Brokerage account and custodial fees

All fees are subject to change. Other fees may apply.

Account maintenance and custodial fees*
Account type Fee amount
Ameriprise ONE® Financial Account1 $20 per quarter
Ameriprise® Brokerage Account2 $12.50 per quarter
Ameriprise® Custodial 401(a) Plan Account3 $50 per year
Ameriprise® Individual Retirement Account (IRA)4 $50 per year
Ameriprise® Coverdell Education Savings Account $10 per year

* Account maintenance and custodial fees apply to the accounts listed above; they do not apply to managed accounts. For more information about fees assessed to managed accounts, contact an Ameriprise financial advisor.

1 Fee may be waived if one of the following conditions is met: (1) an account holder is recognized as an Ameriprise Achiever Circle Elite** member, (2) the account has direct deposit of $9,000 within the preceding quarter, or (3) the account is open less than three months.

2 Fee may be waived if one of the following conditions is met: (1) an account holder is recognized as an Ameriprise Achiever Circle Elite** member, or (2) the account is open less than three months.

3 Fee may be waived if invested through a managed account, annuity or Ameriprise Certificates only.

4 Fee applied per plan held, not per owner. Fee may be waived if one of the following conditions is met: (1) an account holder is recognized as an Ameriprise Achiever Circle Elite** member, (2) the IRA is invested through a managed account, annuity or Ameriprise certificate only or (3) the IRA plan is recognized as a grandfathered lifetime custodial fee waved plan.

** Eligibility for recognition in Ameriprise Achiever Circle Elite is achieved through maintaining a household investment level with Ameriprise Financial of $500,000 or more. Households are essentially defined as the primary household account for an individual, his/her spouse or domestic partner, and any accounts owned for, by or with their unmarried children under the age of 21 who reside at the same address, or any affiliated trustee, custodian, guardian, conservator, estate representative, rider on an insurance policy or annuitant.

Brokerage service fees
Account Closure $100
Cash Debit Variable 5
Certificate Delivery $80
Check Copy $3 per copy
Custody/Safekeeping – Worthless6 $25 per CUSIP/per year
Debit Card Receipt Copy $10 per copy
Deposit/Withdrawal at Custodian (DWAC) Variable7
Direct Registration System (DRS) Request Fee Variable8
Express Mail – Domestic $25
Express Mail – International $35
Invalid Certificate9 $125
Legal Process $40 per order
Legal Transfers $30
Limited Partnership Custody (initial) $75
Limited Partnership Custody (annually thereafter) $75 per position/per year
Mandatory/Voluntary Physical Reorg Deposit $95
Non-Sufficient Funds $29
Physical Custody – Foreign Security $100
Pledge Account (paid at the time the account is pledged) $100
Private Placement Custody (initial) $150
Private Placement Custody (annually thereafter) $100 per position/per year
Research $25 per hour
Restricted Custody $100 per CUSIP/per year
Restricted Transaction $100
Returned Check or ACH Deposit $25 per item
Statement Reprint10 $5 per copy
Stop Payment or Reissue11 $25 per item
Transfer Out $100
Voluntary/Physical Certificate Corporate Action $40
Wire Currency Conversion – International12 $50
Wire Transfer Out – Domestic $30
Wire Transfer Out – International $35

5 Ameriprise Financial reserves the right to assess fees and/or interest on any funds advanced to you which result in an open debit in your account. Open Debit Fees are calculated as follows: Debit amount (x) base margin lending rate (x) number of days/365 = Fee amount.

6 To help defray the cost of holding and maintaining securities that may have been deemed worthless and/or without value.

7 DWAC fees are typically $50 to $250, but can vary by transfer agent. The actual cost will be determined by the transfer agent, and will be passed onto you. DWAC fees are assessed when exercising employee stock options within an Ameriprise Brokerage Account.

8DRS fees are generally $15, but can vary by transfer agent. The actual cost will be determined by the individual transfer agent and will be passed on to you. DRS fees are assessed when transferring shares to client brokerage accounts.

9 For a certificate that is rejected by the assigned transfer agent because it was previously paid, replaced, reissued, exchanged, has a "Stop Transfer" applied to it or has otherwise been deemed invalid.

10 For duplicate copies of account statements, tax statements and trade confirmations. Fee is waived if you signed up to receive the requested document type by electronic delivery instead of U.S. mail.

11 For disbursements issued by Ameriprise Financial.

12 For international Wire Out requests where funds are converted to a foreign currency prior to transfer. This does not include the applicable exchange rate.

Brokerage trade related fees 13
Fee type Fee amount
Order Handling Fee14 $6
Late Trade Settlement15 $15
Transaction Fee 16 Variable

13 Ameriprise Financial may assess multiple trade-related fees and/or commissions if a single order or transaction is executed on multiple days.

14 Excludes orders placed in managed accounts, annuities, insurance and certain alternative investments.

15 Up to a maximum charge of $30 per settlement date for trades within an account where an extension has been filed (online Brokerage only).

16 Ameriprise Financial and its clients are subject to policy and regulations set forth by various regulatory bodies and exchanges. At times, a nominal transaction fee to cover costs of self-regulation may be charged. This fee is only assessed on sells of certain securities; it is not assessed on mutual fund buys or sells. These policies, regulations and fees are subject to change.

Mutual fund trade related fees
Fee type Fee amount
No-Load Mutual Funds without a transaction fee17,18 No charge
No-Load Mutual Funds with a transaction fee17 $39.95
Load Mutual Funds Refer to the fund prospectus

17 Other fees and expenses may apply. Refer to the fund prospectus for details.

18 Ameriprise Financial may impose a brokerage fee if held less than 180 days. An early redemption fee may also be imposed by the fund company. Refer to the fund prospectus for details.

Investment minimums for individual mutual funds are determined by the fund company. Refer to the fund prospectus for details.

Ameriprise Financial provides record keeping and shareholder services for, and receives remuneration from, unaffiliated funds. You can buy shares directly from the fund itself, or its principal underwriter or distributor, without paying brokerage transaction fees.

Margin lending

The following structure and rates apply:

Average daily debt balances Margin rate Effective rate
$500,000 - above Base - 1.00% 5.75%
$100,000 - $499,999 Base - 0.50% 6.25%
$50,000 - $99,99919 Base20 6.75%
$25,000 - $49,999 Base + 1.25% 8.00%
$0 - $24,999 Base + 2.00% 8.75%

19 Margin interest charges will be calculated based on a sliding scale of percentages added to or subtracted from a base lending rate20, set at the discretion of Ameriprise Financial, Inc., with reference to commercially recognized interest rates, industry conditions regarding the extension of margin credit and general credit conditions.

20 Base lending rate: 6.75% as of March 18, 2014. This information is subject to change.

ATM surcharge fees
ATM network/owner surcharges and the ATM fee rebate program
Ameriprise Financial does not assess ATM surcharge fees and is a member a surcharge-free ATM network. ATM operators and/or networks who are not members of the surcharge-free network may assess an ATM surcharge fee. In those instances, we offer a rebate program if you are recognized as an Ameriprise Achiever Circle or Ameriprise Achiever Circle Elite member. ATM surcharge fees are rebated monthly based on your Ameriprise Achiever Circle status at month end. The ATM fee rebate program may be modified or discontinued at any time. To find surcharge-free ATM locations near you visit ameriprisebank.com/atm.
Achiever Circle Members Receive up to five surcharge transaction fee rebates totaling up to $10 per month.
Achiever Circle Elite Members Receive unlimited surcharge transaction fee rebates.

The Ameriprise ONE® Financial Account is a brokerage account with cash management features.

Investment products are not federally or FDIC insured, are not deposits or obligations of, or guaranteed by, any financial institution, and involves investment risks including possible loss of principal and fluctuation in value.

Ameriprise Financial Services, Inc. Member FINRA and SIPC.