[saratogacx]

I'm a bit surprised at the short term memory as well. TDA, and Think Or Swim before that all had outages on Occasion.

My experience was that my ToS desktop app was still logged in and kept an active connection, On my Android phone, the Schwab App was able to work (I only use it as a backup) while TOS (My more daily trading app) required me to wipe the local data to get logging in working again (A fix that was required last time Schwab messed up the log-in system).

Schwab has, in the last year or so, made their login much more complex to work with MFA across all apps. This probably have their log in servers doing a lot more work than they projected.