Ameriprise Bank Checking Account FAQ

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

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.

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

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.

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.

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.

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

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.

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”). 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.⁷

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.  

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.^8,9 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.^3,4,9,10

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.

You can set up direct deposit to your checking account in the secure site on ameriprise.com or the Ameriprise Financial app.^1,2 Simply log in and navigate to your checking account from the ‘Summary’ tab, select ‘Direct Deposit’ from the ‘Quick Actions’ section and follow the instructions to set up your direct deposit.¹¹

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 Pay^TM).^3,4,10,12 

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.¹³

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

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.

For information on debit card limits, log in to the Ameriprise Financial app², 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.