede-c48c9222d181" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7ffd-a2df-7ab65f95445b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_019cb98b-a2f4-7d65-9ede-c48c9222d181" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7ffd-a2df-7ab65f95445b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7ffd-a2df-7ab65f95445b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7ffd-a2df-7ab65f95445b" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7ffd-a2df-7ab65f95445b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7b2a-b3cd-cd42a83dc628" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7ffd-a2df-7ab65f95445b" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7b2a-b3cd-cd42a83dc628" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesDPreferredStockMember_019cb98b-a2f4-7519-aff5-c35c83475b58" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesDPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7b2a-b3cd-cd42a83dc628" xlink:to="loc_us-gaap_SeriesDPreferredStockMember_019cb98b-a2f4-7519-aff5-c35c83475b58" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesFPreferredStockMember_019cb98b-a2f4-701f-9532-52e18744f517" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesFPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7b2a-b3cd-cd42a83dc628" xlink:to="loc_us-gaap_SeriesFPreferredStockMember_019cb98b-a2f4-701f-9532-52e18744f517" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesGPreferredStockMember_019cb98b-a2f4-7aa5-9b5e-dafa4d2f0f25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesGPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7b2a-b3cd-cd42a83dc628" xlink:to="loc_us-gaap_SeriesGPreferredStockMember_019cb98b-a2f4-7aa5-9b5e-dafa4d2f0f25" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesHPreferredStockMember_019cb98b-a2f4-7dfb-9070-5a1af91f8fc8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesHPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7b2a-b3cd-cd42a83dc628" xlink:to="loc_us-gaap_SeriesHPreferredStockMember_019cb98b-a2f4-7dfb-9070-5a1af91f8fc8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeriesIPreferredStockMember_019cb98b-a2f4-7805-b20d-2c97339489f4" xlink:href="schw-20260331.xsd#schw_SeriesIPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7b2a-b3cd-cd42a83dc628" xlink:to="loc_schw_SeriesIPreferredStockMember_019cb98b-a2f4-7805-b20d-2c97339489f4" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeriesJPreferredStockMember_019cb98b-a2f4-70ab-96a6-d277dedb1b95" xlink:href="schw-20260331.xsd#schw_SeriesJPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7b2a-b3cd-cd42a83dc628" xlink:to="loc_schw_SeriesJPreferredStockMember_019cb98b-a2f4-70ab-96a6-d277dedb1b95" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SeriesKPreferredStockMember_019cb98b-a2f4-7910-beb2-d7da36e71ac9" xlink:href="schw-20260331.xsd#schw_SeriesKPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7b2a-b3cd-cd42a83dc628" xlink:to="loc_schw_SeriesKPreferredStockMember_019cb98b-a2f4-7910-beb2-d7da36e71ac9" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStockCash_019cb98b-a2f4-75b1-8dcc-3685325b1df1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendsPreferredStockCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-78b8-95dd-11ead6e6f8bb" xlink:to="loc_us-gaap_DividendsPreferredStockCash_019cb98b-a2f4-75b1-8dcc-3685325b1df1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsPerShareDeclared_019cb98b-a2f4-7bc2-bd2f-f08d76618116" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendsPerShareDeclared"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_019cb98b-a2f4-78b8-95dd-11ead6e6f8bb" xlink:to="loc_us-gaap_PreferredStockDividendsPerShareDeclared_019cb98b-a2f4-7bc2-bd2f-f08d76618116" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/AccumulatedOtherComprehensiveIncomeAccumulatedOtherComprehensiveIncomeDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#AccumulatedOtherComprehensiveIncomeAccumulatedOtherComprehensiveIncomeDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/AccumulatedOtherComprehensiveIncomeAccumulatedOtherComprehensiveIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cb98b-a2f4-706e-8d32-47f61199f4c4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019cb98b-a2f4-76fc-a2d5-69609937e4ba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cb98b-a2f4-706e-8d32-47f61199f4c4" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019cb98b-a2f4-76fc-a2d5-69609937e4ba" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019cb98b-a2f4-7b58-9381-07707c39dc87" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019cb98b-a2f4-76fc-a2d5-69609937e4ba" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019cb98b-a2f4-7b58-9381-07707c39dc87" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019cb98b-a2f4-7b58-9381-07707c39dc87_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019cb98b-a2f4-7b58-9381-07707c39dc87" xlink:to="loc_us-gaap_EquityComponentDomain_019cb98b-a2f4-7b58-9381-07707c39dc87_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019cb98b-a2f4-733b-857e-3d446961703f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019cb98b-a2f4-7b58-9381-07707c39dc87" xlink:to="loc_us-gaap_EquityComponentDomain_019cb98b-a2f4-733b-857e-3d446961703f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cb98b-a2f4-7714-bb09-585ce149fd9b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019cb98b-a2f4-733b-857e-3d446961703f" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cb98b-a2f4-7714-bb09-585ce149fd9b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_019cb98b-a2f4-76bf-9b83-20e57e5acb63" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cb98b-a2f4-7714-bb09-585ce149fd9b" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_019cb98b-a2f4-76bf-9b83-20e57e5acb63" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_AmortizationOfHeldToMaturitySecuritiesTransferredFromAvailableForSaleAttributableToParentMember_019cb98b-a2f4-7546-b6ea-03005d383372" xlink:href="schw-20260331.xsd#schw_AmortizationOfHeldToMaturitySecuritiesTransferredFromAvailableForSaleAttributableToParentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cb98b-a2f4-7714-bb09-585ce149fd9b" xlink:to="loc_schw_AmortizationOfHeldToMaturitySecuritiesTransferredFromAvailableForSaleAttributableToParentMember_019cb98b-a2f4-7546-b6ea-03005d383372" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_019cb98b-a2f4-7e21-a501-3edc528b17a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cb98b-a2f4-7714-bb09-585ce149fd9b" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_019cb98b-a2f4-7e21-a501-3edc528b17a8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_OtherAccumulatedOtherComprehensiveIncomeMember_019cb98b-a2f4-7e0a-9a0f-553d05631836" xlink:href="schw-20260331.xsd#schw_OtherAccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019cb98b-a2f4-7714-bb09-585ce149fd9b" xlink:to="loc_schw_OtherAccumulatedOtherComprehensiveIncomeMember_019cb98b-a2f4-7e0a-9a0f-553d05631836" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_019cb98b-a2f4-7df3-a339-5e77ea53aef3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cb98b-a2f4-706e-8d32-47f61199f4c4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_019cb98b-a2f4-7df3-a339-5e77ea53aef3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_019cb98b-a2f4-77a9-9d59-03536d0603d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cb98b-a2f4-706e-8d32-47f61199f4c4" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_019cb98b-a2f4-77a9-9d59-03536d0603d9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019cb98b-a2f4-7a0c-8697-0213c2754679" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cb98b-a2f4-706e-8d32-47f61199f4c4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019cb98b-a2f4-7a0c-8697-0213c2754679" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax_019cb98b-a2f4-7841-bbcb-9f359cfc5c8d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cb98b-a2f4-706e-8d32-47f61199f4c4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax_019cb98b-a2f4-7841-bbcb-9f359cfc5c8d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cb98b-a2f4-7b92-85b7-cfcccca6be76" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AOCIAttributableToParentNetOfTaxRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019cb98b-a2f4-706e-8d32-47f61199f4c4" xlink:to="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cb98b-a2f4-7b92-85b7-cfcccca6be76" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cb98b-a2f4-78fd-9056-46f1ddd74454" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cb98b-a2f4-7b92-85b7-cfcccca6be76" xlink:to="loc_us-gaap_StockholdersEquity_019cb98b-a2f4-78fd-9056-46f1ddd74454" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cb98b-a2f4-7856-bf37-9bf2686ea6b0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cb98b-a2f4-7b92-85b7-cfcccca6be76" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019cb98b-a2f4-7856-bf37-9bf2686ea6b0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cb98b-a2f4-7be7-ad41-0eabeea172b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cb98b-a2f4-7b92-85b7-cfcccca6be76" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019cb98b-a2f4-7be7-ad41-0eabeea172b1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cb98b-a2f4-78b1-a063-56efcbce004c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_019cb98b-a2f4-7b92-85b7-cfcccca6be76" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019cb98b-a2f4-78b1-a063-56efcbce004c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019cb98b-a2f4-7ed1-bda7-67aa6b3860a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/EarningsPerCommonShareNarrativeDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#EarningsPerCommonShareNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/EarningsPerCommonShareNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsidiaryOrEquityMethodInvesteeLineItems_019cb98b-a2f4-7657-9806-d7adf511c03e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsidiaryOrEquityMethodInvesteeLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSubsidiaryOrEquityMethodInvesteeTable_019cb98b-a2f4-757a-8d9a-106787b49922" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfSubsidiaryOrEquityMethodInvesteeTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_SubsidiaryOrEquityMethodInvesteeLineItems_019cb98b-a2f4-7657-9806-d7adf511c03e" xlink:to="loc_us-gaap_ScheduleOfSubsidiaryOrEquityMethodInvesteeTable_019cb98b-a2f4-757a-8d9a-106787b49922" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7c25-b96b-79c51ab34e07" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfSubsidiaryOrEquityMethodInvesteeTable_019cb98b-a2f4-757a-8d9a-106787b49922" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7c25-b96b-79c51ab34e07" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7c25-b96b-79c51ab34e07_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7c25-b96b-79c51ab34e07" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7c25-b96b-79c51ab34e07_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-71ee-be3d-ecfa0fc8595f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7c25-b96b-79c51ab34e07" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-71ee-be3d-ecfa0fc8595f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonvotingCommonStockMember_019cb98b-a2f4-75d8-8be1-165f160f8802" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonvotingCommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-71ee-be3d-ecfa0fc8595f" xlink:to="loc_us-gaap_NonvotingCommonStockMember_019cb98b-a2f4-75d8-8be1-165f160f8802" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019cb98b-a2f4-71ee-b0d2-2a7742ae607f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsidiaryOrEquityMethodInvesteeLineItems_019cb98b-a2f4-7657-9806-d7adf511c03e" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_019cb98b-a2f4-71ee-b0d2-2a7742ae607f" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/EarningsPerCommonShareEPSUnderBasicandDilutedComputationsDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#EarningsPerCommonShareEPSUnderBasicandDilutedComputationsDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/EarningsPerCommonShareEPSUnderBasicandDilutedComputationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_019cb98b-a2f4-712a-96cc-5269969f843b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_019cb98b-a2f4-712a-96cc-5269969f843b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7c36-b190-23f730291631" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_019cb98b-a2f4-712a-96cc-5269969f843b" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7c36-b190-23f730291631" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7c36-b190-23f730291631_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7c36-b190-23f730291631" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-7c36-b190-23f730291631_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-771a-9e0b-152a570ad81c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019cb98b-a2f4-7c36-b190-23f730291631" xlink:to="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-771a-9e0b-152a570ad81c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CommonStockAndNonvotingCommonStockMember_019d9386-9b67-78b4-b1b7-1362e4b38a31" xlink:href="schw-20260331.xsd#schw_CommonStockAndNonvotingCommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019cb98b-a2f4-771a-9e0b-152a570ad81c" xlink:to="loc_schw_CommonStockAndNonvotingCommonStockMember_019d9386-9b67-78b4-b1b7-1362e4b38a31" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019cb98b-a2f4-7d34-863a-ebc68261875a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_CommonStockAndNonvotingCommonStockMember_019d9386-9b67-78b4-b1b7-1362e4b38a31" xlink:to="loc_us-gaap_CommonStockMember_019cb98b-a2f4-7d34-863a-ebc68261875a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonvotingCommonStockMember_019cb98b-a2f4-750e-bd44-60f3bc230424" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NonvotingCommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_CommonStockAndNonvotingCommonStockMember_019d9386-9b67-78b4-b1b7-1362e4b38a31" xlink:to="loc_us-gaap_NonvotingCommonStockMember_019cb98b-a2f4-750e-bd44-60f3bc230424" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019cb98b-a2f4-79e1-9329-88ed58c50308" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_us-gaap_NetIncomeLoss_019cb98b-a2f4-79e1-9329-88ed58c50308" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsAndOtherAdjustments_019cb98b-a2f4-7077-8bdf-2b329deb26a2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendsAndOtherAdjustments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_us-gaap_PreferredStockDividendsAndOtherAdjustments_019cb98b-a2f4-7077-8bdf-2b329deb26a2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019cb98b-a2f4-78aa-a173-866f6f1e5e47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019cb98b-a2f4-78aa-a173-866f6f1e5e47" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DilutiveSecurities_019d93c2-4753-74ac-9b5d-35622053a7d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DilutiveSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_us-gaap_DilutiveSecurities_019d93c2-4753-74ac-9b5d-35622053a7d3" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019d93c2-4753-7219-9151-f18bfb86312d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019d93c2-4753-7219-9151-f18bfb86312d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019cb98b-a2f4-7084-994a-14c69b968120" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019cb98b-a2f4-7084-994a-14c69b968120" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_IncrementalCommonSharesAttributableToDilutiveEffectOfConversionOfNonvotingSharesToVotingShares_019d969a-1bb1-7aaf-bb5c-9b89e38882c3" xlink:href="schw-20260331.xsd#schw_IncrementalCommonSharesAttributableToDilutiveEffectOfConversionOfNonvotingSharesToVotingShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_schw_IncrementalCommonSharesAttributableToDilutiveEffectOfConversionOfNonvotingSharesToVotingShares_019d969a-1bb1-7aaf-bb5c-9b89e38882c3" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_019cb98b-a2f4-7313-b6b3-03065ff8e274" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_019cb98b-a2f4-7313-b6b3-03065ff8e274" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cb98b-a2f4-7bc6-ab3d-d09c0bddbad9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019cb98b-a2f4-7bc6-ab3d-d09c0bddbad9" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_019cb98b-a2f4-7429-ac56-16adb4e130a1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_us-gaap_EarningsPerShareBasic_019cb98b-a2f4-7429-ac56-16adb4e130a1" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_019cb98b-a2f4-7192-992a-b6ab8e5b33bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_us-gaap_EarningsPerShareDiluted_019cb98b-a2f4-7192-992a-b6ab8e5b33bb" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_019cb98b-a2f4-790d-8ee7-0da85f02ec71" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019cb98b-a2f4-7e19-9f92-ce742a627ed7" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_019cb98b-a2f4-790d-8ee7-0da85f02ec71" xlink:type="arc" order="11"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/RegulatoryRequirementsRegulatoryCapitalandRatiosDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#RegulatoryRequirementsRegulatoryCapitalandRatiosDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/RegulatoryRequirementsRegulatoryCapitalandRatiosDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7699-bca4-fa64b08d0e2b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cb98b-a2f4-70c0-8bf0-bf9220df3b9b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7699-bca4-fa64b08d0e2b" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cb98b-a2f4-70c0-8bf0-bf9220df3b9b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019cb98b-a2f4-7010-81b0-d25dad483855" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LegalEntityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cb98b-a2f4-70c0-8bf0-bf9220df3b9b" xlink:to="loc_dei_LegalEntityAxis_019cb98b-a2f4-7010-81b0-d25dad483855" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019cb98b-a2f4-7010-81b0-d25dad483855_default" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_dei_LegalEntityAxis_019cb98b-a2f4-7010-81b0-d25dad483855" xlink:to="loc_dei_EntityDomain_019cb98b-a2f4-7010-81b0-d25dad483855_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019cb98b-a2f4-78b5-b716-920c5925c4a7" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_dei_LegalEntityAxis_019cb98b-a2f4-7010-81b0-d25dad483855" xlink:to="loc_dei_EntityDomain_019cb98b-a2f4-78b5-b716-920c5925c4a7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CharlesSchwabCorporationMember_019cb98b-a2f4-7d57-ae0c-59d438001539" xlink:href="schw-20260331.xsd#schw_CharlesSchwabCorporationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_019cb98b-a2f4-78b5-b716-920c5925c4a7" xlink:to="loc_schw_CharlesSchwabCorporationMember_019cb98b-a2f4-7d57-ae0c-59d438001539" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CharlesSchwabBankSSBMember_019cb98b-a2f4-7f1d-9ac2-ab9f72375fdc" xlink:href="schw-20260331.xsd#schw_CharlesSchwabBankSSBMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_019cb98b-a2f4-78b5-b716-920c5925c4a7" xlink:to="loc_schw_CharlesSchwabBankSSBMember_019cb98b-a2f4-7f1d-9ac2-ab9f72375fdc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalAbstract_019cb98b-a3ca-75e6-952a-c727ae457783" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonEquityTierOneCapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7699-bca4-fa64b08d0e2b" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalAbstract_019cb98b-a3ca-75e6-952a-c727ae457783" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapital_019cb98b-a3ca-79c0-b067-ad79bfdbf0bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonEquityTierOneCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_019cb98b-a3ca-75e6-952a-c727ae457783" xlink:to="loc_us-gaap_CommonEquityTierOneCapital_019cb98b-a3ca-79c0-b067-ad79bfdbf0bb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRatio_019cb98b-a3ca-77f2-8886-449ef6b2f749" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonEquityTierOneCapitalRatio"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_019cb98b-a3ca-75e6-952a-c727ae457783" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRatio_019cb98b-a3ca-77f2-8886-449ef6b2f749" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_019cb98b-a3ca-78ab-894e-51d85c52ed41" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_019cb98b-a3ca-75e6-952a-c727ae457783" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_019cb98b-a3ca-78ab-894e-51d85c52ed41" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_019cb98b-a3ca-7d43-aba2-7806a768712e" xlink:href="schw-20260331.xsd#schw_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_019cb98b-a3ca-75e6-952a-c727ae457783" xlink:to="loc_schw_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_019cb98b-a3ca-7d43-aba2-7806a768712e" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_019cb98b-a3ca-7807-a77d-5013b8d36b41" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_019cb98b-a3ca-75e6-952a-c727ae457783" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_019cb98b-a3ca-7807-a77d-5013b8d36b41" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_019cb98b-a3ca-7b26-abd2-edbcfb78c6ee" xlink:href="schw-20260331.xsd#schw_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_019cb98b-a3ca-75e6-952a-c727ae457783" xlink:to="loc_schw_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_019cb98b-a3ca-7b26-abd2-edbcfb78c6ee" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalAbstract_019cb98b-a3ca-765b-a0ab-ef42c0918ae5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7699-bca4-fa64b08d0e2b" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalAbstract_019cb98b-a3ca-765b-a0ab-ef42c0918ae5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapital_019cb98b-a3ca-72dd-8dad-20cdf9e84910" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_019cb98b-a3ca-765b-a0ab-ef42c0918ae5" xlink:to="loc_us-gaap_TierOneRiskBasedCapital_019cb98b-a3ca-72dd-8dad-20cdf9e84910" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_019cb98b-a3ca-70a1-a8b1-5c45d94b901f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_019cb98b-a3ca-765b-a0ab-ef42c0918ae5" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_019cb98b-a3ca-70a1-a8b1-5c45d94b901f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_019cb98b-a3ca-7b0a-aabd-c1458abe879e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_019cb98b-a3ca-765b-a0ab-ef42c0918ae5" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_019cb98b-a3ca-7b0a-aabd-c1458abe879e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_019cb98b-a3ca-7ee1-85f0-c461d11a4424" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_019cb98b-a3ca-765b-a0ab-ef42c0918ae5" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_019cb98b-a3ca-7ee1-85f0-c461d11a4424" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_019cb98b-a3ca-73d9-8a26-be9300b953d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_019cb98b-a3ca-765b-a0ab-ef42c0918ae5" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_019cb98b-a3ca-73d9-8a26-be9300b953d9" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_019cb98b-a3ca-720a-8fe8-938f3231cf2c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_019cb98b-a3ca-765b-a0ab-ef42c0918ae5" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_019cb98b-a3ca-720a-8fe8-938f3231cf2c" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalAbstract_019cb98b-a3ca-7836-bf3e-60844ff0e5d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7699-bca4-fa64b08d0e2b" xlink:to="loc_us-gaap_CapitalAbstract_019cb98b-a3ca-7836-bf3e-60844ff0e5d4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Capital_019cb98b-a3ca-7820-8470-59af65161666" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Capital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_019cb98b-a3ca-7836-bf3e-60844ff0e5d4" xlink:to="loc_us-gaap_Capital_019cb98b-a3ca-7820-8470-59af65161666" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalToRiskWeightedAssets_019cb98b-a3ca-7065-a765-29c2337bb0dc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_019cb98b-a3ca-7836-bf3e-60844ff0e5d4" xlink:to="loc_us-gaap_CapitalToRiskWeightedAssets_019cb98b-a3ca-7065-a765-29c2337bb0dc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalized_019cb98b-a3ca-78b8-a051-6d8b545e946d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalRequiredToBeWellCapitalized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_019cb98b-a3ca-7836-bf3e-60844ff0e5d4" xlink:to="loc_us-gaap_CapitalRequiredToBeWellCapitalized_019cb98b-a3ca-78b8-a051-6d8b545e946d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_019cb98b-a3ca-761f-bf07-bada3552a751" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_019cb98b-a3ca-7836-bf3e-60844ff0e5d4" xlink:to="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_019cb98b-a3ca-761f-bf07-bada3552a751" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacy_019cb98b-a3ca-741a-89ef-98e019ca537b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_019cb98b-a3ca-7836-bf3e-60844ff0e5d4" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacy_019cb98b-a3ca-741a-89ef-98e019ca537b" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_019cb98b-a3ca-7a74-986a-9983ffbbd3c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_019cb98b-a3ca-7836-bf3e-60844ff0e5d4" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_019cb98b-a3ca-7a74-986a-9983ffbbd3c7" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalAbstract_019cb98b-a3ca-7075-9728-4c23287bb026" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7699-bca4-fa64b08d0e2b" xlink:to="loc_us-gaap_TierOneLeverageCapitalAbstract_019cb98b-a3ca-7075-9728-4c23287bb026" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital_019cb98b-a3ca-7d2c-8c7e-b213dbd33bff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_019cb98b-a3ca-7075-9728-4c23287bb026" xlink:to="loc_us-gaap_TierOneLeverageCapital_019cb98b-a3ca-7d2c-8c7e-b213dbd33bff" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_019cb98b-a3ca-7b8b-a06c-efe93e545239" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_019cb98b-a3ca-7075-9728-4c23287bb026" xlink:to="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_019cb98b-a3ca-7b8b-a06c-efe93e545239" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_019cb98b-a3ca-7f0d-ad2c-ed351d2d5657" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_019cb98b-a3ca-7075-9728-4c23287bb026" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_019cb98b-a3ca-7f0d-ad2c-ed351d2d5657" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_019cb98b-a3ca-7a62-bf0f-fd876087030c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_019cb98b-a3ca-7075-9728-4c23287bb026" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_019cb98b-a3ca-7a62-bf0f-fd876087030c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_019cb98b-a3ca-7cf9-87db-f4e3752454fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_019cb98b-a3ca-7075-9728-4c23287bb026" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_019cb98b-a3ca-7cf9-87db-f4e3752454fe" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_019cb98b-a3ca-760a-956d-0e2c593acb17" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_019cb98b-a3ca-7075-9728-4c23287bb026" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_019cb98b-a3ca-760a-956d-0e2c593acb17" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SupplementalLeverageRatioAbstract_019cb98b-a3ca-78ca-b88b-d7babe159a71" xlink:href="schw-20260331.xsd#schw_SupplementalLeverageRatioAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7699-bca4-fa64b08d0e2b" xlink:to="loc_schw_SupplementalLeverageRatioAbstract_019cb98b-a3ca-78ca-b88b-d7babe159a71" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SupplementaryLeverageRatioCapital_019cb98b-a3ca-7c54-b60d-3e3854203060" xlink:href="schw-20260331.xsd#schw_SupplementaryLeverageRatioCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_SupplementalLeverageRatioAbstract_019cb98b-a3ca-78ca-b88b-d7babe159a71" xlink:to="loc_schw_SupplementaryLeverageRatioCapital_019cb98b-a3ca-7c54-b60d-3e3854203060" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementaryLeverageRatio_019cb98b-a3ca-7aaa-950e-d2c51d7f59e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SupplementaryLeverageRatio"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_SupplementalLeverageRatioAbstract_019cb98b-a3ca-78ca-b88b-d7babe159a71" xlink:to="loc_us-gaap_SupplementaryLeverageRatio_019cb98b-a3ca-7aaa-950e-d2c51d7f59e5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_SupplementaryLeverageRatioCapitalRequiredForCapitalAdequacy_019cb98b-a3ca-737e-8d7c-1c11cc930712" xlink:href="schw-20260331.xsd#schw_SupplementaryLeverageRatioCapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_SupplementalLeverageRatioAbstract_019cb98b-a3ca-78ca-b88b-d7babe159a71" xlink:to="loc_schw_SupplementaryLeverageRatioCapitalRequiredForCapitalAdequacy_019cb98b-a3ca-737e-8d7c-1c11cc930712" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationSupplementaryLeverageRatioCapitalAdequacyMinimum_019cb98b-a3ca-7832-aa3a-92aead23e99a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankingRegulationSupplementaryLeverageRatioCapitalAdequacyMinimum"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_schw_SupplementalLeverageRatioAbstract_019cb98b-a3ca-78ca-b88b-d7babe159a71" xlink:to="loc_us-gaap_BankingRegulationSupplementaryLeverageRatioCapitalAdequacyMinimum_019cb98b-a3ca-7832-aa3a-92aead23e99a" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/RegulatoryRequirementsNarrativeDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#RegulatoryRequirementsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/RegulatoryRequirementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7c1e-bc44-257ce254df8e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cb98b-a3ca-7cbe-a1f6-62ce5046af3f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7c1e-bc44-257ce254df8e" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cb98b-a3ca-7cbe-a1f6-62ce5046af3f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019cb98b-a3ca-7d05-ab72-829dfae85b16" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LegalEntityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cb98b-a3ca-7cbe-a1f6-62ce5046af3f" xlink:to="loc_dei_LegalEntityAxis_019cb98b-a3ca-7d05-ab72-829dfae85b16" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019cb98b-a3ca-7d05-ab72-829dfae85b16_default" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_dei_LegalEntityAxis_019cb98b-a3ca-7d05-ab72-829dfae85b16" xlink:to="loc_dei_EntityDomain_019cb98b-a3ca-7d05-ab72-829dfae85b16_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019cb98b-a3ca-7d13-8c52-02440a594143" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_dei_LegalEntityAxis_019cb98b-a3ca-7d05-ab72-829dfae85b16" xlink:to="loc_dei_EntityDomain_019cb98b-a3ca-7d13-8c52-02440a594143" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CharlesSchwabPremierBankSSBMember_019cb98b-a3ca-7674-be71-411e0c6b4964" xlink:href="schw-20260331.xsd#schw_CharlesSchwabPremierBankSSBMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_019cb98b-a3ca-7d13-8c52-02440a594143" xlink:to="loc_schw_CharlesSchwabPremierBankSSBMember_019cb98b-a3ca-7674-be71-411e0c6b4964" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CharlesSchwabTrustBankMember_019cb98b-a3ca-7ab2-9d52-328dcfbd938a" xlink:href="schw-20260331.xsd#schw_CharlesSchwabTrustBankMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_019cb98b-a3ca-7d13-8c52-02440a594143" xlink:to="loc_schw_CharlesSchwabTrustBankMember_019cb98b-a3ca-7ab2-9d52-328dcfbd938a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019cb98b-a3ca-7963-803d-6be5bb779d19" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7c1e-bc44-257ce254df8e" xlink:to="loc_us-gaap_Assets_019cb98b-a3ca-7963-803d-6be5bb779d19" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/RegulatoryRequirementsNetCapitalandNetCapitalRequirementsDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#RegulatoryRequirementsNetCapitalandNetCapitalRequirementsDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/RegulatoryRequirementsNetCapitalandNetCapitalRequirementsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7676-8bd3-9e4e0f5b1ea4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cb98b-a3ca-76d2-b67e-3bb5e951f7f8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7676-8bd3-9e4e0f5b1ea4" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cb98b-a3ca-76d2-b67e-3bb5e951f7f8" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_019cb98b-a3ca-7df3-b28a-c91fe6060aeb" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LegalEntityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_019cb98b-a3ca-76d2-b67e-3bb5e951f7f8" xlink:to="loc_dei_LegalEntityAxis_019cb98b-a3ca-7df3-b28a-c91fe6060aeb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019cb98b-a3ca-7df3-b28a-c91fe6060aeb_default" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_dei_LegalEntityAxis_019cb98b-a3ca-7df3-b28a-c91fe6060aeb" xlink:to="loc_dei_EntityDomain_019cb98b-a3ca-7df3-b28a-c91fe6060aeb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_019cb98b-a3ca-79ea-aa2f-c1c8aaf1b02e" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_dei_LegalEntityAxis_019cb98b-a3ca-7df3-b28a-c91fe6060aeb" xlink:to="loc_dei_EntityDomain_019cb98b-a3ca-79ea-aa2f-c1c8aaf1b02e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_CharlesSchwabCoIncMember_019cb98b-a3ca-7ac4-8d0c-8e432e9fbf7d" xlink:href="schw-20260331.xsd#schw_CharlesSchwabCoIncMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_019cb98b-a3ca-79ea-aa2f-c1c8aaf1b02e" xlink:to="loc_schw_CharlesSchwabCoIncMember_019cb98b-a3ca-7ac4-8d0c-8e432e9fbf7d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NetCapital_019cb98b-a3ca-7048-aa31-6992b80b8dbb" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_NetCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7676-8bd3-9e4e0f5b1ea4" xlink:to="loc_srt_NetCapital_019cb98b-a3ca-7048-aa31-6992b80b8dbb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumNetCapitalRequired1_019cb98b-a3ca-75b8-9b22-e73af32b46cc" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumNetCapitalRequired1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7676-8bd3-9e4e0f5b1ea4" xlink:to="loc_srt_MinimumNetCapitalRequired1_019cb98b-a3ca-75b8-9b22-e73af32b46cc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_AlternativeNetCapitalRequirement1_019cb98b-a3ca-7154-a932-a6df9bc49eb3" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_AlternativeNetCapitalRequirement1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7676-8bd3-9e4e0f5b1ea4" xlink:to="loc_srt_AlternativeNetCapitalRequirement1_019cb98b-a3ca-7154-a932-a6df9bc49eb3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_AlternativeExcessNetCapital_019cb98b-a3ca-766c-b860-1f0532474846" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_AlternativeExcessNetCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_019cb98b-a3ca-7676-8bd3-9e4e0f5b1ea4" xlink:to="loc_srt_AlternativeExcessNetCapital_019cb98b-a3ca-766c-b860-1f0532474846" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/SegmentInformationNarrativeDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#SegmentInformationNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/SegmentInformationNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems_019cb98b-a3ca-78b0-8bfc-fe6d5474ad21" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019cb98b-a3ca-7816-a11e-3c8cdf076007" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cb98b-a3ca-78b0-8bfc-fe6d5474ad21" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019cb98b-a3ca-7816-a11e-3c8cdf076007" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsAxis_019cb98b-a3ca-700a-9806-e71c07337363" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidationItemsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019cb98b-a3ca-7816-a11e-3c8cdf076007" xlink:to="loc_srt_ConsolidationItemsAxis_019cb98b-a3ca-700a-9806-e71c07337363" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsDomain_019cb98b-a3ca-700a-9806-e71c07337363_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidationItemsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidationItemsAxis_019cb98b-a3ca-700a-9806-e71c07337363" xlink:to="loc_srt_ConsolidationItemsDomain_019cb98b-a3ca-700a-9806-e71c07337363_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsDomain_019cb98b-a3ca-7404-8c19-130dfe7ad337" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidationItemsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidationItemsAxis_019cb98b-a3ca-700a-9806-e71c07337363" xlink:to="loc_srt_ConsolidationItemsDomain_019cb98b-a3ca-7404-8c19-130dfe7ad337" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntersegmentEliminationMember_019cb98b-a3ca-77cf-bd9a-25716a9fbd2b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntersegmentEliminationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidationItemsDomain_019cb98b-a3ca-7404-8c19-130dfe7ad337" xlink:to="loc_us-gaap_IntersegmentEliminationMember_019cb98b-a3ca-77cf-bd9a-25716a9fbd2b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NumberOfReportableSegments_019cb98b-a3ca-7a96-a89e-9db10c9cf167" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NumberOfReportableSegments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cb98b-a3ca-78b0-8bfc-fe6d5474ad21" xlink:to="loc_us-gaap_NumberOfReportableSegments_019cb98b-a3ca-7a96-a89e-9db10c9cf167" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019cb98b-a3ca-7702-b91f-8cda0bee1878" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cb98b-a3ca-78b0-8bfc-fe6d5474ad21" xlink:to="loc_us-gaap_Revenues_019cb98b-a3ca-7702-b91f-8cda0bee1878" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.schwab.com/role/SegmentInformationFinancialInformationforReportableSegmentsDetails" xlink:type="simple" xlink:href="schw-20260331.xsd#SegmentInformationFinancialInformationforReportableSegmentsDetails"/>
  <link:definitionLink xlink:role="http://www.schwab.com/role/SegmentInformationFinancialInformationforReportableSegmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems_019cb98b-a3ca-7fe3-931d-40fe0df44e66" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019cb98b-a3ca-7922-9139-f8c136980273" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cb98b-a3ca-7fe3-931d-40fe0df44e66" xlink:to="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019cb98b-a3ca-7922-9139-f8c136980273" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis_019cb98b-a3ca-7e0b-8a84-1066e71b7837" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019cb98b-a3ca-7922-9139-f8c136980273" xlink:to="loc_us-gaap_StatementBusinessSegmentsAxis_019cb98b-a3ca-7e0b-8a84-1066e71b7837" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_019cb98b-a3ca-7e0b-8a84-1066e71b7837_default" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_019cb98b-a3ca-7e0b-8a84-1066e71b7837" xlink:to="loc_us-gaap_SegmentDomain_019cb98b-a3ca-7e0b-8a84-1066e71b7837_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain_019cb98b-a3ca-77f2-8b74-4355c6cbae87" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis_019cb98b-a3ca-7e0b-8a84-1066e71b7837" xlink:to="loc_us-gaap_SegmentDomain_019cb98b-a3ca-77f2-8b74-4355c6cbae87" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_InvestorServicesMember_019cb98b-a3ca-73ba-8bf2-6e45d7b296fd" xlink:href="schw-20260331.xsd#schw_InvestorServicesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentDomain_019cb98b-a3ca-77f2-8b74-4355c6cbae87" xlink:to="loc_schw_InvestorServicesMember_019cb98b-a3ca-73ba-8bf2-6e45d7b296fd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_AdvisorServicesMember_019cb98b-a3ca-7ba1-87ff-1b698a93ca29" xlink:href="schw-20260331.xsd#schw_AdvisorServicesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentDomain_019cb98b-a3ca-77f2-8b74-4355c6cbae87" xlink:to="loc_schw_AdvisorServicesMember_019cb98b-a3ca-7ba1-87ff-1b698a93ca29" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_019cb98b-a3ca-7a20-b22e-867a508fb4c9" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductOrServiceAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_019cb98b-a3ca-7922-9139-f8c136980273" xlink:to="loc_srt_ProductOrServiceAxis_019cb98b-a3ca-7a20-b22e-867a508fb4c9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019cb98b-a3ca-7a20-b22e-867a508fb4c9_default" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductsAndServicesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ProductOrServiceAxis_019cb98b-a3ca-7a20-b22e-867a508fb4c9" xlink:to="loc_srt_ProductsAndServicesDomain_019cb98b-a3ca-7a20-b22e-867a508fb4c9_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019cb98b-a3ca-7a5c-b54d-ff6b951a233f" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductsAndServicesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ProductOrServiceAxis_019cb98b-a3ca-7a20-b22e-867a508fb4c9" xlink:to="loc_srt_ProductsAndServicesDomain_019cb98b-a3ca-7a5c-b54d-ff6b951a233f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_AssetManagementAndAdministrationServiceMember_019cb98b-a3ca-761c-903e-a144e161ea53" xlink:href="schw-20260331.xsd#schw_AssetManagementAndAdministrationServiceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019cb98b-a3ca-7a5c-b54d-ff6b951a233f" xlink:to="loc_schw_AssetManagementAndAdministrationServiceMember_019cb98b-a3ca-761c-903e-a144e161ea53" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_TradingRevenueServiceMember_019cb98b-a3ca-7d96-8d76-74eeb73cdf53" xlink:href="schw-20260331.xsd#schw_TradingRevenueServiceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019cb98b-a3ca-7a5c-b54d-ff6b951a233f" xlink:to="loc_schw_TradingRevenueServiceMember_019cb98b-a3ca-7d96-8d76-74eeb73cdf53" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_BankDepositAccountFeesMember_019cb98b-a3ca-7d62-b080-bfc8ce305cd8" xlink:href="schw-20260331.xsd#schw_BankDepositAccountFeesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019cb98b-a3ca-7a5c-b54d-ff6b951a233f" xlink:to="loc_schw_BankDepositAccountFeesMember_019cb98b-a3ca-7d62-b080-bfc8ce305cd8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProductAndServiceOtherMember_019cb98b-a3ca-7940-b77f-fccf71074d0a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProductAndServiceOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019cb98b-a3ca-7a5c-b54d-ff6b951a233f" xlink:to="loc_us-gaap_ProductAndServiceOtherMember_019cb98b-a3ca-7940-b77f-fccf71074d0a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenuesAbstract_019cb98b-a3ca-7e8d-9211-f55a20e5132a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenuesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cb98b-a3ca-7fe3-931d-40fe0df44e66" xlink:to="loc_us-gaap_RevenuesAbstract_019cb98b-a3ca-7e8d-9211-f55a20e5132a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019cb98b-a3ca-7106-8d09-7622749aa9d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenuesAbstract_019cb98b-a3ca-7e8d-9211-f55a20e5132a" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019cb98b-a3ca-7106-8d09-7622749aa9d4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019cb98b-a3ca-7950-83be-2d8fc5926253" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenuesAbstract_019cb98b-a3ca-7e8d-9211-f55a20e5132a" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019cb98b-a3ca-7950-83be-2d8fc5926253" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019cb98b-a3ca-7396-924f-99620a16122b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Revenues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RevenuesAbstract_019cb98b-a3ca-7e8d-9211-f55a20e5132a" xlink:to="loc_us-gaap_Revenues_019cb98b-a3ca-7396-924f-99620a16122b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a3ca-7e95-b317-ccf34d62fdd7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cb98b-a3ca-7fe3-931d-40fe0df44e66" xlink:to="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a3ca-7e95-b317-ccf34d62fdd7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019cb98b-a3ca-75df-bb7b-5b6dc85a26db" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a3ca-7e95-b317-ccf34d62fdd7" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019cb98b-a3ca-75df-bb7b-5b6dc85a26db" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_019cb98b-a3ca-77b3-aeb3-e1dd978309ea" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfessionalFees"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a3ca-7e95-b317-ccf34d62fdd7" xlink:to="loc_us-gaap_ProfessionalFees_019cb98b-a3ca-77b3-aeb3-e1dd978309ea" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet_019cb98b-a3ca-746b-9bcd-721a3314ff6b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OccupancyNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a3ca-7e95-b317-ccf34d62fdd7" xlink:to="loc_us-gaap_OccupancyNet_019cb98b-a3ca-746b-9bcd-721a3314ff6b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketingAndAdvertisingExpense_019cb98b-a3ca-7254-a41c-1a7ce584a5cf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketingAndAdvertisingExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a3ca-7e95-b317-ccf34d62fdd7" xlink:to="loc_us-gaap_MarketingAndAdvertisingExpense_019cb98b-a3ca-7254-a41c-1a7ce584a5cf" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Communication_019cb98b-a3ca-7cc5-b87c-9415f3d503b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Communication"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a3ca-7e95-b317-ccf34d62fdd7" xlink:to="loc_us-gaap_Communication_019cb98b-a3ca-7cc5-b87c-9415f3d503b8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_DepreciationAndAmortizationExcludingAmortizationOfIntangibleAssets_019cb98b-a3ca-75aa-821f-226f07996e39" xlink:href="schw-20260331.xsd#schw_DepreciationAndAmortizationExcludingAmortizationOfIntangibleAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a3ca-7e95-b317-ccf34d62fdd7" xlink:to="loc_schw_DepreciationAndAmortizationExcludingAmortizationOfIntangibleAssets_019cb98b-a3ca-75aa-821f-226f07996e39" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_019cb98b-a3ca-78a3-aac6-c621fcabfa67" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a3ca-7e95-b317-ccf34d62fdd7" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_019cb98b-a3ca-78a3-aac6-c621fcabfa67" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_RegulatoryFeesAndAssessments_019cb98b-a3ca-78ad-bf9d-1b86405f6ac0" xlink:href="schw-20260331.xsd#schw_RegulatoryFeesAndAssessments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a3ca-7e95-b317-ccf34d62fdd7" xlink:to="loc_schw_RegulatoryFeesAndAssessments_019cb98b-a3ca-78ad-bf9d-1b86405f6ac0" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherExpenses_019cb98b-a3ca-7069-aaf0-3950ed7088b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherExpenses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a3ca-7e95-b317-ccf34d62fdd7" xlink:to="loc_us-gaap_OtherExpenses_019cb98b-a3ca-7069-aaf0-3950ed7088b9" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_019cb98b-a3ca-7785-9562-4cccf365cd9f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019cb98b-a3ca-7e95-b317-ccf34d62fdd7" xlink:to="loc_us-gaap_NoninterestExpense_019cb98b-a3ca-7785-9562-4cccf365cd9f" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cb98b-a3ca-7373-89eb-a25c73aad7ca" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems_019cb98b-a3ca-7fe3-931d-40fe0df44e66" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019cb98b-a3ca-7373-89eb-a25c73aad7ca" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/IndividualsOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#IndividualsOnly"/>
  <link:definitionLink xlink:role="http://xbrl.sec.gov/ecd/role/IndividualsOnly" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember"/>
    <link:loc xlink:type="locator" xlink:label="loc_schw_JonathanS.BeattyMember_019cb98b-9b3a-7889-a0fe-f94aa3a804f1" xlink:href="schw-20260331.xsd#schw_JonathanS.BeattyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="loc_schw_JonathanS.BeattyMember_019cb98b-9b3a-7889-a0fe-f94aa3a804f1" xlink:type="arc" order="2"/>
  </link:definitionLink>
</link:linkbase>
