Managing Your Cash
Banking with Stifel
Connect with your Stifel Financial Advisor to learn about solutions to support your everyday cash and savings goals, and lending and liquidity needs.
Manage your everyday finances
Through your Stifel Financial Advisor, you may have access to offerings such as Stifel|ONE Cash Management Accounts, Credit Cards, Stifel Smart Rate, Stifel Reserve Deposit Network, Securities Based Lending and Mortgage Lending. These solutions are a key factor in achieving long-term financial success and managing your money on an everyday basis.
Stifel|ONE Cash Management Accounts – debit card, checks, digital transfers, bill pay and Zelle® in Stifel Wealth Tracker
With a Stifel|ONE Cash Management Account (CMA)¹, you can easily access the cash in your brokerage account for everyday transactions while investing funds not needed for spending, all from a single account.
- Stifel|ONE Cash Management features are added to Stifel brokerage accounts
- Learn More
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
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.
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 cash efficiently to organize your daily needs. Contact your Stifel Financial advisor to learn more, including details on FDIC-insured products.
* Offered by Stifel, Nicolaus & Company, Incorporated
Stifel Reserve Deposit Network: 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.
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 is a registered service mark of IntraFi LLC. IntraFi is not an affiliate of Stifel, Stifel Bank, or Stifel Bank & Trust.
Balancing Today’s Needs with Tomorrow’s Goals
Stifel Credit Card Solutions
Stifel offers a suite of card solutions tailored to your lifestyle—from everyday spending to premium credit cards that enhance your purchasing power. Credit cards are offered by Stifel Bank, contact your Financial Advisor to get started.
Stifel Pledged Asset (SPA) Loan
The Stifel SPA Loan is a Line of Credit on investments held at Stifel, giving clients a way to access liquidity while keeping their investment strategy on track. Loan proceeds may be used for most anything, except to purchase securities.**
Private Bank Lending
Private Bank Lending is a bespoke solution tailored to provide liquidity for clients of Stifel. Private Bank Loans take into consideration a Stifel client’s holistic financial picture in developing a loan solution.**
Mortgage Lending
From purchasing your first home, to bridge financing between buying and selling, and refinancing current mortgages, Stifel Bank & Trust serves Stifel clients with full-service mortgage lending, with expertise in every area of home finance.**
Supporting your estate plans with Stifel’s professional Trust Services
Establishing a plan to preserve your wealth and transfer it to future generations takes a great deal of care and forethought. Will you need a professional trustee to implement your plan? Stifel Trust Services offers fulsome, impartial solutions for managing a trust.
Stifel Wealth Tracker
Manage your banking in one convenient place with Stifel Wealth Tracker.
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** Offered by Stifel Bank & Trust
Stifel Bank & Trust offers mortgage services to clients of Stifel and current and prospective homeowners in the St. Louis Metro Area of Missouri and Illinois.
Residential mortgage lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank & Trust. The financial advisors of Stifel, Nicolaus & Company, Incorporated do not offer mortgage loans, provide mortgage loan information, or accept residential mortgage loan applications. Stifel, Nicolaus & Company, Incorporated may compensate your Financial Advisor in connection with the origination of any mortgage loan, where permissible by law.
Understanding the potential risks of a Stifel Pledged Asset (SPA) Line of Credit
Speak with your Financial Advisor about your risk tolerance level, market fluctuations, and specifically the potential risks associated with a Stifel SPA Line of Credit.
Securities-based lines of credit involve risk and are not appropriate for all borrowers. The SPA Line of Credit is a full recourse, demand loan using the assets in a brokerage account as collateral and can be called at any time. An increase in interest rates will affect the overall cost of borrowing. The return on your securities must be higher than your financing cost in order for you to generate a positive return in your securities account. The market value of your securities may decline, which may result in the value of that collateral no longer covering the outstanding loan amount. In either event, the borrower may be required to post additional collateral and/or repay part or all of any outstanding loan, and Stifel Bank & Trust may call the loan and sell or force the sale of the assets in the collateral account, or any other collateral, without contacting the borrower. The borrower can lose more assets than the borrower is required to deposit in the collateral account. The borrower is responsible for satisfying any amount not covered by the collateral.
Stifel Bank & Trust can increase its collateral maintenance requirements at any time. Stifel Bank & Trust may, in its sole and absolute discretion, demand full or partial payment of the SPA Line of Credit at any time, without notice to cover the loan balance and any interest. The borrower is not entitled to an extension of time to meet a collateral maintenance call.
If pledged securities need to be sold, they may be sold without notice, the borrower may not be offered a chance to deposit cash or additional collateral, and the borrower may not be able to pick which securities will be sold, which can interrupt the borrower’s long-term investment strategy. If pledged securities are sold, this could trigger an unfavorable taxable event for the borrower. Neither Stifel Bank & Trust nor our affiliates provide tax or legal advice. Borrower should consult with a tax professional.
The borrower is entitled to draw against their SPA Line of Credit only if loan terms and collateral requirements are met and the draw request is approved by Stifel Bank & Trust.
There may be alternative ways of borrowing funds that are less expensive and involve less risk. Your Financial Advisor may receive compensation for balances on SPA loans. Your Financial Advisor benefits when the borrower uses the available balance on his or her loan to meet liquidity needs in lieu of selling securities or other investments.