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Cash Solutions

Cash solutions that work for you

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Illustration of laptop and cash

Illustration of laptop and cash

Maintain your investment goals and have the quick and easy access you need to manage your everyday expenses with cash solutions. Whether you prefer to have transactional cash for everyday bills and market adjustments, or potentially earn a higher yield on your cash while preserving your principal, we have the solution to fit your needs.

Find the right solution for you

	Investment Cash	Transactional Cash
Strategy	Investment Cash If you are seeking a potentially higher yield on your cash, while still preserving principal and keeping funds within easy access	Transactional Cash Cash immediately available to purchase securities, pay bills, or make withdrawals
Available options	Investment Cash Purchased Money Market Funds: - Charles Schwab Additional information	Transactional Cash Uninvested cash in brokerage and retirement accounts: - Insured Deposit Account which is FDIC-insured up to $500k - TD Ameritrade Cash which is eligible for SIPC coverage up to $250k Additional information
Rates	Investment Cash 0.01% - 0.05%¹ Available funds	Transactional Cash 0.01% Rates for all products
Benefits	Investment Cash - No transaction fee - No short-term redemption fee - Initial investment starting at $1 - SIPC insured - Funds settle next business day - No minimum balance or monthly fees	Transactional Cash - Unlimited check writing - Free online bill pay - Mobile check deposit See all cash services
Accessibility	Investment Cash Next-day access to funds, if sold before 4 p.m. ET	Transactional Cash Immediate access to funds to purchase securities, pay bills, or withdraw
¹Rates as of 2/28/22

Get in touch Call or visit a branch

Call us: 800-454-9272

175+ Branches Nationwide

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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.