Earn a competitive interest rate with banking solutions from Ameriprise Bank, FSB.
Choose our Savings or Money Market accounts to make your short-term liquid assets work hard for you, through a competitive rate of return. You’ll also enjoy flexibility and convenient access to your funds when and where you want — online, by phone, by mail or through our network of ATMs.
As part of your overall cash management strategy, keeping funds in FDIC-insured accounts such as these can be a smart solution for reducing your portfolio’s overall volatility. Consolidate your Checking account with a Savings or Money Market account to manage your cash even more efficiently.
Make the most of your money with banking solutions from Ameriprise Financial.
| Account Type | Account Balance | Interest Rate2 | Annual Percentage Yield (APY)3 |
|---|---|---|---|
| Money Market | Any balance | 0.60% | 0.60% |
| Ameriprise® Savings | $250,000+ | 1.59% | 1.60% |
| $100,000–$249,999.99 | 1.49% | 1.50% | |
| $50,000–$99,999.99 | 1.39% | 1.40% | |
| $10,000–$49,999.99 | 1.29% | 1.30% | |
| $0–$9,999.99 | 0.75% | 0.75% | |
| Ameriprise Bank also offers Ameriprise® Personal Savings, an FDIC-insured insured bank savings account exclusively for Ameriprise ONE® Financial Account clients. Ameriprise Achiever Circle members qualify for a special APY on Ameriprise Personal Savings account balances. Learn more | |||
2 Interest rate applies to entire account balance. Rates are effective as of 05/06/2008. At our discretion, we may change rates at any time without notice. Fees may reduce earnings.
3 APY = Annual Percentage Yield. Interest rate is effective as of 05/06/2008. At our discretion, we may change the interest rate at any time without notice. Penalties and fees may reduce earnings.
For additional benefits, see the comparison chart below.
| FEATURES | Money Market | Ameriprise Savings |
|---|---|---|
| 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.4 | Not applicable |
| ATM Access |
|
Same as Money Market |
| Check Writing |
|
Not applicable |
| Internet Banking | Free unlimited online access | Same as Money Market |
| Phone Banking | Free unlimited access | Same as Money Market |
| Transactions | Make up to six transfers/withdrawals per statement period by phone, online and preauthorized transfers, including 3 transactions by check and debit card.6 | Make up to six transfers/withdrawals per statement period by phone, online and preauthorized transfers.5 |
| Customer Service | Account Representative support 24 hours a day, 7 days a week7 | Same as Money Market |
| Download to Quicken® or Microsoft Money® | Yes | Yes |
| Minimum Opening Balance | $100; Maximum deposit of $500,000 per depositor. | $5,000; Maximum deposit of $500,000 per depositor |
| Monthly Fees8 | $7.50 monthly fee waived if you:
|
Same as Money Market |
| FDIC Insured | Yes, up to $100,000 per depositor | Same as Money Market |
| Click to apply | Click to apply |
These products are not available to business customers.
4 Your daily debit card purchase limit is $2,500 per business day.
5 All other ATM owners may assess fees. Withdrawals limited to $1,000 per business day.
6 Checks, telephone, online and preauthorized transfers/withdrawals (including automatic and wire transfers) are limited to a total of six per statement period, of which no more than three may be made to a third party by check, Debit MasterCard or similar order.
7 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.
8 Fees may reduce earnings.
Manage your money efficiently with our Savings or Money Market accounts.
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. 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. Deposit products are FDIC insured to at least $100,000 per depositor.
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