Savings Account and Money Market Account

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Savings & money market accounts

Make your cash work hard for you through a competitive rate of return. Savings and money markets help you grow your money conservatively, with flexible and convenient access to your funds when and where you want – online, by phone, by mail or through our network of ATMs.

We offer the Ameriprise^® Personal Savings account as part of our Ameriprise ONE^® Financial Account, in addition to Ameriprise Bank savings and money markets. With this account, you can build a cash reserve for short-term savings, unexpected emergencies and unforeseen opportunities, or to balance your portfolio. Features include:

Competitive interest rates. The larger your balance, the higher your annual percentage yield. Cash account rates and yields
Convenient access to your cash. Up to 6 withdrawals or transfers per month, of which 3 may be made to third-parties by check, debit card or other similar electronic transfer
Even more benefits for Ameriprise Achiever Circle members. Fee waivers, preferred savings rates and other special offers

Compare account features

Features	Ameriprise Personal¹ Savings Account	Ameriprise Bank Savings¹	Ameriprise Bank Money Market¹
ATM access No surcharge for cash withdrawals at more than 21,000 ATM locations that bear the MasterCard ATM Alliance logo.² Access to more than a million ATMs in over 210 countries. Find ATMs	No	Yes	Yes
Check writing Free check-writing privileges First set of checks provided free Check images provided with monthly statement	No	No	Yes
Internet banking Free unlimited online access	Yes	Yes	Yes
Phone banking Free unlimited access	Yes	Yes	Yes
Transactions	Up to 6 transfers or withdrawals per month	Up to 6 transfers or withdrawals per statement period by phone, online and preauthorized transfers.³	Up to 6 transfers or withdrawals per statement period by phone, online and preauthorized transfers, including 3 transactions by check and debit card.³
Customer service Account representative support 24 hours a day, 7 days a week⁴	Yes	Yes	Yes
Download to Quicken® or Microsoft Money®	Yes	Yes	Yes
Minimum opening balance	None	$5,000; Maximum deposit of $500,000 per depositor	$100; Maximum deposit of $500,000 per depositor.
Monthly fees⁵	All Ameriprise ONE Financial Account features are included in the quarterly account maintenance fee.	$7.50 monthly fee waived if you: 1. Maintain an average minimum balance of $5,000 in this account OR 2. Maintain a combined average minimum balance of $5,000 in the following accounts: Money Market, Checking, Savings and outstanding balances on Ameriprise Bank unsecured lines of credit	$7.50 monthly fee waived if you: 1. Maintain an average minimum balance of $5,000 in this account OR 2. Maintain a combined average minimum balance of $5,000 in the following accounts: Money Market, Checking, Savings and outstanding balances on Ameriprise Bank unsecured lines of credit
FDIC insured up to $100,000 per depositor	Yes	Yes	Yes

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

²All other ATM owners may assess fees. Withdrawals limited to $1,000 per business day.

³Checks, telephone, online and preauthorized transfers/withdrawals (including automatic and wire transfers) are limited to a total of six per statement period, of which no more than three may be made to a third party by check, Debit MasterCard or similar order.

⁴Generally available 24 hours a day, 7 days a week except when systems are unavailable due to scheduled maintenance or due to an unexpected disruption.

⁵Fees may reduce earnings.

⁶New Retirement Mindscape^® study 2006. By Ameriprise Financial in conjunction with Age Wage and Ken Dychtwald, PhD, and Harris Interactive. Based on a national telephone survey of 2,000 people between the ages of 40 - 75.

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.

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*Ameriprise helped pioneer the financial planning process. Our unique approach is about more than just numbers, it's both science and art. We have more financial planning clients and more CERTIFIED FINANCIAL PLANNER^TM professionals than any other company in the U.S. based on data filed at adviserinfo.sec.gov and documented by the Certified Financial Planner Board of Standards, Inc. as of December 31, 2007.