<prompt> Human: I love schwabs American Express that I get 1.5 back on. And schwabs customer service has been good in the little I had to use them. I wanna get some mutual funds. And itd be easier to stick with Schwab. But if vanguard is that much better Ill do it there instead. Whats the consensus on Schwab? Was even thinking of maybe using them for my checking account.  <response>: vanguard was the pioneer into very low expense ratio index funds, so they were the first out the gate and became the status quo. the other companies took notice of the trend and started offering comparable funds, some at even lower expense ratios than vanguard though you are talking hundredths of a point, which is basically nothing.they are all basically the same now as far as expense ratio, so go with whichever one you want. some have better interfaces than others, but they all get the job done. 