Banking and Lending FAQs

• How do I make deposits into my accounts?
• How can I access my money?
• Are there any limits on checking account transactions, and do transaction fees apply?
• How do I report a change of address?
• Can I export my account information to Quicken^® or Microsoft Money^®?
• How do I pay bills electronically?
• How will my electronic bill payments be sent?
• How will I know what payments have been made?
• How do I stop payment on a check that has been issued?
• Do I need to contact my payee to tell them I am using electronic bill payment?
• Is there a safeguard system in place to protect me against making duplicate payment mistakes?
• How should I schedule my electronic bill payments?
• How do I set up automatic payments?
• How do I transfer funds between my accounts online?
• Can I make my online purchases more secure?

Bank Lending and Deposit Products and Services are offered by Ameriprise Bank, FSB, an FDIC insured financial institution.

There are several easy ways to deposit money into your account:

1. Set up automatic direct deposit of your paycheck or government check into your account. We've provided a Direct Deposit Form that you can fill out and give to your payroll manager to initiate direct deposit. Please check with your employer prior to submitting this form, as employers may have their own requirements for initiating direct deposit.
2. Transfer funds from another account by phone, through our website or at a participating ATM.
3. Transfer funds from another financial institution via wire transfer or automated electronic deposits. For more information on making electronic deposits, please contact us.
4. Mail your deposit to us with a completed deposit slip. Just endorse check(s) payable to yourself. Write "FOR DEPOSIT ONLY" and your account number on the back of your check(s) with your endorsement. Either use a postage-paid envelope or mail your deposit to:

Ameriprise Bank, FSB
P.O. Box 1661
Minneapolis, MN 55440-1661

You can access your account conveniently over the internet, or at any participating ATM network, by phone or by mail. You can pay bills, review and print your account activity, verify deposits and withdrawals, confirm that your checks have cleared and transfer funds between accounts—all online from your computer.

The Ameriprise Debit MasterCard^® card is accepted at over 25 million locations worldwide including stores, restaurants and hotels. You can also access more than a million ATMs in over 210 countries as well as surcharge free ATM networks at over 21,000 ATM locations nationwide. Find ATMs that accept the Ameriprise Debit MasterCard.

You can use your Ameriprise Debit MasterCard at merchants and ATM network machines that display the following symbols. Additionally, there is no charge for making cash withdrawals at ATM locations that bear the MasterCard^® ATM Alliance logo.

Ameriprise Bank does not charge a transaction fee for using an ATM. However, certain financial institutions and ATM operators independently may charge you a fee for the use of their ATMs. We have no control over these charges. If you'd like to access your account by phone or mail, you can call us at (888) 356-1006 or you can write us at:

Ameriprise Bank, FSB
834 Ameriprise Financial Center
Minneapolis, MN 55440-8902

There are no transaction fees on our checking accounts, therefore you have free, unlimited check writing, ATM access and debit transactions plus free, unlimited electronic bill payment.

To report a change of address, contact us. Please provide us with your name, all relevant account information, and your new address.

You can easily export your information into Quicken or Microsoft Money from our secure banking website.

Paying bills electronically is easy: Log in to your account, and click "Pay Bills" on the menu bar. The electronic bill payment service uses the Automated Clearing House (ACH) or MasterCard RPS network to electronically transfer your payments from your bank account to the third party you owe on the date you specify. If a company or individual is not set up for electronic transfer, a check is sent to them via U.S. Mail. We are unable to make tax payments and court-ordered payments.

The electronic bill payment service determines the best payment method at the time of processing. The payment will be made either by:

• All-Electronic Payment: An electronic transfer to the payee account is made on the payment date you specify (within five business days of the transmit date you specify).
• Electronic-to-Check Payment: The electronic bill payment service receives funds electronically from your checking account on the transmit date you specify. A check is drawn on the Processing Center's bank account and mailed to the payee. The payee handles the payment as a regular paper check.

Once a payment has been made, it will be clearly itemized on your monthly bank statement. It will also show in your payment history and account activity online. Keep in mind that we only make the payments you authorize. You are in control of your account at all times. If for some reason a payment cannot be made — for example due to insufficient funds in your account — we will notify you via U.S. Mail.

Because of the time-sensitive nature of stop-payment requests, we strongly recommend that you call our Customer Service Representatives at (888) 356-1006 and provide them with the check number, the check amount and the name of the payee. However, you may also send a stop-payment request to us through our secure e-mail channel. To access our secure e-mail form click here.

No. Using electronic bill payment will not change the way your payments are credited or how money is moved through your accounts.

The electronic bill payment processing center maintains a valuable safeguard to prevent duplicate payments. When more than one identical payment is requested for the same payee, amount and payment date, the duplicate payment instruction is automatically disregarded.

This is important to know in case you should ever actually want to send two identical payments to the same payee on the same day. If you need to send two identical payments to the same payee account, separate the payment dates by at least one day or vary the amounts slightly.

Be sure to allow adequate time for all your electronic payments. Since some payees are not accustomed to receiving payments electronically, you should always check your next statement to make sure that your payment was credited correctly.

Please be sure to enter a transmit date that is five or more business days before the payment due date. Please note that payments scheduled after 1 p.m. Eastern Time will be transmitted the following business day. For your first payment, we recommend you schedule your payment at least nine business days prior to the due date, to ensure proper processing. For the payment date, use the date the payment is due, not the payment late date on the payee's invoice. Please note that you can schedule payments using funds in your checking account plus funds from overdraft protection.

When you get your next statement from your payee, check to see when your payment was received. If the payee received the payment early, you might want to reduce the time you allow between the transmit date and the payment date.

As a reminder, tax payments and court ordered payments are prohibited from being paid through electronic bill payment.

To pay your bills on an automatic recurring basis:

1. Log in to your account
2. Click on "Pay Bills"
3. Select "Repeating Payments" from the left-side menu

To transfer funds to another account:

1. Log in to your account
2. Click on "Transfers"
3. For repeating transfers, select "Repeating Transfers" from the left-side menu

MasterCard^® SecureCode^TM is a simple way to add one more layer of security to your online transactions. With MasterCard SecureCode, you create a personalized code that only you know, like the PIN number for your ATM card. Through this quick registration process you can increase your confidence when you shop online with your Ameriprise Debit MasterCard^® card.

Step 1 — Register for MasterCard SecureCode by providing the following information:

• Your name and address
• Your card number
• The last four digits of your Social Security number

You will then be asked to create your MasterCard SecureCode.

Step 2 — When you shop at participating online merchants and pay with your Ameriprise Debit MasterCard, a window will appear to ask for your MasterCard SecureCode. Simply enter your personalized code to confirm your identity and complete your purchase.

Register now for MasterCard SecureCode on your Ameriprise Debit MasterCard.