Saving & Spending Solutions

Together, how you manage your cash, credit and lending are important factors in your long-term investment strategy.

We offer clients a variety of solutions designed to protect and simplify your cash management and credit needs.

  • DADVANTAGE Checking

    The DADVANTAGE Asset Management Account offers brokerage services, cash access, borrowing power, and bill paying in one convenient account. Securities, money market funds and cash are combined to maximize your financial advantage.

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  • Cash Management Program

    D.A. Davidson’s Cash Management Program includes a Bank Insured Deposit Program, which offers more FDIC insurance protection than deposits at any single institution, and automatically “sweeps” cash balances into an interest bearing account, offering you security and flexibility. A money market fund is also available for accounts ineligible to participate in the BIDP.

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Credit Cards

D.A. Davidson clients are eligible to apply for two of our exclusive Visa® cards. Each card offers attractive rewards programs to fit your needs: choose from the D.A. Davidson Visa® card or the Visa Signature® card.

Debit Cards

A traditional debit card enhanced by exclusive access to an AllPoint Network membership is available, providing you 55,000 surcharge-free ATMs worldwide.

Borrowing should be as strategic as investing

With Davidson SMARTCREDITSM Margin Loan Program, you have access to the money you need now without liquidating assets or disrupting your long-term financial plan.

Loan Amount Interest Rate
Under $30,000 7.00%
$30,001 - $50,000 6.25%
$50,001 - $100,000 5.75%
$100,001 - $200,000 5.75%
Over $200,000 5.35%
Over $1,000,000 Negotiable
Base Lending Rate 5.00%

Interest rates are variable and subject to change at any time. Please contact your D.A. Davidson financial professional for more information including risks associated with margin borrowing. Visit the SEC or FINRA for more information.