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Standard

Choice and flexibility that comes standard

Standard accounts are our most common and flexible account types. Learn about the different standard accounts below, then open your account today.

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Standard Account Types

Individual

An individual account is a standard brokerage account with only one owner.

 

 Client Profiles:

  • Cash, Cash and Margin, Cash and Option, Cash, Margin and Option

 

Account Minimums and Fees:

  • There is no minimum funding required to open an account. However, special promotional offers may have requirements.
  • Electronic funding minimum is $50.
  • Margin or option privileges on the account require a minimum of $2,000.

 

The account owner can assign a beneficiary, and upon death all assets in the brokerage account are passed to the beneficiary.

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Joint Tenants with Rights of Survivorship (JTWROS)

A JTWROS account has two or more account owners, with each person having an undivided interest in the entire property.

 

Client Profiles:

  • Cash, Cash and Margin, Cash and Option, Cash, Margin and Option

 

Account Minimums and Fees:

  • There is no minimum funding required to open an account. However, special promotional offers may have requirements.
  • Electronic funding minimum is $50.
  • Margin or option privileges on account require a minimum of $2,000.

 

Upon the death of one account owner, remaining account holder(s) retain(s) the rights to the entire account.

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Tenants in Common

A Tenants in Common account has two or more account owners with each person owning a specified percentage of the entire property.

 

Client Profiles:

  • Cash, Cash and Margin, Cash and Option, Cash, Margin and Option

 

Account Minimums and Fees:

  • There is no minimum funding required to open an account. However, special promotional offers may have requirements.
  • Electronic funding minimum is $50.
  • Margin or option privileges on account require a minimum of $2,000.

 

Upon the death of one of the account owners, that person's estate holds the right to their percentage of the account. Non-resident aliens are not eligible for this account type.

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Community Property

A Community Property account is owned by two married people who acquired property during the marriage (with exceptions). Community Property is based on the theory that each spouse has equal interest in the property acquired by the efforts of either of them during the marriage.

Nine states allow Community Property accounts: AZ, CA, ID, LA, NM, NV, TX, WA, and WI. Puerto Rican citizens are also allowed to open this account type. Non-resident aliens are not eligible for this account type.

 

Client Profiles:

  • Cash, Cash and Margin, Cash and Option, Cash, Margin and Option

 

Account Minimums and Fees:

  • There is no minimum funding required to open an account. However, special promotional offers may have requirements.
  • Electronic funding minimum is $50.
  • Margin or option privileges on account require a minimum of $2,000.

 

Upon divorce or death, the property is treated as belonging half to each spouse.

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Tenants by the Entireties

A Tenants by the Entireties account is owned by two married people.

The following states allow this account type: AK, AR, DE, FL, DC, HI, KY, MD, MA, MI, MS, MO, NJ, OK, PA, RI, TN, VT, VA, and WY. Non-resident aliens are not eligible for this account type.

 

Client Profiles:

  • Cash, Cash and Margin, Cash and Option, Cash, Margin and Option

 

Account Minimums and Fees:

  • There is no minimum funding required to open an account. However, special promotional offers may have requirements.
  • Electronic funding minimum is $50.
  • Margin or option privileges on account require a minimum of $2,000.

 

This account type is different from Community Property in that upon the death of one account holder, the other retains the right to the whole account. However, property cannot be sold to satisfy the debts of one owner.

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Guardianship or Conservatorship

With this account, the account holder's assets – usually those of a minor or a person who can no longer manage his or her own property or financial matters – are managed by a guardian or conservator. Investment decisions are made solely by the court-appointed guardian or conservator.

 

Client Profiles:

  • Cash, Cash and Option

 

Account Minimums and Fees:

  • There is no minimum funding required to open an account. However, special promotional offers may have requirements.
  • Electronic funding minimum is $50.
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