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. American Express, Sandy, UT
  2. Bank United, Miami Lakes, FL
  3. Capital One Bank, Glenn Allen, VA
  4. Central Bank of Oklahoma, Tulsa, OK
  5. Citibank, New York, NY
  6. Continental Bank, Salt Lake City, UT
  7. CTBC Bank Corp (USA), Los Angeles, CA
  8. Falcon National Bank, Foley, MN
  9. First Guaranty Bank, Hammond, LA
  10. Independent Bank, McKinney, TX
  11. MidCountry Bank, Bloomington, MN
  1. Pinnacle Bank, Nashville, TN
  2. Plains Capital Bank, Dallas, TX
  3. Sandy Spring Bank, Olney, MD
  4. Seaside National Bank, Orlando, FL
  5. State Bank and Trust, Defiance, OH
  6. State Street Bank and Trust Company, Boston, MA
  7. Stearns Bank, St Cloud, MN
  8. TriState Capital Bank, Pittsburgh, PA
  9. Truist Bank, Lumberton, NC
  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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Looking to be part of something more? Get in touch to learn about the benefits of affiliating with Cetera and start taking the next steps to a stronger future.