FlexInsured Account®

The FlexInsured Account is an excellent 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*

*Published: October 1, 2018

We are updating the terms and conditions of the FlexInsured Account. If you have a FlexInsured Account that was opened prior to October 1, 2018, this update will take effect on November 16, 2018. A notice summarizing this update was sent to current participants in our Cash Sweep Program. To see all updates, please read the FlexInsured Account Disclosure Statement.

FLEXINSURED PROGRAM INTEREST RATES


Tier Range Rate
Tier 1 $0 - $24,999 0.10%
Tier 2 $25,000 - $49,999 0.10%
Tier 3 $50,000 - $99,999 0.20%
Tier 4 $100,000 - $249,999 0.20%
Tier 5 $250,000 - $499,999 0.25%
Tier 6 $500,000 - $749,999 0.30%
Tier 7 $750,000 - $999,999 0.40%
Tier 8 $1,000,000 - $1,499,999 0.40%
Tier 9 $1,500,000 - $4,999,999 0.50%
Tier 10 $5,000,000 - $9,999,999 0.55%
Tier 11 $10,000,000 - above 0.60%

LIST OF PARTICIPATING FINANCIAL INSTITUTIONS

  1. Bank United, Miami Lakes, FL
  2. Branch Banking and Trust, Winston-Salem, NC
  3. Central Bank of Oklahoma, Tulsa, OK
  4. Citi Bank, New York, NY
  5. Continental Bank, Salt Lake City, UT
  6. CTBC Bank Corp (USA), Los Angeles, CA
  7. Falcon National Bank, Foley, MN
  8. First Guaranty Bank, Hammond, LA
  1. Independent Bank, McKinney, TX
  2. MidCountry Bank, Bloomington, MN
  3. New York Community Bank, Cranford, NJ
  4. Revere Bank, Laurel, MD
  5. Seaside National Bank, Orlando, FL
  6. State Bank and Trust, DeFinance, OH
  7. Wells Fargo Bank, NA, Sioux Falls, SD
  8. Western Alliance Bank, Phoenix, AZ

INTERMEDIARY BANK
First National Bank of Omaha

FLEXINSURED ACCOUNT ACKNOWLEDGEMENT & EXEMPTION NOTICE