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Our Cash Management Access Account (CMAA) combines our banking capabilities with our brokerage services in one streamlined solution. This powerful resource provides a means of managing your everyday finances and self-directed investments in an integrated, cost-effective and convenient fashion.

With a CMAA, you’re able to hold investment assets in a brokerage account, while your uninvested cash earns income in BNY Mellon’s Insured Deposit Program1 or money market funds. Whether placing trades of paying bills, online and mobile access2 offers a convenient way to manage your account.

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Cash Management Access Account (CMAA)

  • Cash Management Access Account (CMAA)

    Manage your everyday finances with a comprehensive resource that combines brokerage capabilities, for self-directed securities trading, and banking features. CMAA is also available for retirement assets.



  1.  Through the BNY Mellon Insured Deposit Program, individual account owners may receive up to $500,000 in federal deposit insurance. The amount of FDIC insurance available to each client is subject to other deposits held in the same capacity at the same bank. FDIC insurance is up to $250,000 per client, per bank. Please consult with your relationship manager for specific FDIC coverage. For more information on FDIC coverage, please visit the FDIC website at The BNY Mellon Insured Deposit Program is a product of IntraFi Network, offered herein through a private labeling arrangement with BNYMSC. IntraFi Network is a major service provider to banks, broker/dealers and other financial services firms. By investing in securities, you can lose money, including the principal amount you invested. Securities held in custody by Pershing for your account are protected against possible loss from firm failure. The account protection applies when a SIPC member firm fails financially and is unable to meet obligations to securities customers, but it does not protect against market fluctuations in the market value of your investments or market volatility. SIPC provides an initial $500,000 of coverage, including $250,000 for claims for cash. Excess SIPC coverage is provided by Pershing through a commercial insurer. More information about SIPC protection, including the SIPC brochure, may be obtained from their web site ( or by calling SIPC at 202 371 8300. Banking and credit services, which are subject to credit approval, are provided by BNY Mellon, N.A., a wholly owned subsidiary of The Bank of New York Mellon Corporation member FDIC. Brokerage services are provided by, and investments are offered through, BNYMSC, a registered broker dealer, a member FINRA and SIPC, and a wholly owned subsidiary of The Bank of New York Mellon Corporation. 
  2.  The mobile application is available on iPhone® and Android™ smartphones and iPad® tablets. Mobile Deposits are available on iPhone® and Android™ smartphones and iPad® tablets. The Mobile Banking app can be downloaded from the Apple App Store and Google PlayTM. iPhone and iPad are registered trademarks of Apple, Inc. Android and Google Play are trademarks of Google Inc.

The Cash Management Access Account (CMAA) comprises two separate accounts: a brokerage account offered through BNY Mellon Securities Corporation (BNYMSC) and a non‑interest bearing zero balance deposit account offered by BNY Mellon, National Association (both are subsidiaries of The Bank of New York Mellon Corporation). Assets invested in the brokerage account, including mutual funds, are NOT FDIC insured, are NOT insured by any Federal Government Agency, are NOT guaranteed by BNY Mellon, National Association, are NOT deposits and may lose value. Funds invested in the BNY Mellon Insured Deposit Program are FDIC insured.