Cash management

Make deposits easily and invest automatically

Cash management is made simple at TD AMERITRADE. Making deposits, withdrawals and check writing are fast and efficient.
Roll over your old 401k into a TD AMERITRADE Easy IRA - Learn more
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Easy account funding

Make deposits easily, even automatically. At TD AMERITRADE, we make it simple and convenient to deposit funds into your account ... electronically, by check or by wire from a like titled account.

Invest automatically

Add to your mutual fund holdings automatically. With recurring orders, you can automatically invest cash from your brokerage account into one or more of your existing mutual fund positions on a regular basis — monthly or quarterly. You can invest as little as $100 each time. And there are no transaction costs.

Dividend reinvestment

A smart way to grow your portfolio - without thinking about it. Many investors don't realize that reinvesting dividends over time can have a significant, positive impact on their overall return. It automatically reinvests your dividends in more shares of the company's stock, and is available at no cost on some common and preferred stocks and closed-end mutual funds.

TD AMERITRADE checking

Checking makes it easy to use your money when you need to. There's no annual fee, and your first 20 checks are free. All reorders for Apex clients are free. Also, make paying easy with an ATM/VISA® Debit Card.

Checking is available for most TD AMERITRADE accounts.

Earn interest on cash balances

You can choose how you'd like to earn interest on your cash balance when it is not invested in securities with two great options: TD AMERITRADE FDIC Insured Deposit Account or TD AMERITRADE Cash. Review the rates.

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Cash in the IDA is held at TD Bank, N.A., TD Bank USA, N.A., or both. Assets at each bank will be eligible for FDIC insurance of up to $250,000 per depositor. Because there are two banks in the IDA program, IDA balances could be covered for up to $500,000 per depositor. TD Bank N.A. and TD Bank USA, N.A. are affiliates of TD AMERITRADE.

Apex qualification is based on an average of five trades per month over a three-month period or a $100,000 total account value. Apex membership may also be granted on a free trial basis. Qualification is reviewed every three months.