Money movement and cash solutions FAQ

Below you'll find some commonly asked questions about banking solutions online with Ameriprise.

Ameriprise ONE® Financial Account and brokerage

With the secure site on ameriprise.com, you can pay bills, review and print your account activity, confirm that your checks have cleared and transfer funds between accounts.

You can download and print a deposit slip or request pre-printed deposit slips and postage-paid envelopes by calling us at 800.297.7378.

Send deposit slip and endorsed check to:

Ameriprise Financial
70200 Ameriprise Financial Center
Minneapolis, MN 55474

You can reorder checks for your Ameriprise ONE® Financial Account online at ameriprise.com.

To reorder checks, log into the secure site on ameriprise.com. Select your Ameriprise ONE Financial Account and choose “Order Checks” from the “Actions” menu in the sidebar. A new window will launch—just follow the simple instructions.

Please verify the accuracy of your order before submitting. If you have multiple Ameriprise ONE Financial Accounts, please pay close attention to both your Ameriprise ONE Financial Account number and your checking account number to ensure that the checks are ordered for the correct checking account.

After submitting, you will receive a confirmation of the order and your checks will be delivered to the address printed on your current checks. Checks will be delivered in a manilla/non-descript plastic wrapped flat package that states ‘important documents enclosed’. If you would like to change the address appearing on the checks, the check style, or select other options, please call the Client Service Center at 800.297.7378.

You can view checks you write from your Ameriprise ONE® Financial Account online. You can also print and save them to your computer for your records.

To get started, log into the secure site on ameriprise.com. Select your Ameriprise ONE Financial Account and go to the “Activity” tab. To view a check that is listed in your transaction history, click the check number link in the “Description” field. This will display your check image, front and back. In the view mode you can zoom, rotate, print, and save to your PC.

To search for checks, choose “Search Checks” from the “Available Actions” menu in the sidebar to set your criteria, then click the “Search” button. Click on the highlighted blue link on each check listed to view that check. You may enter historical dates or search for specific criteria. Within the chosen date range, you may enter the check number, amount, or both in your search.

To wire funds to your brokerage account, the sending bank's instructions must specifically read:

For domestic For international
Wells Fargo MN, NA
Minneapolis, MN 55479
Routing ABA: 121000248
Wells Fargo MN, NA
Minneapolis, MN 55479
SWIFT BIC: WFBIUS6S
Credit to: American Enterprise Investment Services Inc. Account 6886001293 Credit to: American Enterprise Investment Services Inc. Account 6886001293
For further credit to: (client name and brokerage account number) For further credit to: (client name and brokerage account number)

Ameriprise Financial Services, Inc. Member FINRA and SIPC. The Ameriprise ONE® Financial Account is a brokerage account with cash management features.

With your Ameriprise ONE® Financial Account, you have access to more than a million ATMs in over 179 countries as well as 55,000 surcharge-free ATM locations nationwide. You can use the card at merchants and ATMs that display the following logos. There is not a surcharge for making cash withdrawals at ATM locations that bear the Allpoint network Alliance logo.

Ameriprise does not charge a transaction fee for using an ATM. However, certain financial institutions and ATM operators may independently charge a fee for the use of their ATMs.

The Ameriprise Visa Card is issued under an agreement between Ameriprise Financial, Inc. and/or its subsidiaries (“Ameriprise”) and UMB Bank, n.a. The Card is the property of and issued by UMB Bank, n.a. pursuant to license by VISA U.S.A. Inc. PLUS® is a registered trademark of Visa.

There are no transaction fees related to the Ameriprise ONE® Financial Account. Check writing, and online bill payment are limited only by the available balance in your account. ATM access and debit transactions have daily transaction limits. When you use your Ameriprise Visa Debit card with a PIN to withdraw cash or to initiate a PIN-based debit transaction at the point of sale, the following limits apply:

Standard maximum daily limits cash withdrawal at ATMs: $1,000 and signature and PIN/Chip-based transactions at point of sale terminals: $5,000

Certain limitations apply to your Ameriprise Debit card transactions through the Visa network, when a PIN number is not entered. Clients who get the card will receive more information with their card carrier.

Although Wells Fargo clears Ameriprise ONE Financial Account checks, your account is still with Ameriprise; therefore, Wells Fargo treats them as third-party checks. Wells Fargo will accept Ameriprise ONE Financial Account checks for deposit only. Wells Fargo’s policy of handling these checks applies regardless of whether the payee is a Wells Fargo depositor or not.

Cash withdrawals can be requested by contacting us. Methods of withdrawal we offer:

  • First-Class Mail: we can send a check to your address of record at no cost
  • Overnight mail: we can overnight a check to your address of record for $25.00
  • Wire (domestic): wire funds to your outside bank account for $30.00.
  • International Wire: we can wire funds to your foreign bank account for $35.00. The receiving institution may also charge a fee. The minimum wire amount is $200. On the request we require:
    • bank name
    • bank account number
    • bank SWIFT number or IRC number (international equivalent of ABA routing number)
    • bank street address
    • bank city and country
    • International Bank Account Number (IBAN)
  • Request funds to be sent electronically via ACH funds to your outside bank account  at no cost. This request can be completed online via the secure site on ameriprise.com, or by working with your financial advisor.

You can fund online with the secure site on ameriprise.com. Simply follow these steps:

You can also send a check. If you are opening a new account, send your check along with your account application. Make your check payable to American Enterprise Investment Services.

  • Reference your account number in the memo line of the check.
  • For IRA contributions also include the year of contribution.

Mail your check to:
Ameriprise Financial
70400 Ameriprise Financial Center
Minneapolis, MN 55474

Transfer assets from another firm. Use our online Account Servicing Forms. The amount of time it takes to complete a transfer may vary. Full account transfers may take as little as 2 weeks or as long as 8+ weeks to complete. Partial account transfers can take longer.

Roll over assets from a 401(k) or 403(b). The amount of time it takes to complete a transfer may vary. Full account transfers may take as little as 2 weeks or as long as 8+ weeks to complete. Partial account transfers can take longer. If you have any questions, please call our financial advisors at 800.257.8740. Representatives are available 8 a.m. to 9 p.m. CST Monday - Thursday, and 8 a.m. to 7 p.m. CST Friday.

Establish direct deposit of your paycheck or government payments. Direct deposit allows you to automatically transfer all or a portion of any payment you receive regularly—such as your paycheck or government checks—directly to your Ameriprise ONE® Financial Account, Ameriprise Brokerage account, Ameriprise® Strategic Portfolio Service (SPS) Advantage account, and SPS Advantage with ONE Features account.

For accounts with ONE checking features: Whichever form you use, in most cases you can simply attach a voided Ameriprise ONE Financial Account check to the direct deposit form(s). Submit the check with the form to the payment originator. Do not mail the form to Ameriprise Financial.

For electronic depositing into your Ameriprise ONE Financial Account:

Bank Routing Transit Numbers (RTN): 091071611, 026073079, 124084672

Note: Deposits made into the checking feature of your Ameriprise ONE Financial Account or SPS Advantage with ONE Features account will automatically be forwarded to your cash sweep option within the brokerage account.

For accounts without ONE checking features:
To set up direct deposit, be sure to provide the party issuing the payment (e.g. your employer, government agency) with the following information:

Bank Routing Transit Number: 091000019

Bank Address: Wells Fargo, 6th St. and Marquette, Minneapolis, MN 55479.

Account Type: Checking

Account Number: 742500300XXXXXXXX
(XXXXXXXX = your 8-digit Brokerage or SPS Advantage account number)

For government-related payments (e.g., Social Security):
Government agencies require use of special government forms. Please contact the appropriate government agency to receive the correct form. The Social Security direct deposit form (Form SF-1199A) can be downloaded at ssa.gov/deposit/.

Send in physical certificates. For your protection, we recommend you send in your certificates by certified mail only. Sign the back of your stock certificates and mail them to us at the address listed above. Or, call 800.297.5300 to request a Stock Power form to submit with your certificates. By having all of your certificates held at AEIS, they will be readily available when you want to sell.

Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients. The Ameriprise ONE® Financial Account is a brokerage account with cash management features.

  • Reference your account number in the memo line of the check.
  • For IRA contributions also include the year of contribution.

    Mail your check to:
    Ameriprise Financial
    70400 Ameriprise Financial Center
    Minneapolis, MN 55474

To report a change of address, log in to the secure site on ameriprise.com and click on “My Profile”.

Quicken® recognizes an Ameriprise ONE Financial Account’s cash management transactions as a checking account when you follow these steps:

  • From the Main Menu in Quicken, choose Tools > Accounts List.
  • Select your Ameriprise ONE Financial Account from your accounts list, then click the Edit button.
  • On the General Information tab on the Account Details window, choose “yes” to “Show cash in a checking account.” Quicken will prompt you to back up your data file.
  • Once the backup is complete, you will see an account created in Quicken with the same name you gave your Ameriprise ONE Financial Account, plus the suffix “Cash.” This account will appear in the “Banking” section, while your investment information remains in the “Investing” section. Click the OK button to save your changes.

Online Bill Pay

Paying bills online is easy, and you can set up one-time or recurring payments. To get started, log in to the secure site on ameriprise.com, select your Ameriprise ONE Financial Account, then click "Pay Bills" in the “Actions” menu on the sidebar. The electronic bill payment service uses the Automated Clearing House (ACH) network to electronically transfer your payments from your bank account to the third party you owe on the date you specify. If a company or individual is not set up for electronic transfer, a check is sent to them via U.S. Mail.
From the online bill pay Payment Center, choose “Add a Bill”. You will need to provide the name of the payee, the address (city, state, ZIP code) and any relevant account number or other identifying information.

When you enter an amount, Bill Pay automatically displays the earliest date the biller will receive the payment. You can accept this date or change it.

Use the payment calendar in the Payment Center to determine the pay date you can select to pay your bill. The calendar shows:

  • The pay dates available in the current month. You can scroll to future months, if necessary.
  • The earliest date you can select for the biller to receive the payment.
  • The due date for your bill if you are paying an e-bill or if you set up reminders for the bill you are paying.

Remember to check your next statement to ensure that your payment was credited correctly.

The payment will be made by either:

All-Electronic Payment: An electronic transfer to the payee account is made on the payment date you specify.

Electronic-to-Check Payment: The electronic bill payment service mails a check to payees that are not set up to handle electronic payments. The payee handles the payment as a regular paper check.

The only payments that we do not recommend making are tax payments and court-ordered payments.
Once a payment has been made, you will see it on your monthly consolidated statement. It will also appear in your payment history and account activity online. Keep in mind that we only make the payments you authorize. You are in control of your account at all times. If for some reason a payment cannot be made — for example due to insufficient funds in your account — we will notify you via U.S. Mail.
You may inquire about a bill payment by calling our Customer Service Representatives at 888.356.1006. Please provide them with the check or bill payment number, the payment amount and the name of the payee.
Because of the time-sensitive nature of stop-payment requests, we strongly recommend that you call our Customer Service Representatives at 888.356.1006 and provide them with the check number, the check amount and the name of the payee as soon as possible.