Interest Rates

Below are MoneyBlock's current debit and credit interest rates

Fed Funds calculated as top of the Fed Funds target range (as of December 10, 2025: 3.75%). Subject to change.

‍Institutions and Asset Managers may qualify for special rates. Call 1-800-591-8243 to learn more.

All MoneyBlock accounts are custodied and cleared at Apex Clearing Corporation.

Fee Schedule

*ACH deposits may be unavailable for withdrawal for up to 60 days following settlement.

Funding Instructions

ACH DEPOSITS AND WITHDRAWALS
Log in to MoneyBlock.com and use the Cash Transfers block to link bank account(s) to your MoneyBlock brokerage account and to electronically initiate no-fee deposits and withdrawals.

The Cash Transfers block also provides guidance on how to initiate wire transfers as well (fees may apply). 

WIRE TRANSFERS
Incoming wires are free and must be initiated with your financial institution. Wire transfers typically require 1 business day to process. Please instruct your bank to include the sender name on the wire. This information must be included for the transfer to be credited to your account. A rejected wire may incur a bank fee. 

Third-party Wires: We typically do not accept third-party wires. An exception MAY be made if there is confirmation of ownership and the relationship between the account holders. Such wire request will be subject to review, require verification prior to acceptance and may be returned. Third-party foreign wires are not accepted under any circumstances. 

- A wire from a joint bank/brokerage account may be deposited into a account by either or both joint account owners.

- A wire from an individual bank/brokerage account may be deposited into a joint account if that person is one of the account owners. 

- A wire from an entity bank/brokerage account may only be deposited into a like-titled MoneyBlock entity account.
‍
Please send USD incoming wires as follows:
Bank name: BMO Harris Bank
Bank address: 111 W. Monroe St., Chicago, IL 60603 
Routing #/ABA: 071000288 (for non-domestic USD wires, use SWIFT Code: HATRUS44)
Account Number: 3713286
FFC: Apex Clearing Corporation FBO: MoneyBlock Account Number, Account Name

IMPORTANT NOTE: Without FFC Information, your wire may be rejected. If your bank does not have a specific FBO instruction field, enter the Account Holder's Name and Account Number in the "Message to recipient" or "Message to recipient bank" field. 

Please include the address for Apex Clearing on incoming wires: 
Apex Clearing Corporation
350 N St Paul, Ste. 1400
Dallas, TX75201 

PAPER CHECKS
Paper check deposits received before 1:00pm CT are processed same day. Please refer to the check funding instructions below to avoid having your check returned to you as unacceptable. 

Make check(s) payable to:
Apex Clearing Corporation
FBO (last name, first name, full MoneyBlock account number) 

Mail checks to:
MoneyBlock
Attn: Cashiering
311 S Wacker Dr, Suite 1775
Chicago, IL 60606 

Acceptable Check Deposits
- Checks must be payable in U.S. dollars and through a U.S. bank.
- Personal checks must be drawn from a bank account in an account owner's name and must include "Jr" or"Sr" if applicable.
- Checks from joint checking accounts may be deposited into either checking account owner's MoneyBlock account.
- Checks from an individual checking account may be deposited into a MoneyBlock joint account if that person is one of the account owners.
- Investment Club checks should be drawn from a checking account in the name of the Investment Club. If a member of the Investment Club remits a personal check, the check must be payable to:"Apex Clearing / FBO the Investment Club name." ("FBO"stands for "For the Benefit Of") 

Unacceptable Check Deposits
- Cashier's check
- Money Orders
- Foreign instruments
- Thrift withdrawal orders
- Domestic drafts
- Check that has been double-endorsed (checks with more than one signature on the back)
- Third-party checks not properly made out and endorsed per the rules stated in the "Acceptable Deposits"section above
- Check from minor
- Check dated over six months old
- Travelers check
- Credit card check
-Starter Check

If you have any questions, please contact ourMoney Block Customer Service at 1-800-494-0451.

*ACH deposits are unavailable for withdrawal via ACAT for 60 days following settlement.