Ameriprise Bank Checking Account FAQ

General

What is the Ameriprise® Bank Checking Account?

The Ameriprise Bank Checking Account is a digital checking account offered by Ameriprise Bank. Fully integrated with the secure site on ameriprise.com and the Ameriprise Financial app, the account allows you to seamlessly manage more of your financial life in one place with a single login.1,2 The account provides checks, debit card, Zelle®, and more with no monthly maintenance fee.3,4 The Ameriprise Bank Checking account is FDIC insured up to applicable limits.5

What are the eligibility requirements for a checking account?

To apply for a checking account, you must:

  • Be at least 18 years old and be a U.S. citizen or U.S. resident alien.
  • Have a valid Social Security Number or other Taxpayer Identification Number and have a valid U.S. residential address, phone number, and email address.

Other terms and conditions apply. If you have questions, please call the Ameriprise Bank Customer Service Center at 800.862.7919 or see the Ameriprise Bank, FSB Deposit Account Agreement.

How do I open a checking account?

The online application is located on the secure site on ameriprise.com or the Ameriprise Financial app.1,2 Once opened, a minimum deposit of $25 is required to fund the account.

Who can I select as joint checking account applicants?

Joint checking account holders must be selected from within your existing household group(s). Account holders must meet the same account eligibility requirements as the primary owner. Joint accounts are limited to a maximum of two owners.

Can I designate beneficiaries on the checking account?

Yes, checking account owner(s) may name up to five natural person beneficiaries. By adding a beneficiary, your account ownership category becomes payable on death (POD).

NOTE: Organizations, trusts, and estates are not supported beneficiaries at this time.

How do I designate beneficiaries on my checking account?

You can add, edit, or remove beneficiaries on the secure site on ameriprise.com.1 Required information includes, but is not limited to, beneficiary full name, relationship to account owner, address, date of birth, and Social Security Number.

How can I access my checking account?

You may login to your checking account on the secure site on ameriprise.com or the Ameriprise Financial app using your login credentials.1,2

Who do I contact if I need assistance or have questions about my checking account?

Ameriprise Bank Customer Service Center is available from 7 a.m. to 7 p.m. Central

time (CT) Monday through Friday at 800.862.7919.

Overdraft Protection

Is there Overdraft Protection?

You can set up Overdraft Protection, our overdraft transfer service, by linking your Ameriprise Bank Checking Account to your Ameriprise® Bank Savings Account (“savings account”).6 Overdraft Protection will automatically transfer funds from your savings account to your checking account to cover transactions and payments. There are no overdraft or overdraft transfer fees. However, Overdraft Protection transfers count against the savings account limit of six transactions per monthly statement cycle, or each month if you have a quarterly statement cycle. 

This service will automatically transfer funds in increments of $100 from your savings account to your checking account throughout the day if your checking account does not have enough money. If your savings account balance is less than $100, we will not make a transfer.  

Using my account

How do I make withdrawals?

You can withdraw cash from any ATM displaying the Visa® or NYCE® logos, as well as at participating Visa network merchants offering cash back with purchase.7,8 Additionally, you can withdraw funds using checks, Bill Pay, ACH transfers, internal Ameriprise transfers to other eligible Ameriprise accounts, domestic wire transfers, or by requesting an official check.3,4,8,9

How do I make deposits?

Deposits can be made using mobile deposit on the Ameriprise Financial app or by mailing a check (Ameriprise Bank, FSB, 70209 Ameriprise Financial Center, Minneapolis, MN 55474), ACH transfer from a linked external account, domestic wire transfer, transfer from an eligible Ameriprise account, direct deposit such as employer payroll, pension or government benefit (e.g., social security), and Zelle®.2,3

Note: Deposits may not be made at an ATM, we don’t accept cash deposits, and Ameriprise advisors cannot accept any form of funds to be deposited into your checking account.

How do I make payments?

Payment options include checks, debit card at merchants that accept Visa®, Zelle®, Bill Pay, wire transfer, and digital wallet (Apple Pay®, Samsung Pay®, and Google PayTM).3,4,9,10 

Debit cards

Am I liable for unauthorized debit card charges?

You may get reimbursed for 100% of fraud losses due to unauthorized use of your checking account if you promptly notify the Ameriprise Bank Customer Service Center at 800.862.7919 of any unauthorized use, loss or theft of your debit card or checking account.11

Certain restrictions, conditions or limitations apply. See the Visa Zero Liability Policy and Ameriprise Bank, FSB Deposit Account Agreement for more details.

What do I do if my card is lost or stolen?

If you suspect your card is lost or stolen, please call the Ameriprise Bank Customer Service Center at 800.862.7919. See Ameriprise Bank, FSB Deposit Account Agreement for details.

What are the limits on my debit card?

For information on debit card limits, log in to the Ameriprise Financial app, select your checking account > More Actions > Manage Debit Card > Transactions. Or, log in to the secure site at ameriprise.com or call 800.862.7919.
Disclosures:
Ameriprise® Bank Checking Accounts are subject to approval. Other terms and conditions apply. The terms, conditions, fees and features of the Ameriprise Bank Checking Account may change. For terms and conditions of the Ameriprise Bank Checking Account, please see Ameriprise Bank, FSB Deposit Account Agreement. 
1If you do not have secure site access or have any questions, please contact Ameriprise Bank Customer Service Center at 800.862.7919. 
2Eligibility requirements and restrictions apply. Wireless, message and data rates may apply. Please refer to Ameriprise Mobile Deposit Addendum, Ameriprise Bank, FSB Deposit Account Agreement and Mobile Deposit FAQ for information.
3To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. The use of Zelle® with your eligible Ameriprise Bank Checking Account will be governed by the Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Zelle® Terms and Conditions. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 
4For information about Ameriprise Bank, FSB, checking account fees, please see the Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure.
5For information regarding FDIC deposit insurance, please visit FDIC: Your Insured Deposits.
6The overdraft transfer service for an Ameriprise Bank Checking Account (“Checking Account”) (“Overdraft Protection”) offers the ability to link eligible Ameriprise Bank Savings Account (“Savings Account”) and Checking Account to cover situations when your Checking Account does not have sufficient available funds to pay items. Some Savings Accounts may not be eligible to be linked for the Overdraft Protection based on account ownership and other constraints. This service will automatically transfer funds in increments of $100 from your Savings Account to your Checking Account throughout the day when your Checking Account does not have enough money to pay items. If your Savings Account balance is less than $100, we will not make a transfer. Your Checking Account balance may become overdrawn, if there are not sufficient funds in your Savings Account to cover items presented for payment in your Checking Account. We do not charge fees for transfers through the Overdraft Protection. Please see Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure for more information about the Overdraft Protection and overdrafts.
Each transfer through the Overdraft Protection counts against the withdrawal and transfer limit in a Savings Account. Please see Ameriprise Bank, FSB Deposit Account Agreement for information about Savings Account withdrawal and transfer limits and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure for information about excessive transaction fee.  
7Visa® and NYCE® networks are available for cash withdrawal only, not deposits. Visa is a registered trademark of Visa International Service Association and used under license. NYCE and design are registered trademarks of NYCE Payments Network, LLC. 
8Ameriprise Bank, FSB does not charge an ATM fee. ATM operators and/or networks used may charge an ATM surcharge fee to use their ATMs. We may reimburse some ATM surcharge fees charged by the ATM owners and/or networks. If an ATM owner and/or network does not identify the surcharge fee to us, we will not automatically reimburse that fee. If the reimbursement is not processed, we may reimburse the surcharge fee if you contact us within 90 calendar days of the transaction with the ATM receipt. 
Ameriprise® Bank Checking Account (“Checking Account”) customers may receive $20 in ATM surcharge fees reimbursements per statement cycle. If you are recognized as Achiever Circle Elite (“ACE”) or Achiever Circle ("AC”) in the Ameriprise Achiever Circle program (each “Status”) on the day the applicable transaction posts to your Checking Account, you may qualify for the following ATM surcharge fee reimbursements per statement cycle: 1) ACE - unlimited reimbursement, 2) AC - up to $25 in ATM surcharge fees reimbursed. For joint Checking Accounts, the Status will be determined by the highest status among the co-owners. We reserve the right to change or terminate the ATM surcharge fee reimbursements applicable to your Checking Account at any time in our sole discretion without prior notice, unless required by law. Please see Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure for more information.
Ameriprise Bank, FSB does not offer, control or manage Ameriprise Achieve Circle program. Please see ameriprise.com/products/achiever-circle for information about Ameriprise Achiever Circle program. 
9Bill Pay is available on qualifying Ameriprise Bank Checking Accounts. See Bill Pay Terms and Conditions for more details. 
10Use of the Ameriprise Bank Checking Account debit card through a digital wallet is subject to the terms and conditions of the Ameriprise Bank, FSB Deposit Account Agreement and the terms and conditions of the digital wallet you use. Wireless, message and data rates may apply. Google, Google Pay, and the Google Logo are trademarks of Google LLC. Apple Pay is a registered trademark of Apple Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
11You must use reasonable care in protecting your card and promptly notify Ameriprise Bank, FSB of any unauthorized use, loss or theft of your debit card or account. Certain restrictions, conditions or limitations apply. See the Visa Zero Liability Policy and Ameriprise Bank, FSB Deposit Account Agreement for more details.
The Ameriprise® Bank Checking Account debit card is issued by Ameriprise Bank, FSB, pursuant to a license from Visa U.S.A. Inc. 
Ameriprise Bank, FSB provides deposit, lending, and personal trust products and services to its customers, including clients of Ameriprise Financial Services, LLC (“AFS”). 
Ameriprise Bank, FSB and AFS are subsidiaries of Ameriprise Financial, Inc. Your Ameriprise advisor may earn compensation in connection with the Ameriprise Bank deposit products that you choose to open. 
Ameriprise Bank, FSB. Member FDIC. 
Ameriprise® and Ameriprise Financial logo are registered service marks of Ameriprise Financial, Inc. 
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