Brokerage account and custodial fees

Ameriprise Financial clients can benefit from a full range of financial products and services designed to meet your needs. If you choose to implement your financial plan with Ameriprise Financial, any brokerage account and custodial fees are charged based on the products and services you purchase.

You may be eligible to be part of the Ameriprise Achiever Circle program offering exclusive benefits including reduced or waived fees noted below.

All fees are subject to change. Other fees and waivers may apply. Please see the Client Relationship Guide for additional information.

In this article,

Account maintenance and custodial fees eligible for Ameriprise Achiever Circle Elite ² fee waiver

Ameriprise Brokerage Account and Ameriprise ONE^® Financial Account

Fee amount	Fee may be waived, reversed or reduced if one or more of the following conditions are met
$100 per year ($25 per quarter)¹	An account holder is recognized as an Ameriprise Achiever Circle Elite² member
	The account is open less than three months
	The account holds only annuities/life insurance policies (annuity/life insurance contract charges may apply)
	The account holds only eligible alternative investment position(s)
	The household group has paid $300 in brokerage account maintenance and/or custodial fees for the calendar year
	The primary taxpayer on the account belongs to an Ameriprise employee, advisor or advisor staff member
Ameriprise ONE Financial Account only	The account has a direct deposit of $9,000 within the preceding quarter (Achiever Circle Elite not required for this waiver)

Ameriprise ^® Brokerage 529 Plan Account

Fee amount	Fee may be waived, reversed or reduced if one or more of the following conditions are met
$25 per year	An account holder is recognized as an Ameriprise Achiever Circle Elite² member
	The household group has paid $300 in brokerage account maintenance and/or custodial fees for the calendar year
	The taxpayer on the account is an Ameriprise employee, advisor, franchisee or employee of a franchise advisor

Ameriprise ^® Coverdell Education Savings Account (CESA)

Fee amount	Fee may be waived, reversed or reduced if one or more of the following conditions are met
$10 per year¹	An account holder is recognized as an Ameriprise Achiever Circle Elite² member
	The account is recognized as a grandfathered lifetime custodial fee-waived plan
	The household group has paid $300 in brokerage account maintenance and/or custodial fees for the calendar year (excludes fees charged to mutual fund accounts held outside of an Ameriprise Brokerage account or Ameriprise ONE^®Financial Account)

Ameriprise ^® Tax-Sheltered Custodial Account (TSCA)

Fee amount	Fee may be waived, reversed or reduced if one or more of the following conditions are met
$50 per year	An account holder is recognized as an Ameriprise Achiever Circle Elite² member

Ameriprise ^® Individual Retirement Account (IRA)

Fee amount	Fee may be waived, reversed or reduced if one or more of the following conditions are met
$75 per year	An account holder is recognized as an Ameriprise Achiever Circle Elite² member
	The IRA is invested through only a managed account, annuity or Ameriprise certificate
	The IRA plan is recognized as a grandfathered lifetime custodial fee-waived plan
	The account holds only eligible alternative investment position(s)
	The household group has paid $300 in brokerage account maintenance and/or custodial fees for the calendar year

Additional account maintenance and custodial fees

Ameriprise ^® Brokerage Qualified Plan Investment Only Account

Fee amount	Fee may be waived, reversed or reduced if one or more of the following conditions are met
$100 per year ($25 per quarter)¹	The account holds only eligible alternative investment position(s)
	The account is open less than three months
	The plan contains only a managed account, annuity or Ameriprise Certificate

Ameriprise ^® Custodial 401(a) Plan Account

Fee amount	Fee may be waived, reversed or reduced if one or more of the following conditions are met
$75 per year	Fee may be waived if only invested through a managed account, annuity or Ameriprise Certificate
	The account holds only eligible alternative investment position(s)

Account maintenance and custodial fees apply to the accounts listed above; they do not apply to managed accounts. For more information about fees assessed to managed accounts, contact an Ameriprise financial advisor.

¹Maintenance fees for Ameriprise brokerage accounts and Ameriprise ONE Financial Accounts with UGMA/UTMA ownerships are $15 per quarter ($60 per year).

²Eligibility for recognition in the Ameriprise Achiever Circle Elite program is achieved through maintaining a household group value with Ameriprise Financial of $500,000 or more. A household group consists of accounts owned by an individual, their spouse or domestic partner, and their unmarried children under the age of 21 who reside at the same address. Plans subject to ERISA will not be included in the total household group value when determining Achiver Circle Elite eligibility.

Service Fees

ADR³	Variable
ATM Surcharge	Variable
Brokerage Retail Order Handling Fees	$6 per trade
Cash Debit⁴	Variable
Certificate Delivery	$80
Check Copy	$3 per copy
Check Reorder	Variable
Custody/Safekeeping — Worthless⁵	$25/per position
Debit Card Receipt Copy	$10 per copy
Deposit/Withdrawal at Custodian (DWAC)⁶	Variable
Direct Registration System (DRS) Request Fee⁷	Variable
DRS Reject Fee³	Variable
Estate Settlement and Processing Fee⁸	$200
Express Mail — Domestic	$25
Express Mail — International	$35
Invalid Certificate⁹	$125
IRS Form 990-T UBTI Tax Filing Service Fee¹¹	$200 per Form 990-T filed
Late Trade Settlement	$15 per trade ($30 max charge per settlement date)
Legal Process	$40 per order
Legal Transfers	$30
No-load Mutual Funds	$39.95 per fund
Non-Sufficient Funds	$29
Physical Custody - Foreign Security	$100 per position
Physical Reorg Deposit	$70 per CUSIP
Pledge Account (paid at the time the account is pledged)	$100
Registered Non-traded Security Custody (Initial)	$150
No-load Mutual Funds	$39.95 per fund
Non-Sufficient Funds	$29
Pledge Account (paid at the time the account is pledged)	$100
Physical Custody - Foreign Security	$100 per position
Physical Reorg Deposit	$70 per CUSIP
Quotes	Variable
Registered Non-traded Security Custody (Annual fee)	$150 per position
Registered Non-traded Security Custody (Initial)	$150
Research	$25 per hour
Restricted Custody (Initial Fee)	$100 per position
Restricted Custody (Annual Fee)	$100 per position
Restricted Transaction	$100 per transaction
Returned Check or ACH Deposit	$25 per item
Stock Borrowing	Variable
Stop Payment or Reissue¹⁰	$25 per item
Transaction Fee	Variable
Transfer Out	$125
Treasury Auctions	$40
Unregistered Security Custody (Annual fee)	$250 per position
Voluntary/Reorg Service Charge	$30
Wire Transfer Out — Domestic	$30
Wire Transfer Out — International	$35

³Ameriprise reserves the right to assess on a pass-through basis any applicable Depository and Transfer Agent custodial fees against your account related to securities you may hold. Ameriprise and its clients are subject to policy and regulations set forth by various regulatory bodies and exchanges. At times, a nominal transaction fee to cover costs of self-regulation may be charged. These policies, regulations, and fees are subject to change.

⁴ Ameriprise reserves the right to assess fees and/or interest on any funds advanced to you which result in an open debit in your account. Open Debit Fees are calculated as follows: Debit amount (x) base margin lending rate (x) number of days/360 = Fee amount.

⁵ To help defray the cost of holding and maintaining securities that may have been deemed worthless and/or without value

⁶ DWAC fees are typically $50 to $250 but can vary by transfer agent. The actual cost will be determined by the transfer agent, and will be passed onto you. DWAC fees are assessed when exercising employee stock options within an Ameriprise Brokerage Account.

⁷ DRS fees are generally $15, but can vary by transfer agent. The actual cost will be determined by the individual transfer agent and will be passed on to you. DRS fees are assessed when transferring shares to client brokerage accounts.

⁸Estate Processing fee is charged one time at the time of estate settlement. This fee will be waived under the following circumstances:

Estate contains no eligible Ameriprise brokerage or advisory accounts
Decedent’s spouse is the sole claimant
Decedent is under 21 years of age
Total claim value is less than $5,000
Total claim value is greater than $1,000,000

⁹ For a certificate that is rejected by the assigned transfer agent because it was previously paid, replaced, reissued, exchanged, has a “Stop Transfer” applied to it or has otherwise been deemed invalid.

¹⁰ For disbursements issued by Ameriprise.

¹¹Master limited partnerships held in an IRA can generate unintended business taxable income (UBTI) resulting in a current year federal income tax liability for qualified accounts. This service fee covers the tax return preparation and filing on these investments, when required.

Brokerage trade related fees

Ameriprise Financial may assess multiple trade-related fees and/or commissions if a single order or transaction is executed on multiple days.

Fee type	Additional details	Fee amount
Retail Order Handling Fee	Not assessed for orders placed in managed accounts, institutional accounts, annuities, insurance and certain alternative investments.	$6
Late Trade Settlement	Up to a maximum charge of $30 per settlement date for trades within an account where an extension has been filed (online Brokerage only).	$15
Transaction Fee	Ameriprise Financial and its clients are subject to policy and regulations set forth by various regulatory bodies and exchanges. At times, a nominal transaction fee to cover costs of self-regulation may be charged. This fee is only assessed on sells of certain securities; it is not assessed on mutual fund buys or sells. These policies, regulations and fees are subject to change.	Variable

Mutual fund trade related fees

Fee type

Additional details

Fee amount

No-Load Mutual Funds without a transaction fee

Other fees and expenses may apply. Refer to the fund prospectus for details. A transaction fee may be assessed at the time of purchase or sale to cover the cost of offering the mutual fund to you. An early redemption fee may also be imposed by the fund company, generally if the position is held less than 180 days; refer to the fund prospectus for details.

Ameriprise Financial reserves the right to assess any applicable fees or associated costs on a pass-through basis.

No charge

No-Load Mutual Funds with a transaction fee

A transaction fee may be assessed at the time of purchase or sale to cover the cost of offering the mutual fund to you. An early redemption fee may also be imposed by the fund company, generally if the position is held less than 180 days; refer to the fund prospectus for details.

Ameriprise Financial reserves the right to assess any applicable fees or associated costs on a pass-through basis.

$39.95

Load Mutual Funds

Refer to the fund prospectus

Investment minimums for individual mutual funds are determined by the fund company. Refer to the fund prospectus for details.

Ameriprise Financial provides record keeping and shareholder services for, and receives remuneration from, unaffiliated funds. You can buy shares directly from the fund itself, or its principal underwriter or distributor, without paying brokerage transaction fees.

Margin lending

The following structure and rates apply:

Average daily debt balances	Margin rate	Effective rates
$500,000 – above	Base − 1.00%	10.50%
$100,000 – $499,999	Base − 0.50%	11.00%
$50,000 – $99,999¹²	Base¹³	11.50%
$25,000 – $49,999	Base + 1.25%	12.75%
$0 – $24,999	Base + 2.00%	13.50%

¹² Margin interest charges will be calculated based on a sliding scale of percentages added to or subtracted from a base lending rate, set at the discretion of American Enterprise Investment Services, Inc., with reference to commercially recognized interest rates, industry conditions regarding the extension of margin credit and general credit conditions.

¹³ Base lending rate: 11.50% as of Nov. 8, 2024.This information is subject to change without notice.

ATM surcharge fees

ATM network/owner surcharges and the ATM fee rebate program
Ameriprise Financial does not assess ATM surcharge fees and is a member of a surcharge-free ATM network. ATM operators and/or networks who are not members of the surcharge-free network may assess an ATM surcharge fee. In those instances, we offer a rebate program if you are recognized as an Ameriprise Achiever Circle or Ameriprise Achiever Circle Elite member. ATM surcharge fees are rebated monthly based on your Ameriprise Achiever Circle status at month end. The ATM fee rebate program may be modified or discontinued at any time. To find surcharge-free ATM locations near you visit ameriprisebank.com/atm.
Achiever Circle Members	Receive up to five surcharge transaction fee rebates totaling up to $10 per month.
Achiever Circle Elite Members	Receive unlimited surcharge transaction fee rebates.

The Ameriprise ONE^® Financial Account is a brokerage account with cash management features.

Investment products are not federally or FDIC insured, are not deposits or obligations of, or guaranteed by, any financial institution, and involves investment risks including possible loss of principal and fluctuation in value.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.