FlexInsured Account®

The FlexInsured Account is a nice complement to your investment account with Cetera Investment Services, LLC. It allows you to protect your cash balances while still linking your FDIC-insured holdings with your investment account for more control and simplified management of your money. Select FlexInsured Account as your sweep option, and available cash balances will be deposited into an interest-bearing, FDIC-insured deposit account at one or more financial institutions.

FLEXINSURED ACCOUNT DISCLOSURE STATEMENT

INTEREST RATE BASED ON CUSTODIED ASSETS

Tier Range Rate
Tier 1 $1 - $49,999 0.01%
Tier 2 $50,000 - $99,999 0.02%
Tier 3 $100,000 - $499,999 0.03%
Tier 4 $500,000 - $999,999 0.06%
Tier 5 $1,000,000 and above 0.10%

LIST OF PARTICIPATING FINANCIAL INSTITUTIONS

  1. Bank United, Miami Lakes, FL
  2. Barclays Bank, Wilmington, DE
  3. Branch Banking and Trust, Winston-Salem, NC
  4. Central Bank of Oklahoma, Tulsa, OK
  5. Columbus Bank, Columbus, GA
  6. Comenity Bank, Salt Lake City, UT
  7. Continental Bank, Salt Lake City, UT
  8. CTBC Bank Corp (USA), Los Angeles, CA
  9. Falcon National Bank, Foley, MN
  10. First Guaranty Bank, Hammond, LA
  11. First United Bank, Oakland, MD
  12. Florida Community Bank, Weston, FL
  13. Flushing Bank, Uniondale, NY
  14. Independent Bank, McKinney, TX
  1. MidCountry Bank, Bloomington, MN
  2. Mizuho Bank, New York, NY
  3. New York Community Bank, Westbury, NY
  4. Plains Capital Bank, Dallas, TX
  5. RBS Citizens Bank, NA, Providence, RI
  6. RBS Citizens Bank of Pennsylvania, PA
  7. Revere Bank, Laurel, MD
  8. Seaside National Bank, Orlando, FL
  9. State Bank and Trust, DeFinance, OH
  10. Stearns Bank, St. Cloud, MN
  11. Texas Capital Bank, National Association, Dallas, TX
  12. Umpqua Bank, Roseburg, OR
  13. Wells Fargo Bank, NA, Sioux Falls, SD
  14. Western Alliance Bank, Phoenix, AZ
FLEXINSURED ACCOUNT ACKNOWLEDGEMENT & EXEMPTION NOTICE