Policies, Disclosures, Rates and Fees

Policies & Disclosures

Privacy Policy
What does MoneyBlock do with your personal information?
Financial companies like MoneyBlock can choose how your personal information is shared. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires MoneyBlock to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do with your personal information.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:

- Name, address, contact details

- Your age, occupation and marital status

- Personal Identifier such as, depending on your country of residence, your Social Security Number, Tax File Number

- A head and shoulders photograph from, as applicable, your passport, national identity card or driver's license, as required by laws and regulations addressing due diligence and related matters

- Extensive financial information such as investment experience, assets, account balances and transaction history

When you are no longer our customer, we continue to share information about you as described in this notice. We however do not sell your information at any time.
MoneyBlock shares customer personal information to run its everyday business. In the section below, we list the reasons MoneyBlock chooses to share and whether you can limit this sharing.
Reasons we can share your personal information
Does MoneyBlock share?
Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations as permitted under law, or report to credit bureaus
For our marketing purposes - to offer our products and services to you
For joint marketing with other financial companies
For our affiliates' everyday business purposes - information about your transactions and experiences
For our affiliates' everyday business purposes - information about your creditworthiness
We don't share
For our affiliates to market to you
To limit our sharing
You may call us at 1-800-591-8243 or you can visit us online and follow the instructions below:

- Log into your MoneyBlock account at https://dashboard.moneyblock.com.
- Go to Account Management block and click on the Contact Preferences tab.
- Click the "Update" button.
- In the pop-up window, under "Would your like to receive promotional emails?", click "No".
- Click "Submit" button.

You may also use the Form below and submit the request in writing to:

Attn: Customer Service
Dept.311 South Wacker, Suite 1775
Chicago, IL 60606

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Call 1-800-592-8243 or email us at service@moneyblock.com.
Mail-in Form
Mark any/all you want to limit:

____ Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

____ Do not allow your affiliates to use my personal information to market to me.

____ Do not share my personal information with non-affiliates to market their products and services to me.                

Name _________________________________

Address _______________________________

City, State, Zip ______________________________

Account # ___________________________                                                                                                                                        

Mail to:
Attn: Customer Service Dept.
311 South Wacker, Suite 1775
Chicago, IL 60606 USA                                                                                                           
Who is providing this notice?
How does MoneyBlock protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does TradingBlock collect my personal information?
We collect your personal information, for example, when you:

- Disclose information on applications and other forms that you submit to us
- We also collect your personal information from others, such as credit bureaus, affiliates, or other companies                            
Why can’t I limit all sharing?
Federal law gives you the right to limit only:

- sharing for affiliates' everyday business purposes - information about your creditworthiness
- affiliates from using your information to market to you
- sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. (See below for more on your rights under state law.)
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Our affiliated companies (both financial and non-financial) related by common ownership or control under Cambria Holdings, Inc. Currently there are no other affiliated companies. AOS, Inc. does business as TradingBlock and MoneyBlock.                                
Companies not related by common ownership or control. They can be financial and non-financial companies. MoneyBlock does NOT share with non-affiliates.
Joint marketing                                      
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. MoneyBlock does not jointly market.
Margin Requirements
At MoneyBlock, we strive to maintain minimum margin requirements to help our clients maximize their portfolio buying power. Please click the link below for additional information on our margin requirements. Note that this information is provided for educational purposes only, and is subject to change at any time.

MoneyBlock Margin Policies

If you have any questions or would like to verify our current margin requirements, please contact our Trade Desk at 1-800-591-8243.
Order Routing Reports (SEC 606)
In accordance with U.S. Securities and Exchange Commission (SEC) Rule 606, AOS, Inc., doing business as TradingBlock (“AOS”), is publishing information about its routing practices for non-directed orders in US exchange-listed equity securities and options.

AOS routes non-directed orders in Rule 606 reportable securities to Apex Clearing Corporation (“Apex”), and other brokerage firms for order routing and execution. Apex may not be the ultimate execution venue for such orders, and these orders may be further routed by Apex to other execution venues. Apex may receive remuneration from executing venues through maker-taker pricing or other applicable execution venue fees or rebates. AOS receives some portion of the remuneration for orders routed including any execution venue fees or rebates that may be paid by an executing venue.

AOS does not select the execution venues to which Apex routes Rule 606 reportable securities for execution. As a result, Apex is better positioned to prepare a quarterly report that reflects any execution venue specific maker-taker arrangements or other execution venue fees or rebates.  Other executing firms Rule 606 reports are available here as well.

You can access these reports from this page by clicking below.

Additional Forms

Interest Rates

Below are MoneyBlock's current debit and credit interest rates

Balance Range

Fed Funds +/-


Debit Interest

$0 - $49,999
$50,000 - $99,999
$100,000 - $249,999
$250,000 - $499,999
$500,000 - $999,999
$1,000,000 and over

Fed Funds + 5.25%
Fed Funds + 4.50%
Fed Funds + 4.00%
Fed Funds + 3.50%
Fed Funds + 3.00%
Fed Funds + 2.50%


Credit Interest

$0 - $49,999
$50,000 - $99,999
$100,000 - $249,999
$250,000 - $499,999
$500,000 - $999,999
$1,000,000 and over



Fed Funds calculated as top of the Fed Funds target range (as of September 6, 2023: 5.50%). 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

Cash Transfer Items

All Accounts

ACH Transfer* (any)


Wire Transfer (incoming)


Wire Transfer - Outgoing (domestic)


Wire Transfer - Outgoing (international)


Check - Outgoing (domestic)


Check - Outgoing (international)


Stop Payment (issued check)


Returned Check/ACH/Wire


Account Transfers (ACATs)

Incoming (ACAT - partial or full)


Outgoing (ACAT - partial or full)


IRA Account Fees

IRA Custodian Fee


IRA Termination Fee


Statements, Confirm and Tax Documents

Electronic Statements, Confirms and Tax Documents


Paper Statement (per month)


Paper Trade Confirmation (per confirm)


Paper Tax Document (per statement)


Statements - Archived Copies (2 years or older)

$25.00 (1-3 months)
$100.00 (full year)

Overnight Delivery





Back Office Fees

Physical Certificate Custody

$300.00 per security

Physical Certificate Issue

$350.00 per issue

Voluntary Corporate Action - Domestic


Voluntary Corporate Action - International


Reg T Margin Extensions


Escheatment/Dormant Account Fee


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

Funding Instructions

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). 

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 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:
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.