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 helps you move your money to the financial solutions you choose that can help meet your saving, spending, investing and protection goals. It connects all the parts of your plan and helps you stay focused on your objectives by giving you a central way to manage all parts of your account given your long term, short term and immediate term cash management goals. Open an account1 today with as little as $500 in cash or securities.

When the money you earn from payroll deposits 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 your checking account. 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 are paid from it.

See current rates

Investment capabilities2

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

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 with contactless & digital wallet capability with Apple Pay, Samsung Pay, Garmin Pay & FitBit Pay 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.

Check writing6

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

FDIC Insurance7

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

related information

Investing for major financial goals

Maximize your retirement savings

1Quarterly maintenance fees will be waived for Ameriprise Achiever Circle Elite members, or if you electronically deposit $9,000 per quarter. Fees may reduce earnings.
2Ameriprise Financial Services, LLC. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.
Investment products, including shares of mutual funds,  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.
3The cash management features of the Ameriprise ONE Financial Account are provided by Ameriprise Financial Services, LLC. Ameriprise Financial Services, LLC. is a subsidiary of Ameriprise Financial, Inc. Ameriprise financial advisors may receive compensation for selling certain cash management products.
4Payment processing is provided through Fiserv Solutions, LLC. Bill Pay services are not available for clients residing in foreign countries. Representatives from Ameriprise Financial are available at 800.862.7919.
5The Ameriprise Visa® Debit card is offered on the Ameriprise ONE Financial Account. 
The Ameriprise Visa Debit 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.
The Contactless Indicator mark and the Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.
Apple, the Apple logo, Apply Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other counties, iPad is a trademark of Apple Inc.
©2019 Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Use only in accordance with the law. Contact your bank or financial institution to verify that it is a Samsung Pay participant. Samsung Pay is available on select Samsung devices.
Garmin®, Garmin Pay™ and Garmin Connect™ are registered trademarks and service mark of Garmin Ltd.
Fitbit Pay is available on select Fitbit watches, including the Fitbit Ionic and Fitbit Versa SE. Fitbit Pay and the Fitbit Pay Logo are trademarks, service marks and/or registered trademarks of Fitbit, Inc.
6Cash/Draft Check Cashing: Ameriprise ONE Financial Account checks are cleared through Ameriprise Bank, FSB. 
7Ameriprise® Insured Money Market Account (AIMMA) is an FDIC-insured deposit product offered through Ameriprise Financial Services, LLC. and held in an omnibus account(s) at one or more FDIC-member banks (collectively, the "Program Banks"). The Program Banks may serve individually as custodians for all or a portion of the assets held within your AIMMA, as described in the "Ameriprise® Insured Money Market Account" section of the "Other Important Brokerage Disclosures" document.
The FDIC website at fdic.gov allows you to determine the amount of your deposits which are insured. For more information, please contact the FDIC directly at 1-877-ASKFDIC (1.877.275.3342). Any other deposits you may make to a Program Bank outside of AIMMA will be combined for purposes of determining the level of FDIC coverage per depositor at that specific bank. You are responsible for monitoring the total amount of funds they hold at each Bank in order to ensure that your total deposits are within FDIC guidelines and fully insured.
Deposits in AIMMA are FDIC Insured up to $2.5 million per individual investor (up to $5 million for join accounts). Deposit products are not covered by the Securities Investor Protection Corporation (SIPC).
Full terms and conditions regarding Ameriprise® Insured Money Market Account can be found in the "Other Important Brokerage Disclosures" document.