Checking

The cash management convenience you need

Choose one of our basic checking accounts or consider simplifying your finances by taking advantage of checking features inside an Ameriprise One® Financial Account. You'll discover a convenient solution to managing your cash.

All our checking accounts offer access to your funds when and where you want - online, by phone, by mail or through our national network of ATMs, 24 hours a day.1 Through our checking accounts, you'll also enjoy the convenience of online bill pay.

Which checking option is right for you?

Features

Ameriprise ONE® Financial Account

Ameriprise® Interest Checking1

Ameriprise® Standard Checking1

Check writing

Free, unlimited check writing Yes Yes Yes
First order of checks free Yes Yes Yes
Check images Available online With monthly statement With monthly statement

Ameriprise Debit MasterCard®
Make purchases wherever MasterCard® cards are accepted — over 25 million locations worldwide.2

Issued by Ameriprise Bank, FSB pursuant to a license from MasterCard International Incorporated

Yes

Earn Ameriprise Rewards points on each purchase made with this card.

Rewards points redeemable for:

  • Up to 1% cash back into an Ameriprise brokerage account or
  • 1.5% toward a financial plan
  • Rewards catalog (PDF)

Yes

Yes

Online bill pay
Make unlimited free payments on a one-time or recurring basis.6

Yes

Yes

Yes

ATM access
No surcharge for cash withdrawals at more than 21,000 ATM locations with MasterCard ATM Alliance logo.3

Access to more than 1 million ATMs in over 210 countries. Ameriprise does not impose fees for using ATMs outside of the ATM network. Fees may be imposed by other banks.

Find ATMs

Yes

Ameriprise Achiever Circle members:
Plus rebate of up to 5 surcharges imposed by other banks per month, up to $10 per month.

Ameriprise Achiever Circle Elite members:
Plus rebate of all surcharges imposed by other banks.

Yes

Surcharges imposed by other banks rebated automatically up to four times per month, up to $1.50 per transaction

Yes

Interest rate4

Cash account rates

Cash account rates

Not Applicable     

Annual percentage yield5

Cash account rates

Cash account rates

Not Applicable     

Free unlimited online access to internet banking

Yes

Yes

Yes

Download to Quicken® or Microsoft Money®

Yes

Yes

Yes

Phone banking

Free, unlimited

Yes

Yes

Yes

Customer service

Account representative support 24 hours a day, 7 days a week7

Yes

Yes

Yes

Minimum opening balance8

No minimum required
$500 in cash or securities to activate Ameriprise ONE Financial Account
features

$100

$100

Overdraft protection

Personal line of credit ($5,000 maximum)

Yes

Yes

Yes

Fees9

All Ameriprise ONE Financial Account features are covered by the quarterly account maintenance fee.

$9 monthly fee waived if you:

1. Maintain an average minimum balance of $2,500 in this account

OR

2. Maintain average minimum combined balances of $5,000 in the following accounts: money market, checking, savings and outstanding balances on Ameriprise Bank, FSB unsecured lines of credit

$9 monthly fee waived if you:

1. Maintain an average minimum balance of $1,500 in this account

OR

2. Maintain average minimum combined balances of $2,500 in the following accounts: money market, checking, savings and outstanding balances on Ameriprise Bank, FSB unsecured lines of credit

FDIC insured

An insured money market account sweep option is FDIC insured to at least $100,000 per depositor. 
Other money market fund sweep options are not FDIC Insured.

Yes, up to $100,000 per depositor

Yes, up to $100,000 per depositor

How to apply

Contact an Ameriprise Financial advisor

Apply online

Apply online

1These products are not available to business customers. Advisors have limited access to set up and manage these accounts.

2Your daily debit card purchase limit is $2,500 per business day.

3All other ATM owners may assess fees. Withdrawals limited to $1,000 per business day.

4Interest rate is effective as of 01/08/2008. At our discretion, we may change the interest rate at any time without notice. Fees may reduce earnings.

5APY = Annual Percentage Yield. APY is effective as of 01/08/2008. At our discretion, we may change the APY at any time without notice. Penalties and fees may reduce earnings.

6Court-ordered payments and tax payments may not be made through online bill pay.

7Generally available 24 hours a day, 7 days a week except when systems are unavailable due to scheduled maintenance or due to an unexpected disruption.

8A $500 deposit is required to activate Ameriprise ONE Financial Account features. Maximum deposit of $500,000 per depositor.

9Fees may reduce earnings.

View the FDIC web site to learn how deposit insurance works.

The Ameriprise ONE Financial Account is a brokerage account with cash management features. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC.

Ameriprise Bank, FSB, Member FDIC is an Equal Housing Lender. Ameriprise Bank provides certain deposit, lending and personal trust products and services to Ameriprise Financial Services, Inc. Ameriprise Bank and Ameriprise Financial Services are subsidiaries of Ameriprise Financial, Inc. Deposit products are FDIC insured to at least $100,000 per depositor.

Next steps
Talk to an advisor about the right cash strategies for you

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