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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, available upon request

Yes, available upon request

Check writing
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.3

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

Download to Quicken® or Microsoft Money®

Yes

Yes

Yes

Minimum opening balance

None

$1,000; Maximum deposit of $500,000 per depositor

$100; Maximum deposit of $500,000 per depositor.

Monthly fees4

All Ameriprise ONE Financial Account features are included in the quarterly account maintenance fee.

$3.00 monthly fee waived if you:

1. Maintain an average minimum balance of $1,000 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 insured6

Yes

Yes

Yes

How to apply

Contact an Ameriprise financial advisor

Contact an Ameriprise financial advisor

OR

Apply online

Contact an Ameriprise financial advisor

OR

Apply online

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.

3Telephone, 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.

4Fees may reduce earnings.

5New 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.

6FDIC deposit insurance has been temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. Funds held in an identified FDIC insurable capacity will be FDIC insured up to a maximum of $250,000 at a single bank, and any amount deposited above $250,000 will not be covered by FDIC deposit insurance.

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. Some products and services described may not be available in all jurisdictions or to all clients.

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. Ameriprise financial advisors may receive compensation for offering bank products.

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Banking & Cash Management

Pre-retirees are much more likely to have set aside funds in other savings or investment accounts for retirement (88%) versus those without an advisor (61%).5