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. Learn more about the features and benefits of the Ameriprise ONE Financial Account.
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.
1Payment processing is provided through CheckFree Services Corporation. Representatives from Ameriprise Financial are available at (800) 297-7378.
The Ameriprise Debit MasterCard® is issued by Ameriprise Bank, FSB pursuant to a license from MasterCard International Incorporated. MasterCard® is a registered trademark of MasterCard International Incorporated.
The Ameriprise Debit MasterCard is offered on certain deposit products and on the Ameriprise ONE Financial Account. The Ameriprise ONE Financial Account is a brokerage account with cash management features.
Ameriprise Bank, FSB, Member FDIC is an Equal Housing Lender. Ameriprise Bank provides certain deposit, lending and personal trust products and services to Ameriprise Financial Services, Inc. Ameriprise Bank and Ameriprise Financial Services are subsidiaries of Ameriprise Financial, Inc. FDIC deposit insurance has been temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. Funds held in an identified FDIC insurable capacity will be FDIC insured up to a maximum of $250,000 at a single bank, and any amount deposited above $250,000 will not be covered by FDIC deposit insurance. Ameriprise financial advisors may receive compensation for offering bank products.
Ameriprise Insured Money Market Account (AIMMA) is an FDIC-insured product offered by Ameriprise Financial Services, Inc. and held in an omnibus account(s) at one or more FDIC-member banks (collectively, the "Program Banks"). The Program Banks may serve individually as custodians for all or a portion of the assets held within your AIMMA, as described in the AIMMA Terms and Conditions section of your Ameriprise Brokerage Client Agreement. To view the AIMMA Terms and Conditions, you can visit our website at ameriprise.com/nqclientagreement for non-qualified accounts or ameriprise.com/qclientagreement for qualified accounts, or call our service line at (800) 297-7378 to obtain a copy.
Ameriprise Bank, FSB is a participant bank in the AIMMA program and any funds deposited into Ameriprise Bank via the AIMMA sweep option are FDIC insured up to $250,000. Any other deposits you may make to a participating program bank made outside of AIMMA will be combined for purposes of determining the level of FDIC coverage per depositor at that specific bank, including Ameriprise Bank. You are responsible for monitoring the total amount of funds they hold at each Bank in order to insure that your total deposits are within FDIC guidelines and fully insured.
FDIC deposit insurance has temporarily increased from $100,000 to $250,000 per depositor. Effective February 1, 2009 AIMMA will carry FDIC protection up to $2.5 million per individual depositor (up to $5 million for joint accounts). This temporary increase in coverage is in effect through at least December 31, 2013 when it may revert back to $1 million per depositor ($2 million for joint accounts). Deposit products are not covered by the Securities Investor Protection Corporation (SIPC).
The Ameriprise ONE® Financial Account is a brokerage account with cash management features. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services described may not be available in all jurisdictions or to all clients.
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