Banking and Cash Management Services
Financial Management Account
FMA® Card
Get easy access to the cash in your FMA with your FMA Card, a delayed debit card that can be used worldwide, wherever MasterCard® is accepted.
Benefits include:
- Free ATM withdrawals at over 23,000 Citibank, MoneyPass, Publix and participating 7-Eleven ATMs.
- ATM surcharge fee reversals, up to $200 per calendar year, when you use an ATM that charges a fee1.
- Delayed debit on funds used for purchases, so you continue to earn interest on your funds for up to 30 days2.
- Purchases are deducted directly from your FMA, so you don’t have to wait for bills or worry about late payments.
- All purchases, cash withdrawals and ATM transactions are detailed and categorized on your Year-End summary, for easy reference during tax preparation.
- Plus, you can enroll your card in ThankYou® Network and earn 1 point for every dollar you spend on eligible purchases3.
1 Rebate is capped at $3.50 per transaction, and transactions must occur in the United States in U.S. dollars. Annual cap of $200 does not apply to Smith Barney Reserved clients.
2 Whenever you use your FMA Card for purchases, amounts due at month-end continue to earn interest, but are immediately set aside and are unavailable for withdrawal or other transactions to ensure that funds are available on the day of payment.
3 Cash advances, including ATM withdrawals, money orders and travelers check purchases do not qualify for points.
Morgan Stanley Smith Barney LLC. Member SIPC.
For more information, please contact your Financial Advisor.