Account Protection

TD Ameritrade, Inc. is a member of the Securities Investor Protection Corporation.  

(SIPC). Securities in your account protected up to $500,000, which include $250,000 limit for cash. For details, please see www.sipc.org. 

Additionally, TD Ameritrade provides each client $149.5 million worth of protection for securities and $2 million of protection for cash through supplemental coverage provided by London insurers. In the event of a brokerage insolvency, a client may receive amounts due from the trustee in bankruptcy and then SIPC. Supplemental coverage is paid out after the trustee and SIPC payouts and under such coverage each client is limited to a combined return of $152 million from a trustee, SIPC, and London insurers. The TD Ameritrade supplemental coverage has an aggregate limit of $500 million over all customers. This policy provides coverage following brokerage insolvency and does not protect against loss in market value of the securities.

Certificates of Deposit (CDs) purchased through TD Ameritrade are issued by banks insured by the Federal Deposit Insurance Corporation (FDIC). In addition, cash in your account can be held in a TD Ameritrade FDIC Insured Deposit Account (IDA). Balances in an IDA are held at one or more banks (“Program Banks”), where they are insured by the FDIC against bank failure for up to $250,000 per depositor, per bank. Two of the Program Banks are TD Bank, N.A. and TD Bank USA, N.A., both are affiliates of TD Ameritrade.

Each bank will have separate FDIC coverage of up to $250,000 per depositor for up to $500,000 total per IDA depositor. To learn more about FDIC insurance, please visit www.fdic.gov/deposit.