Is my money safe?
When you use Stash, your information is encrypted and stored on secure servers, and your funds and securities are held with your security in mind.
Your current investments are covered up to a maximum of $500,000 total, including $250,000 in cash balances through the Securities Investors Protection Corporation (SIPC). But SIPC coverage does not insure against the potential loss of market value. For uninvested funds, your Stash account is enrolled in something called the Apex FDIC-insured Sweep Program. And here are the details:
Stash accounts are enrolled in an interest-bearing Federal Deposit Insurance Corporation (FDIC) insured Sweep Program (“Sweep Program”) offered through our clearing firm, Apex Clearing Corp. Uninvested Cash in your Stash account will automatically be transferred into the Sweep Program and will earn interest based on the amount and duration of deposits and applicable interest rates. Deposits to the Sweep Program are covered by FDIC insurance up to the $250,000 limit per customer at each FDIC-insured bank that participates in the Sweep Program.
Once your cash balances are deposited with the participating banks under the Sweep Program, they will no longer be covered by SIPC.
Please ensure that you read the Terms and Conditions of the Sweep Program carefully. As with all investments, you should consider carefully if the Sweep Program meets your investment objectives.
Q. Why is my account locked?
There are a few reasons your account may have been locked. We may need to verify some information or there may have been a problem with a transfer. Please reach out to our team and we will be able to help you get your account unlocked. You can reach us at [email protected]
Q. Why do I need to relink my bank?
There are a few reasons you might need to re-link your bank to Stash. The primary reason Stashers need to re-link their bank is that they’ve changed their login credentials with their bank. When you update your login credentials, we lose connection with your bank, this means you need to re-establish that connection. All you…
Q. How am I protected if Stash ever goes out of business?
Say Stash goes bankrupt or out of business. What happens next? The cash you’ve invested in your Stash account including ETFs or stocks would remain in your control. That’s because your investments are held in a federally regulated broker-dealer called Apex Clearing Corporation. This company acts as a custodian for all the investments Stash users…
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