Checking Accounts, Interest Bearing Checking Accounts

Take control of your financial world through efficient cash management.

To meet your financial goals, you need a solid foundation. Start with our FDIC-insured Checking account, and you’ll discover a convenient solution to managing your cash. Access your funds when and where you want—online, by phone, by mail or through our national network of ATMs, 24 hours a day ¹.

Choose either of our Checking accounts, and you’ll enjoy the convenience of online bill pay, as well as a competitive interest rate with our Interest Checking. Consider consolidating your Checking account with our Savings or Money Market accounts or a Certificate of Deposit (CD) to increase your cash management options.

Make the most of your money with banking solutions from Ameriprise Financial.

Choosing the right checking account

Below, you’ll find a chart comparing our Checking and Interest Checking accounts and details about FREE online bill pay, which can help you control your outflow of cash.

In addition to earning interest on your money, an Interest Checking account provides rebates on ATM surcharges from other banks.

Convenient cash management starts with a checking account. And ours emphasize simplicity.

ACCOUNT FEATURES	Checking	Interest Checking
Ameriprise Debit MasterCard^® This card is issued by Ameriprise Bank, FSB pursuant to a license from MasterCard International Incorporated	Use the Ameriprise Debit MasterCard card to make purchases wherever MasterCard^® cards are accepted — over 25 million locations worldwide.²	Same as Checking
ATM Access	Access to surcharge free ATM networks at over 21,000 ATM locations nationwide. There is no charge for making cash withdrawals at ATM locations that bear the MasterCard ATM Alliance logo.³ Access to more than a million ATMs in over 210 countries. Find ATMs that accept the Ameriprise Debit MasterCard.	Same as Checking plus: Surcharges imposed by other banks rebated automatically up to four times per month, up to $1.50 per transaction
Interest Rate⁴	Not applicable	0.20%
Annual Percentage Yield⁵	Not applicable	0.20%
Check Writing	Free, unlimited check writing privileges First set of checks provided free Check images provided with monthly statement	Same as Checking
Internet Banking⁶	Free unlimited online access	Same as Checking
Online Bill Payment	Free unlimited online bill payment (see details below)	Same as Checking
Download to Quicken® or Microsoft Money®	Yes	Yes
Phone Banking	Free unlimited access	Same as Checking
Customer Service	Account Representative support 24 hours a day, 7 days a week¹	Same as Checking
Minimum	$100	Same as Checking
Opening Balance⁷
Overdraft Protection	Overdraft protection up to $5,000; 18.99% fixed Annual Percentage Rate	Same as Checking
Monthly Fees⁸	$9 monthly fee waived if you: maintain an average minimum balance of $1,500 in this account OR maintain average minimum combined balances of $2,500 in the following accounts: Money Market, Checking, Savings and outstanding balances on Ameriprise Bank, FSB unsecured lines of credit	$9 monthly fee waived if you: maintain an average minimum balance of $2,500 in this account OR maintain average minimum combined balances of $5,000 in the following accounts: Money Market, Checking, Savings and outstanding balances on Ameriprise Bank unsecured lines of credit
FDIC Insured	Yes, up to $100,000 per depositor	Same as Checking
	Click to apply	Click to apply

These products are not available to business customers.

1 Generally available 24 hours a day, 7 days a week except when systems are unavailable due to scheduled maintenance or due to an unexpected disruption.

2 Your daily debit card purchase limit is $2,500 per business day.

3 All other ATM owners may assess fees. Withdrawals limited to $1,000 per business day.

4 Interest rates is effective as of 01/08/2008. At our discretion, we may change the interest rate at any time without notice. Fees may reduce earnings.

5 APY = Annual Percentage Yield. Interest rate is effective as of 01/08/2008. At our discretion, we may change the interest rate at any time without notice. Penalties and fees may reduce earnings.

6 Court-ordered payments and tax payments may not be made through online bill pay.

7 Maximum deposit of $500,000 per depositor.

8 Fees may reduce earnings.

Manage Your Bills with Online Bill Payment

Our online bill payment service gives you a hassle-free solution to paying bills. And, best of all, paying bills online is FREE with either of our Checking accounts. You’ll save time and money by eliminating check writing and the need for stamps or trips to the post office. And you can feel confident that our secure internet encryption technology protects your personal and account information.

With online bill pay, you can conveniently schedule individual payments or pay multiple payees at one time. Easily set up recurring payments monthly, quarterly or annually for as long as you like. Try out online bill pay in our Test Drive area.

Manage your money efficiently with one of our Checking accounts.

Ameriprise Bank, FSB, Member FDIC is an equal housing lender. Ameriprise Financial Services, Inc. and Ameriprise Bank, FSB are subsidiaries of Ameriprise Financial, Inc.

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Checking and Interest Checking

Choosing the right checking account

Manage Your Bills with Online Bill Payment

Related Resources

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