Ameriprise Bank Checking Account
Strategically manage cash and simplify your financial life.
Seamlessly manage more of your financial life in one place with a digital Ameriprise® Bank Checking Account. Fully integrated with the secure site on ameriprise.com and the Ameriprise Financial app, the account offers checks, debit card and more with no monthly maintenance fee.1,2
Getting started is easy with a simple online application and minimum opening deposit of $25.
Ameriprise Bank Checking Account features
Use your checking account 24/7 alongside all your Ameriprise accounts on the secure site on ameriprise.com or the Ameriprise Financial app.1
Move money to and from other eligible Ameriprise accounts, deposit or withdraw funds from your checking account using ACH transfers and send and receive money using Zelle®.4
Withdraw cash from any ATM displaying the Visa® or NYCE® logos, and at participating Visa network merchants offering cash back with purchase.5 We’ll never charge you an ATM fee and we’ll reimburse you any fees you’re charged up to applicable limits.6
Enjoy the benefit of no monthly maintenance fee.2
The Ameriprise Bank Checking Account is FDIC insured up to applicable limits.7
Ameriprise Bank Customer Service Center is available from 7 a.m. to 7 p.m. Central time (CT) Monday – Friday for questions or support.
Send money quickly with Zelle®
Use Zelle® on the secure site on ameriprise.com or the Ameriprise Financial app to send and recieve money with family, friends and others you trust.1,4
Checks
Write checks from your Ameriprise Bank Checking Account.
Debit card
Pay securely with your Ameriprise Bank Checking Account debit card, enabled for contactless payments and digital wallet - including Apple Pay®, Samsung Pay®, and Google PayTM.8
Online bill pay
Pay bills online, saving you time and postage. You can choose to receive electronic bills and then set up one-time, future, or recurring payments.9
Mobile deposits
Make mobile deposits using the Ameriprise Financial app for convenient check deposits.1
Overdraft Protection
Cover your Ameriprise Bank Checking Account transactions with Overdraft Protection.10 Enroll in Overdraft Protection online through the secure site on ameriprise.com or the Ameriprise Financial app and link your eligible Ameriprise Bank Savings Account.1 Automatically transfer funds from your savings account to your checking account to cover transactions and payments.
Ameriprise Bank Checking Account Rates
|
Account Balance11 |
Interest Rate11 |
Annual Percentage Yield11 |
|---|---|---|
| All balances |
0.10% |
0.10% |
Disclosures:
The content of this page is informational only. Ameriprise® Bank Checking Accounts are subject to approval. Other terms and conditions apply. The terms, conditions, fees and features of the Ameriprise Bank Checking may change. For terms and conditions of Ameriprise Bank Checking Account, please see Ameriprise Bank, FSB Deposit Account Agreement.
1Eligibility requirements and restrictions apply. Wireless, message and data rates may apply. Please refer to Ameriprise Mobile Deposit Addendum, Ameriprise Bank, FSB Deposit Account Agreement and Mobile Deposit FAQ for information.
2For information about Ameriprise Bank, FSB checking account fees, please see the Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure.
3If you do not have secure site access or have any questions, please contact Ameriprise Bank Customer Service Center at 800.862.7919.
4To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. The use of Zelle® with your eligible Ameriprise Bank Checking Account will be governed by the Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Zelle® Terms and Conditions. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
5Visa® and NYCE® networks are available for cash withdrawal only, not deposits. Visa is a registered trademark of Visa International Service Association and used under license. NYCE and design are registered trademarks of NYCE Payments Network, LLC.
6Ameriprise Bank, FSB does not charge an ATM fee. ATM operators and/or networks used may charge an ATM surcharge fee to use their ATMs. We may reimburse some ATM surcharge fees charged by the ATM owners and/or networks. If an ATM owner and/or network does not identify the surcharge fee to us, we will not automatically reimburse that fee. If the reimbursement is not processed, we may reimburse the surcharge fee if you contact us within 90 calendar days of the transaction with the ATM receipt.
Ameriprise® Bank Checking Account (“Checking Account”) customers may receive $20 in ATM surcharge fees reimbursements per statement cycle. If you are recognized as Achiever Circle Elite (“ACE”) or Achiever Circle ("AC”) in the Ameriprise Achiever Circle program (each “Status”) on the day the applicable transaction posts to your Checking Account, you may qualify for the following ATM surcharge fee reimbursements per statement cycle: 1) ACE - unlimited reimbursement, 2) AC - up to $25 in ATM surcharge fees reimbursed. For joint Checking Accounts, the Status will be determined by the highest status among the co-owners. We reserve the right to change or terminate the ATM surcharge fee reimbursements applicable to your Checking Account at any time in our sole discretion without prior notice, unless required by law. Please see Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure for more information.
Ameriprise Bank, FSB does not offer, control or manage Ameriprise Achieve Circle program. Please see ameriprise.com/products/achiever-circle for information about Ameriprise Achiever Circle program.
7For information regarding FDIC deposit insurance, please visit FDIC: Your Insured Deposits
8Use of the Ameriprise Bank Checking Account debit card through a digital wallet is subject to the terms and conditions of the Ameriprise Bank, FSB Deposit Account Agreement and the terms and conditions of the digital wallet you use. Wireless, message and data rates may apply. Google, Google Pay, and the Google Logo are trademarks of Google LLC. Apple Pay is a registered trademark of Apple Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
9Bill Pay is available on qualifying Ameriprise Bank Checking Accounts. See Bill Pay Terms and Conditions for more details.
10The overdraft transfer service for an Ameriprise Bank Checking Account (“Checking Account”) (“Overdraft Protection”) offers the ability to link eligible Ameriprise Bank Savings Account (“Savings Account”) and Checking Account to cover situations when your Checking Account does not have sufficient available funds to pay items. Some Savings Accounts may not be eligible to be linked for the Overdraft Protection based on account ownership and other constraints. This service will automatically transfer funds in increments of $100 from your Savings Account to your Checking Account throughout the day when your Checking Account does not have enough money to pay items. If your Savings Account balance is less than $100, we will not make a transfer. Your Checking Account balance may become overdrawn, if there are not sufficient funds in your Savings Account to cover items presented for payment in your Checking Account. We do not charge fees for transfers through the Overdraft Protection. Please see Ameriprise Bank, FSB Deposit Account Agreement and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure for more information about the Overdraft Protection and overdrafts.
Each transfer through the Overdraft Protection counts against the withdrawal and transfer limit in a Savings Account. Please see Ameriprise Bank, FSB Deposit Account Agreement for information about Savings Account withdrawal and transfer limits and Ameriprise Bank, FSB Deposit Accounts Consumer Pricing Disclosure for information about excessive transaction fee.
11Annual Percentage Yield (APY) and interest rate are accurate as of 8/6/2025. Ameriprise Bank Checking Account is a tiered variable-rate account. Each tier reflects the minimum and maximum daily ending balance required to obtain the applicable APY and interest rate. Ameriprise Bank Checking Account APYs and interest rates offered within two or more consecutive tiers may be the same. When this occurs, multiple tiers may show as a single tier. The rates in any tier may change in our sole discretion at any time without notice, before or after the account is opened. The APY for all Ameriprise Bank Checking Account balance tiers is currently the same. Fees could reduce earnings. Interest is compounded daily and paid monthly. Please see Ameriprise Bank Checking Account Rates and Ameriprise Bank, FSB Deposit Account Agreement at ameriprise.com/disclosures for more information. A minimum opening deposit of $25 is required to open an Ameriprise Bank Checking Account.
The Ameriprise® Bank Checking Account debit card is issued by Ameriprise Bank, FSB, pursuant to a license from Visa U.S.A. Inc.
Ameriprise Bank, FSB provides deposit, lending, and personal trust products and services to its customers, including clients of Ameriprise Financial Services, LLC (“AFS”).
Ameriprise Bank, FSB and AFS are subsidiaries of Ameriprise Financial, Inc. Your Ameriprise advisor may earn compensation in connection with the Ameriprise Bank deposit products that you choose to open.
Ameriprise Bank, FSB. Member FDIC.
Ameriprise® and Ameriprise Financial logo are registered service marks of Ameriprise Financial, Inc.
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