Ameriprise ONE^® Financial Account FAQ

Within the secure site on ameriprise.com, you can pay bills, review and print your account activity, order checks, confirm your checks have cleared and transfer funds between accounts.

You can fund your account by logging into the secure site on ameriprise.com or the Ameriprise Financial app and use the transfer tools. Additional assistance to questions on how to transfer money is available on the secure site on ameriprise.com by clicking on Help Topic: Transfer Money.

You can deposit a check into your ONE Account using the mobile deposit feature of the Ameriprise Financial app. You must be a registered user of the secure site on ameriprise.com to use the Ameriprise app. For more information on mobile deposit, go to Ameriprise.com/mobile.

You can also mail a check made payable to American Enterprise Investment Services to the address below. You can print deposit slips from Ameriprise.com or you can simply write your account number in the memo line of the check and mail the endorsed check to: 

Ameriprise Financial Center
70200 Ameriprise Financial Center
Minneapolis, MN 55474

Setting up a direct deposit is safe and secure – here are steps to follow to get started: 

• Contact your pension or employer’s payroll provider for their specific paperwork or procedures to direct your deposits to your Ameriprise ONE Financial Account.   
• As part of the paperwork, you’ll be asked for a routing number and account number – use the numbers from the bottom of your checks (see example). You may also be asked to provide a voided check for confirmation. 

• The Social Security direct deposit form (Form SF-1199A) can be downloaded at ssa.gov/deposit/. Or visit the godirect.gov page for instructions setting up a direct deposit online. Submit the voided check with the form to the payment originator.   
• To avoid delays, be sure to sign the paperwork and provide any other required documentation, then submit your request to your payment administrator as soon as possible. Depending on the processor, direct deposits may take one to two payment cycles to get started. 

Please do not mail any direct deposit forms to Ameriprise as we cannot process them. 
For any other brokerage account direct deposit questions, please call the Client Service Center at 800.862.7919.

To wire funds to your brokerage account, including ONE Account, please contact your advisor or the Client Service Center at 800.862.7919. 

Withdrawals from any brokerage account can be requested by contacting us. Methods of withdrawal we offer:

• First-Class Mail: we can send a check to your address of record at no cost.
• Overnight Mail: we can overnight a check to your address of record for $25.00 fee.
• Domestic Wire: we can wire funds to your outside bank account for $30.00 fee.
• International Wire: we can wire funds to your foreign bank account for $35.00 fee. The receiving institution may also charge a fee. The minimum wire amount is $200. On the request we require (additional information may be required and restrictions may apply):
• International Bank Account Number (IBAN)
• Bank name
• Bank account number
• Bank SWIFT number or International routing number/IRC number (international equivalent of ABA routing number) or Bank Identifier Code/BIC
• Bank street address
• Bank city and country
• Beneficiary address
• Beneficiary phone number
• Client signature 
• ACH transfer: request funds to be sent electronically via ACH funds to your outside domestic bank account at no cost. This request can be completed online via the secure site on ameriprise.com or by working with your financial advisor.

To reorder checks, log into the secure site on Ameriprise.com. Access your ONE Account through the Overview tab at the top of the screen and click on Ameriprise ONE Acct. You will need to click on your Ameriprise ONE Acct and then the “I’d Like to” menu will display and you can choose “Order Checks.”  A new window will launch that brings you to Orderpoint on the Deluxe website. You will need your routing number and account number which is on the bottom of your existing checks.

If you would like to change the address appearing on the checks, please call the Client Service Center at 888.356.1006.

You can view checks you write from your ONE Account online. You can also print or save them to your computer for your records. These check images are available for viewing the day after each item clears your account.

To get started, log in to the secure site on ameriprise.com. Select the Portfolio tab at the top of the screen. Then select the Activity tab and choose your Ameriprise ONE Acct in the “View” box at the top of the page. To view a check listed in your transaction history, click the check number link in the Description field. This will display your check image, front and back. In the view mode you can zoom, rotate, print or download the check image.

To search for checks, choose "Checks" in the Account Activity drop-down menu to set your criteria, then click the blue apply button. Click the check number link in the Description field. You may enter historical dates or search for specific criteria. Within the chosen date range, you may enter the check number, amount or both in your search.

You can request a debit card for your ONE Account by calling the Client Service Center at 888.356.1006.

You can use your debit card to withdraw cash at Allpoint and Visa ATM locations. 

Ameriprise does not charge ATM transaction fees; however, certain financial institutions and ATM operators may charge a separate fee for your use of their ATM. You can avoid these fees by using ATMs with the Allpoint network alliance logo.  

Allpoint ATM locator 

Yes, your debit card has several digital wallet capabilities enabled and can be loaded on to your phone via a free app from the App Store.

Eligible digital wallet options include Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay. If you request Apple Pay, you will receive an acknowledgement letter confirming your request. The acknowledgement letter will be sent from UMB Bank which issues our Ameriprise® Visa® debit card. No further action will be required on your part. It is simply an acknowledgement to you that your request has been received and processed.

All new Ameriprise Visa® debit cards now have contactless capabilities. A contactless card allows you to make everyday purchases safely and securely with just a tap at any terminal or card reader with the contactless symbol. If contactless payment is not available, you can continue to insert or swipe your debit card as usual.

If your card does not have the white wireless symbol you may request a contactless card by calling the Client Service Center at 888.356.1006.

To report a lost or stolen debit card/PIN or to report unauthorized transactions, call 888.356.1006 (24 hours per day, 7 days a week) or for international calls: 612.671.1260.

A 1% international transaction fee is charged separately on each transaction (ATM and POS) occurring outside of the United States or U.S. Territories, per the VISA Debit card agreement. This is a Visa fee, not an Ameriprise ONE Financial Account fee.

ATM access and debit card transactions have daily transaction limits that are listed on the card carrier you receive when your card is mailed to you. You can also call the Client Service Center at 888.356.1006 for card limit information.

Paying bills online is easy and you can set up one-time or recurring payments. To get started, log in to the secure site on ameriprise.com. Select the Transfer & Tools drop-down menu at the top of the page and then choose “Bill pay.” The electronic bill payment service uses the Automated Clearing House (ACH) network to electronically transfer your payments from your ONE account to the third party you are paying on the date you specify.  If a merchant or individual is not set up for electronic transfer or the merchant or bill pay service has set ACH limits for risk mitigation purposes, a paper check may be sent to them via U.S. Mail, drawn from your ONE Account. 

From the online bill pay Payment Center, choose “Add a Company or Person.” To simplify the set-up process, a drop down menu will allow you to narrow your company search by type of merchant/service. Then click on the icon (i.e. utilities, credit card, medical). The merchant icons that are pre-established in the Payment Center will populate. Click on the appropriate icon for the merchant you would like to pay. You will need to provide your account number for that merchant. If you do not find the merchant you want to pay, you can use the “Everything Else” icon and easily set them up. To set up a person, you will need to provide the individual’s name as the payee, their address (city, state, ZIP code) and any relevant account number or other identifying information, if applicable.

When you enter an amount, bill pay automatically displays the earliest date the biller will receive the payment. You can accept this date or change it to a later date. We suggest you allow five business days to set up, change or delete a payment arrangement.

Use the payment calendar in the Payment Center to determine the pay date you can select to pay your bill. The calendar shows:

• The pay dates available in the current month. You can scroll to future months, if necessary.
• The earliest date you can select for the biller to receive the payment.
• The due date for your bill if you are paying an e-bill or if you set up reminders for the bill you are paying.

Remember to check your next statement to ensure that your payment was credited correctly.

The bill payment service reserves the right to select the method in which to remit funds on your behalf to your Biller. These payment methods include an electronic payment, an electronic to check payment or a check payment. The remit method is determined by multiple factors which include, but are not limited to, merchant ability to accept an ACH payment, dollar amount of the payment, merchant limitations on dollar amount accepted via ACH and the length of time the client has had a relationship with the bill pay service.

The payment will be made one of three ways:

1. All-Electronic Payment: An electronic transfer to the payee account is made on the payment date you specify.
2. Electronic-to-Check Payment: The bill payment service mails a check drawn electronically from your ONE account to payees who are not set up to receive electronic payments. The payee handles the payment as a regular paper check.
3. Check Payment: The electronic bill payment service mails a check from your ONE Account to be delivered on the date you specify. The payee handles the payment as a regular paper check and your account will be debited on the date the check is deposited by the payee.

You can pay anyone, anywhere in the United States. There are no minimums or limits to the number of bills that can be paid each month.

Tax payments and court ordered payments are discouraged and must be scheduled at your own risk.

You can set up a variety of reminders on your account for each merchant once they have been set up within your account.  The reminder options are: 

• email me when my payment is due;
• email me when the payment has been sent; or
• email me if not paid by the due date. 

If you set up AutoPay, you don’t need a reminder. The bill payment service will automatically make your payment each month. 

Additionally, once a payment has been made, you will see it on your monthly consolidated statement. It will also appear in your payment history and account activity online. Keep in mind, we only make payments you authorize. You are in control of your account at all times. If for some reason a payment cannot be made, for example due to insufficient funds in your account, we will notify you via U.S. Mail in approximately three to seven business days.

You may inquire about a bill payment or request a stop payment by calling our Customer Service Representatives at 888.356.1006. Because of the time-sensitive nature of stop-payment requests, we strongly recommend that you call our Customer Service Representatives as soon as possible.

Quicken® recognizes a ONE Account’s cash management transactions as a “checking account” when you follow these steps:

• From the Main Menu in Quicken, choose Tools > Accounts List.
• Select your ONE Account from your accounts list. Then click the Edit button.
• On the General Information tab on the Account Details window, choose “yes” to “Show cash in a checking account.” Quicken will prompt you to back up your data file.
• Once the backup is complete, you will see an account created in Quicken with the same name you gave your ONE Account, plus the suffix “Cash.” This account will appear in the “Banking” section, while your investment information remains in the “Investing” section. Click the OK button to save your changes.

You can find additional information at Quicken® FAQ.

Many digital financial apps specify that the ownership of the linked account be exactly the same as the digital app. Because the ONE Account is a brokerage account with check-writing features, the linkage is not able to be completed using the routing and account number from your ONE Account check.