Sign up today and enjoy the benefits of brokerage and banking in a single account.
How you spend, save and invest your cash today will help determine how well you can build tomorrow's dreams. The Ameriprise ONE Financial Account, a brokerage account with cash management features, helps you bring your saving, spending and investing together so you feel more in control. Cash management features of an Ameriprise ONE Financial Account include:
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. Deposits, interest earnings, trade proceeds and non-reinvested dividends are automatically swept into your cash account and checks, bills, ATM/debit withdrawals and investment purchases come out of it. For added convenience, you can set up recurring direct deposits into the account or an ongoing transfer of funds from the account.
The type of cash account you choose is up to you. Your financial advisor can help you choose a money market fund or account that best fits your cash account needs. See current rates
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. View the online bill payment demo
The Ameriprise Debit MasterCard card is accepted at over 25 million locations worldwide including stores, restaurants and hotels. Simply swipe your card and sign your receipt, or at participating merchants use your PIN to get cash back. 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.
Other ATM networks may impose surcharges. In those instances, Ameriprise Financial offers a rebate program for clients who are recognized as Ameriprise Achiever Circle or Ameriprise Achiever Circle Elite members. Achiever Circle members will receive rebates for up to five surcharged transactions totaling up to $10 per month in rebates. Achiever Circle Elite members will receive rebates for all surcharged transaction fees. The ATM surcharges will be rebated based on your Achiever Circle status at month end.
Write checks to anyone, in any amount, up to your available account balance. There are no limits or minimums and your first order of checks is free.
Overdraft protection is 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. Cover your spending up to the amount available in your line of credit, up to a maximum of $5,000 based on qualification and credit approval.
An Ameriprise Personal Savings is a bank savings account offered by Ameriprise Bank for Ameriprise ONE Financial Account clients. An Ameriprise Personal Savings Account can be used to set aside money in short-term savings - for diversification, emergency reserves, or a specific goal. The Ameriprise Personal Savings offers:
Achiever Circle members receive distinct benefits, including fee waivers, preferred rates on savings and other special offers.
Learn more about Achiever Circle benefits
| Standard Balance Tiers | Standard APY2 | Achiever Circle member APY2 | Achiever Circle Elite member APY2 |
|---|---|---|---|
| $250,000+ | 1.60% | 1.85% | 2.10% |
| $100,000 - $249,999.99 | 1.50% | 1.75% | 2.00% |
| $50,000 - $99,999.99 | 1.40% | 1.65% | 1.90% |
| $10,000 - $49,999.99 | 1.30% | 1.55% | 1.80% |
| $0 - $9,999.99 | 0.75% | 1.00% | 1.25% |
1Payment processing is provided through CheckFree Services Corporation. Representatives from Ameriprise Financial are available at (800) 297-7378.
2APY refers to the Annual Percentage Yield. APY as of 05/06/2008 and is subject to change. Fees may reduce earnings.
An investment in a money market fund (the fund) is not guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.
Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. The Ameriprise ONE Financial Account is a brokerage account with cash management features. Ameriprise Bank, FSB 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.
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.
Investment products provided through Ameriprise Financial 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.
Information on this page is subject to change.
Sign up today and enjoy the benefits of brokerage and banking in a single account.
Find a financial advisor near you.
Have a local advisor contact you.
Call (800) 882-1244 and speak with an associate, 7 a.m. to 7 p.m., Central time, Monday through Friday.