Cash management account

Bring your plan to life

At Ameriprise Financial, we think of cash as more than just money for today's needs, it's an important part of your whole financial life. How you manage your cash can determine how secure you feel today and how confidently you can build your dreams for tomorrow. That's why we offer the Ameriprise ONE® Financial Account.

A better way to manage cash

The Ameriprise ONE Financial Account – a brokerage account with cash management features – allows you to hold both cash and investments. It also helps you move your money to the financial solutions you choose to meet your saving, spending, investing and protection goals. It connects all the parts of your plan and helps you stay focused on your objectives. Open an account1 today with as little as $500 in cash or securities. No minimum balance required.

When the money you earn flows directly to the Ameriprise ONE Financial Account, your plan comes to life. At the same time, the money you need for daily and monthly expenses flows automatically to a checking account of your choosing. Both your short-term and long-term goals are funded, giving you more financial confidence and control.

Cash account2

At the core of the Ameriprise ONE Financial Account is a cash sweep account that earns interest or dividends and can be used for everyday cash needs. Your cash deposits, interest earnings, trade proceeds and non-reinvested dividends are automatically swept into this account and your checks, bills, ATM/debit withdrawals and investment purchases come out of it.

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Investment capabilities2

The Ameriprise ONE Financial Account also offers robust trading capabilities. Buy or trade stocks, bonds, mutual funds, exercise options contracts and more. For more information contact your financial advisor.

Investment products are not insured by the FDIC, are not deposits or obligations of or guaranteed by a financial institution, involve investment risks, including possible loss of principal, and may fluctuate in value.

Features of the Ameriprise ONE Financial Account3

Online Bill Pay4

Pay bills online with an on-time payment guarantee. Automating the bill paying process helps you save time and postage – and there's no limit to how many bills you can pay online each month. You can choose to receive electronic bills and then set up one-time or recurring payments.

Ameriprise Visa® Debit card5

The Ameriprise Visa® Debit Card is accepted at over 25 million locations worldwide. Additionally, you can access cash at more than a million ATMs in more than 179 countries as well as the largest surcharge-free ATM network in America of over 55,000 ATM locations nationwide.

Ameriprise MasterCard® credit cards6

When you use an Ameriprise MasterCard credit card for purchases, you'll earn Ameriprise Rewards points that can be redeemed for cash back into your Ameriprise ONE financial account.3

Check writing7

Write checks to anyone for any amount up to your available account balance. There are no limits or minimums and your first order of checks is free.

FDIC Insurance8

Receive up to $2.5 million FDIC insurance coverage per depositor with the Ameriprise® Insured Money Market Account (AIMMA) used as a cash sweep.