Managing Your Cash

Private Client Banking

Connect with your Stifel Financial Advisor to learn about solutions to support your everyday cash and savings goals.

Manage your everyday finances

A key factor in achieving long-term financial success is successfully managing your money on an everyday basis. For valued clients of Stifel we offer the tools to efficiently manage your day-to-day cash flow needs.

Stifel|ONE Cash Management Accounts – debit card, checks, digital transfers, and bill pay in Stifel Wealth Tracker

A Stifel|ONE Cash Management Account (CMA)¹ gives you the ability to transact on the cash in your brokerage account while also putting your money not needed for spending to work through investments within a single account.

Stifel|ONE Cash Management is a built-in feature of Stifel brokerage accounts

Simple

No fees
No hassles
No minimums
Contactless payments
Digital wallet enabled

Powerful

Strong spending power
Daily ATM limit: $1,500²
Daily point-of-sale limit: $20,000

¹ Stifel|ONE Cash Management Accounts are offered by Stifel, Nicolaus & Company, Incorporated and are not an FDIC-insured product
² Subject to limits imposed by the owner of the ATM, which may be lower than the $1,500 daily limit set by Stifel.

Innovative ways to manage your cash

Beyond Cash Management Accounts, Stifel offers a full suite of services to help you manage your long-term investments and tools to efficiently organize your daily needs. Contact your Stifel Financial advisor to learn more, including details on FDIC-insured products.

Stifel Smart Rate Program

Earn a competitive rate while keeping your cash balances at Stifel-affiliated banks through your Stifel brokerage account. Contact your Stifel Financial Advisor.*

ICS®

Offers access to multi-millions in aggregate FDIC protection per account ownership category across IntraFi® network banks in one convenient account. ICS is a smart and secure way to place large cash deposits directly through a Stifel affiliated bank. Contact your Stifel Financial Advisor.** ^{To view the list of banks in the IntraFi network, visit www.intrafi.com/network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply.}

Stifel Insured Bank Deposit Programs

Available cash in your securities account is automatically swept into interest-bearing deposit accounts at four or more FDIC-insured banks. Contact your Stifel Financial Advisor.*

*Offered by Stifel, Nicolaus & Company, Incorporated
**Offered by Stifel Bank and Stifel Bank & Trust
Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. To meet conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits. IntraFi and ICS are registered trademarks of IntraFi LLC.

Credit Cards: Build for how you pay

Stifel offers credit cards to suit clients’ needs, from our flagship Stifel|ONE World Elite Mastercard® to our convenient Stifel Attain Mastercard®.

Learn about our cards

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Stifel Wealth Tracker

Manage your banking in one convenient place with Stifel Wealth Tracker.

Learn more

Supporting your everyday cash & savings goals

We safeguard your money as if it were our own, and we take a different approach to wealth management. At Stifel, we have the knowledge, experience, and resources to help you address even the most complex needs.

Stifel Wealth Tracker Find an Advisor

A woman laughing in a conversation with another individual. Understand how Stifel Private Client Banking supports your everyday cash and savings goals.

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