Strategically manage cash and simplify your financial life

 

Ameriprise Bank Checking Account

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Seamlessly manage more of your financial life in one place with a digital Ameriprise® Bank Checking Account.
 

Fully integrated with the secure site on ameriprise.com and the Ameriprise Financial app,1,2 the account offers checks, debit card3 and more with no monthly maintenance fee.4

Getting started is easy with a simple online application and minimum opening deposit of $25.1,5

Earn up to a $1,400 bonus*


1. Open a new Ameriprise Bank Checking Account.

2. Set up qualifying direct deposits of $1,500 or more within 90 days of account opening.

Learn more

 Open a checking account1,5 https://www.ameriprise.com/secure/bank-checking-application?MPID=01000000PS00BA100BAU00012


1. Open a new Ameriprise® Bank Savings Account and make one or more eligible deposits within 30 days of account opening. 

Deposit:                                         Earn:
_______________________________________
$25,000 -  $49,999.99                   $350
_______________________________________
$50,000 - $99,999.99                    $650
_______________________________________
$100,000 or more                         $1,000

2. Maintain your qualifying balance amount for 90 days.

Learn more

 Open a savings account1,6 https://www.ameriprise.com/secure/bank-savings-application?MPID=00800000PS00BA100BAU00011

Ameriprise Bank Checking Account features

 true Digital convenience mobile-device

Use your checking account 24/7 alongside all your Ameriprise accounts on the secure site on ameriprise.com or the Ameriprise Financial app.1,2 

 Simple money transfers transferring-funds

Move money to and from other eligible Ameriprise accounts. Deposit or withdraw funds from your checking account using ACH transfers and send and receive money using Zelle®.7 

 Easy cash access paycheck

Withdraw cash from any ATM displaying the Visa® or NYCE® logos,8 and at participating Visa network merchants offering cash back with purchase. We’ll reimburse ATM withdrawal fees up to applicable limits.9   

 No account fees coins

Keep more of your money with no maintenance and overdraft fees.4

 FDIC insured target

The Ameriprise Bank Checking Account is FDIC insured up to applicable limits.10 

 Customer service conversation

The Ameriprise Bank Customer Service Center is available from 7 a.m. to 7 p.m. Central time (CT) Monday – Friday for questions or support at 800.862.7919. 

Checks 

Write checks from your Ameriprise Bank Checking Account. 

Debit card 

Pay securely with your Ameriprise Bank Checking Account debit card,3 enabled for contactless payments and digital wallet –including Apple Pay®, Samsung Pay® and Google PayTM.11  

Online bill pay 

Pay bills online, saving you time and postage. You can choose to receive electronic bills and then set up one-time, future or recurring payments.12 

Mobile deposits 

Make mobile deposits using the Ameriprise app for convenient check deposits.2 

Overdraft Protection   

Cover your Ameriprise Bank Checking Account transactions with Overdraft Protection.13 Enroll in Overdraft Protection online through the secure site or the Ameriprise app, and link your eligible Ameriprise Bank Savings Account.1,2 Automatically transfer funds from your savings account to your checking account to cover transactions and payments.  

Direct deposit

Get your paycheck, social security, or pension deposited into your checking account.14 Switching your direct deposit to Ameriprise is simple and quick in the secure site or the Ameriprise app.1,2  

Send money quickly with Zelle®

Use Zelle® with your Ameriprise Bank Checking Account to send and receive money with family, friends and others you trust.6 You can access Zelle® on the secure site or the Ameriprise app.1,2

Learn more

Ameriprise Bank Checking Account rates

Account Balance15

Interest Rate15

Annual Percentage Yield15

All balances

0.03%

0.03%

 

Printer-friendly checking account rate sheet

Related Information Ameriprise Bank Checking Account FAQ https://www.ameriprise.com/customer-service/ameriprise-bank-checking-account-faqs Ameriprise Bank Savings Account https://www.ameriprise.com/products/cash-cards-lending/bank-savings Personal cash flow management strategies https://www.ameriprise.com/financial-goals-priorities/personal-finance/personal-cash-flow-management-strategies Simplify your financial life

Enjoy the convenience, access and control of a checking account.

 berry-tint Log in and apply1,5 https://www.ameriprise.com/secure/bank-checking-application?MPID=01000000PS00BA100BAU00012 Simplify your financial life

Enjoy the convenience, access and control of a checking account.

 berry-tint Log in and apply1,5 https://www.ameriprise.com/secure/bank-checking-application?MPID=01000000PS00BA100BAU00012
Disclosures:

The content of this page is informational only

*To receive the checking bonus offer: 1) Open a Checking Account from July 1, 2026, to December 29, 2026, and 2) Set up qualifying direct deposit(s) into your Checking Account of at least $1,500 within 90 calendar days of account opening. See full terms and conditions. To receive the savings bonus offer: 1) Open a Savings Account from July 1, 2026, to December 29, 2026, and 2) Make eligible deposits totaling $25,000 or more within 30 calendar days of account opening and maintain that balance or more for 90 calendar days. See full terms and conditions.
 
1If you do not have secure site access or have any questions, please contact Ameriprise Bank Customer Service Center at 800.862.7919. If you are not a current client of Ameriprise, click here to apply.
 
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. 
 
3The Ameriprise® Bank Checking Account debit card is issued by Ameriprise Bank, FSB, pursuant to a license from Visa U.S.A. Inc.

4The Ameriprise Bank Checking Account has no account fees that include maintenance and overdraft fees. Other service fees may apply and can be found in the Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure on ameriprise.com.
 
5Ameriprise® 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. 
 
6Ameriprise® Bank Savings Accounts are subject to approval. Other terms and conditions apply. The terms, conditions, fees and features of the Ameriprise® Bank Savings Accounts may change. For terms and conditions of Ameriprise® Bank Savings Account, please see Ameriprise Bank, FSB Deposit Account Agreement.
 
7To 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. 
 
8Visa® 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. 
 
9Ameriprise 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 Achiever Circle program. Please see ameriprise.com/products/achiever-circle for information about Ameriprise Achiever Circle program.
 
10For information regarding FDIC deposit insurance, please visit FDIC: Your Insured Deposits
 
11Use 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.
 
12Bill Pay is available on qualifying Ameriprise Bank Checking Accounts. See Bill Pay Terms and Conditions for more details. 
 
13The 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.
 
14The direct deposit service (“Service”) is provided by third-party service provider Underdog Technologies Inc., d/b/a Pinwheel (“Pinwheel”). Underdog Technologies, Inc. is not affiliated with Ameriprise Bank, FSB. The use of the Service is available on Ameriprise Bank Checking Accounts only. The use of the Service is subject to the terms and conditions issued by Pinwheel and other third parties such as wireless companies or data service providers and Ameriprise Bank, FSB Direct Deposit Change Terms and Conditions. The direct deposits are subject to the terms and conditions of the Ameriprise Bank, FSB Deposit Account Agreement. Wireless, message and data rates may apply.
  
15Annual Percentage Yield (APY) and interest rate are accurate as of 07/01/2026. Ameriprise Bank Checking Account is a tiered variable-rate account. Each tier reflects the minimum and maximum daily ending balance required to obtain the applicable APY and interest rate. Ameriprise Bank Checking Account APYs and interest rates offered within two or more consecutive tiers may be the same. When this occurs, multiple tiers may show as a single tier. The rates in any tier may change in our sole discretion at any time without notice, before or after the account is opened. The APY for all Ameriprise Bank Checking Account balance tiers is currently the same. Fees could reduce earnings. Interest is compounded daily and paid monthly. Please see Ameriprise Bank Checking Account Rates and Ameriprise Bank, FSB Deposit Account Agreement at ameriprise.com/disclosures for more information.

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.

© 2026 Ameriprise Financial, Inc. All rights reserved.