TD Ameritrade

Market volatility has led to longer than expected phone wait times. Visit our Top FAQs page for ways you can self-service. Learn about our COVID-19 response, including branch closings, in a message from our CEO.

Cash Management Services

Use cash management products to manage, move, and use your money easily

Flexible cash management options provide you with the freedom to access, spend, and manage your money the way you want - with a debit card and free ATM withdrawals, free check writing, and free online bill pay**. Manage your cash better with Online Cash Services from TD Ameritrade.

Avoid unnecessary charges and fees

  • No monthly maintenance fees
  • Unlimited check writing and free standard 100 quantity check re-orders
  • Free online bill pay
  • Avoid ATM fees - you get reimbursed for any ATM charges nationwide 

Get on with your day fast and free with online cash services

Paying bills, making purchases, and moving funds around is just a part of life. But that doesn't mean it should be hard or take up your whole day. With Online Cash Services, you can quickly and easily: 

  • Set up free recurring bill payments - and save time with online bill pay
  • Enjoy added convenience with Apple Pay on your Visa® debit card issued by TD Bank USA, N.A.
  • Easily move money between TD Ameritrade accounts
  • Securely deposit checks using the TD Ameritrade Mobile app on your smartphone or tablet**** 

Easily manage your cash from one account

Why settle for multiple bank accounts when you can have the flexibility to trade, invest, spend and pay bills from one TD Ameritrade account. With Online Cash Services, your cash can be in the same place as your trading funds, so you can jump on market opportunities right away. Plus, you can move money between accounts and pay bills, quickly and easily.

More features

  • Additional FDIC Protection - Money in an Insured Deposit Account (IDA) can be deposited into multiple banks allowing you to obtain at least twice the standard FDIC coverage.
  • Earn interest - Put your cash to work. Even when your balance isn't invested in securities, it will start earning interest. See interest rates. ***
  • Cash solutions - Whether you have transactional or investment cash needs, we have have a solution
  • Client Rewards Card - the only credit card that puts money into your eligible TD Ameritrade account. 

Check the background of TD Ameritrade on FINRA's BrokerCheck

TD Ameritrade

Where Smart Investors Get Smarter SM

Call Us 800-454-9272

AdChoices

**Bill pay, check-writing privileges, and debit cards are provided free of charge. Fees for checks in quantities over 100, stop payment, and returned checks apply. A funded TD Ameritrade account, a personal computer, Internet access, and an appropriate Web browser are required to use the online bill pay services. TD Ameritrade will not charge you a fee for withdrawing funds from any ATM nationwide. Should the ATM operator charge you a fee, TD Ameritrade will refund the amount of the fee assessed. TD Ameritrade prohibits the fraudulent or excessive use of ATMs and reserves the right to modify or discontinue the ATM fee rebate at any time. Additional terms and conditions apply. See our rates and fees for details.

Debit and credit cards are issued by TD Bank, N.A.  TD Ameritrade and TD Bank are affiliated through their parent companies.

***Interest will accrue on balances from the day they are deposited into the IDAs through the Business Day preceding the date of withdrawal from the IDA. Interest will be accrued daily and credited on the last Business Day of each month. TD Ameritrade will use the daily balance method to calculate interest on an account.

**** Mobile check deposit not available for all accounts. Other restrictions may apply. See Mobile Check Deposit Service User Agreement for complete terms and conditions.

Cash in a TD Ameritrade FDIC Insured Deposit Account is held at one or more banks (“Program Banks”). Two of the Program Banks are TD Bank, N.A. and TD Bank USA, N.A., both affiliates of TD Ameritrade. Each bank’s insurance will cover your cash balances up to the current $250,000 per-depositor FDIC maximum for bank failure. By utilizing multiple banks, the IDA has been structured to provide you with a maximum FDIC insurance of up to $500,000 per depositor in each recognized legal capacity (e.g., up to $500,000 for individual accounts and $1,000,000 for joint accounts). You can view the list of Program Banks on our website.To learn more about FDIC coverage go to www.FDIC.gov.

Non-Deposit Investment Products: NOT FDIC INSURED-NO BANK GUARANTEE-MAY LOSE VALUE.

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

Brokerage services provided by TD Ameritrade, Inc., member FINRA/ SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2020 TD Ameritrade.