Cash, Cards & Lending

An important part of a financial plan is managing cash flow. Our cash, cards and lending products are designed to help you successfully manage your cash to have enough funds to meet day-to-day needs. They can also help you make the most of your cash reserve so you are prepared for the unexpected and on track to achieving your financial goals.

Cash management account

The Ameriprise ONE® Financial Account is a brokerage account with cash management features. It connects all the parts of your plan and helps you stay focused on your objectives.


Ameriprise® Certificates offer guaranteed principal, flexible terms and competitive rates. They can be an ideal way to build your cash reserves.

Brokerage sweep options

Ameriprise Financial offers several cash solutions that offer you easy access and the opportunity to earn interest or dividends on uninvested cash.

Cash and certificate rates

See current rates for Ameriprise Certificates, money market funds, Ameriprise® Insured Money Market Account (AIMMA) and Ameriprise® Cash.


With exclusive perks, premium services and convenient purchasing options for Ameriprise Financial clients, it makes sense to use a card that’s aligned with your goals.

Margin lending

Find out how you can access credit through a margin loan using your eligible securities as collateral.

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 may not be available in all jurisdictions or to all clients.

An investment in money market funds is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to maintain the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.

Ameriprise® Certificates are backed by reserves of cash and qualified assets on deposit of Ameriprise Certificate Company and are not federally or FDIC insured. The assets backing the certificates have varying ratings and generally increase in market value as interest rates fall and decrease in market value as interest rates rise. These assets have risks, including credit risk, interest rate risk, and prepayment and extension risk.

You should consider the investment objectives, risks, charges and expenses of certificates carefully before investing. Download a free prospectus, which contains this and other important information about our certificates. Read the prospectus carefully before you invest.

Ameriprise Certificates are issued by Ameriprise Certificate Company and distributed by Ameriprise Financial Services, Inc. Member FINRA and SIPC.

Margin loans, custody and trading functions are provided through American Enterprise Investment Services, Inc. Member FINRA and SIPC Ameriprise Financial Services, Inc and American Enterprise Investment Services, Inc. are affiliates and both are subsidiaries of Ameriprise Financial, Inc.

Neither Ameriprise Financial nor its representatives or affiliates may provide tax or legal advice. Consult with your tax advisor or attorney regarding specific issues.

Investment products 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.