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

FlexInsured Program Interest Rates

Tier Range Rate/Annual Percentage Yield
Tier 1 $0 - $24,999 0.01%
Tier 2 $25,000 - $49,999 0.01%
Tier 3 $50,000 - $99,999 0.01%
Tier 4 $100,000 - $249,999 0.01%
Tier 5 $250,000 - $499,999 0.01%
Tier 6 $500,000 - $749,999 0.01%
Tier 7 $750,000 - $999,999 0.01%
Tier 8 $1,000,000 - $1,499,999 0.01%
Tier 9 $1,500,000 - $4,999,999 0.01%
Tier 10 $5,000,000 - $9,999,999 0.01%
Tier 11 $10,000,000 - above 0.01%

List of Participating Financial Institutions

  1. Bank of America, Charlotte, NC
  2. Bank United, Miami Lakes, FL
  3. Citibank, New York, NY
  4. Citizens Bank, Providence, RI
  5. Continental Bank, Salt Lake City, UT
  6. CTBC Bank Corp (USA), Los Angeles, CA
  7. Customers Bank, Phoenixville, PA
  8. Falcon National Bank, Foley, MN
  9. Fieldpoint Private Bank, Greenwich, CT
  1. First Guaranty Bank, Hammond, LA
  2. Independent Bank, McKinney, TX
  3. Luana Savings Bank, Luana, IA
  4. Pinnacle Bank, Nashville, TN
  5. Sandy Spring Bank, Olney, MD
  6. State Street Bank and Trust Company, Boston, MA
  7. TriState Capital Bank, Pittsburgh, PA
  8. Truist Bank, Lumberton, NC
  9. United Community Bank, Blairsville, GA
  10. Wells Fargo Bank, NA, Sioux Falls, SD
  11. Western Alliance Bank, Phoenix, AZ

INTERMEDIARY BANK
First National Bank of Omaha

Financial Institution Exemption Form

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Account Assistance

If you are a client of a Cetera-affiliated financial professional and need assistance with an existing account, please reach out to your financial professional directly. If you’re unable to reach them, use our direct support lines listed below.

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If you’re a financial professional interested in learning more about affiliating with Cetera Financial Group, please complete the form.