After trying for the past 24 hours and looking through different threads. The following worked right away after getting multiple login failures yesterday and today.
1) Go to your Schwab account disable third party access.
2) Save the settings
3) Enable third party access
4) Save the settings
5) Relaunch the TT login window to Schwab
6) Type in your credentials as requested
7) It should bring up a accept terms screen
This worked right away for two different Schwab login id's after multiple failures all day yesterday and right up until the time I tried the steps above.
Good luck.
