TD Ameritrade

Get in touch Call or visit a branch

Call us: 800-454-9272

175+ Branches Nationwide

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 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

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
  • Easily move money between TD Ameritrade accounts
  • Securely deposit checks using the TD Ameritrade Mobile app on your smartphone or tablet**** 

TD Ameritrade’s Online Cash Services accounts makes managing your money simple and easy.

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

Get in touch Call or visit a branch

Call us: 800-454-9272

175+ Branches Nationwide

Check the background of TD Ameritrade on FINRA's BrokerCheck

  • DOW
  • NASDAQ
  • S&P 500
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**Bill pay and check-writing privileges 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.

***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 the IDA is held at one or more Program Bank. Three of the Program Banks are Charles Schwab Bank, SSB; Charles Schwab Premier Bank, SSB; and Charles Schwab Trust Bank, each an affiliate 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 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). 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.

TD Ameritrade, Inc., member FINRA/SIPC, a subsidiary of The Charles Schwab Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2022 Charles Schwab & Co., Inc. All rights reserved.