Brokerage & cash management account

Bring your plan to life

Successful investing is an important part of feeling confident about today and about achieving your dreams for tomorrow. At Ameriprise Financial, we recognize how you manage your cash is equally important. Cash is more than just money for today's needs – it's what funds the investments for tomorrow. That makes it an important part of your whole financial life. That's why we offer the Ameriprise ONE^® Financial Account.

A better way to manage cash flow today and invest for tomorrow

The Ameriprise ONE Financial Account – a brokerage account with cash management features – allows you to hold cash and investments in one place. It also helps you move your money to the financial solutions you choose to meet your saving, spending, investing and protection goals. It connects all the parts of your plan and helps you stay focused on your objectives.

When the money you earn flows directly to the Ameriprise ONE Financial Account, your plan comes to life. At the same time, the money you need for daily and monthly expenses flows automatically to a checking account of your choosing. Both your short-term and long-term goals are funded, giving you more financial confidence and control. To learn more about the features and benefits of the Ameriprise ONE Financial Account, download our interactive Flash experience (10MB).

Investment capabilities

Buy or trade stocks, bonds, mutual funds, options contracts and more. You can work with a financial advisor to place trades or place them directly via our secure trading website.

Cash account

At the core of the Ameriprise ONE Financial Account is a cash sweep account that earns interest or dividends and can be used for everyday financial goals. Your cash deposits, interest earnings, trade proceeds and non-reinvested dividends are automatically swept into this account and your checks, bills, ATM/debit withdrawals and investment purchases come out of it.
Current rates

Online Bill Pay

Pay bills online with an on-time payment guarantee. Automating the bill paying process helps you save time and postage¹ – and there's no limit to how many bills you can pay online each month. You can choose to receive electronic bills and then set up one-time or recurring payments.

Ameriprise Debit MasterCard^®

Use your Ameriprise Debit MasterCard and earn Ameriprise Rewards points. The card is accepted at over 25 million locations worldwide. Additionally, you can access more than a million ATMs in over 210 countries as well as surcharge free ATM networks at over 21,000 ATM locations nationwide.

Check writing

Write checks to anyone for any amount up to your available account balance. There are no limits or minimums and your first order of checks is free.
Checking account details

Overdraft protection

Reduce fees and inconvenience with a personal line of credit that can be activated automatically if you don't have enough funds to cover checks, online bill payments or ATM/debit card transactions.

Ameriprise^® Personal Savings

Set aside money for short-term goals with an Ameriprise Personal Savings account, a bank savings account offered by Ameriprise Bank that's linked to the Ameriprise ONE Financial Account.

The Ameriprise ONE Financial Account allows you to trade the following fixed-income products by phone:

• Corporate bonds
• Municipal bonds
• U.S. Treasury bills, notes, bonds and zeros
• Agency securities
• Collateralized mortgage obligation
• Government National Mortgage Association (Ginnie Mae)
• Government Securities Income Fund (GSIF)

Investment products, including shares of mutual funds, are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by, any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.