What are the ancillary account fees?

By Stash Team
Last updated June 9, 2026

Ancillary account fees are charges that sit outside your Stash subscription fee, also called the Wrap Fee. They usually happen because of a specific request, account activity, or account event, like asking for paper documents, transferring a brokerage account out, using an out-of-network ATM, or having an ACH transfer returned.

Stash is built to put financial guidance in your pocket, and clear fees are part of that. You should be able to see what may cost extra before it shows up in your account.

If you incur any of the ancillary fees below, you are responsible for paying them under the terms and conditions of your account opening agreements.

This is the current list of ancillary fees as of June 9, 2026. We reserve the right to change these fees in the future. Our affiliated broker-dealer, Stash Capital, may share with Apex, the Custodian, in a portion of the fees below that are paid by a client. When Stash Capital and Apex share a fee amount, we believe they have determined a reasonable division based on the time and resources each party needs to respond to the client request or action that created the fee.

For more information about our fees, please refer to the Advisory Agreement. For fees related to Stash banking accounts, please see the Deposit Account Agreement.

What counts as an ancillary account fee?

Think of your subscription fee as the regular cost for your Stash plan. Ancillary fees are different. They are generally tied to a specific action or exception.

Common examples include:

• Requesting paper statements, confirms, or prospectuses

• Moving a brokerage account to another firm through ACAT

• Using an out-of-network ATM

• Having an ACH transfer returned

• Leaving a closing account with a positive balance for an extended period

Some of these charges are avoidable. Others may apply because of legal, operational, or third-party processing requirements.

Bank transfer and debit card-related fees

Important: ATM operators may charge their own fees in addition to the Stash out-of-network ATM fees listed above. The ATM screen should show any operator fee before you continue.

Account-based fees

A quick example: paper document fees

Statements, trade confirms, and prospectuses are delivered electronically by default. But paper fees can apply if you request paper delivery or if your email address has a typo and electronic documents bounce back as undeliverable.

Example: if two paper trade confirms and one paper statement are generated, the paper document charges would be:

• 2 paper trade confirms x $2.50 = $5

• 1 paper statement x $5 = $5

• Total = $10

If you see these charges, check that your email address is correct in the app or contact our support team.

How to reduce avoidable ancillary fees

A few simple checks can help you avoid some common charges:

• Keep your email address current. This helps prevent paper confirms, statements, and prospectuses from being generated because of bounced electronic delivery.

• Use electronic documents when possible. Electronic statements and trade confirms have no charge.

• Check ATM fees before confirming. Out-of-network ATM withdrawals and balance inquiries may cost extra, and the ATM operator may add a separate fee.

• Make sure ACH transfers can clear. Returned ACH transfers may result in a $0.50 fee.

• Link an external bank account for withdrawals when available. You can avoid a paper check fee by linking your bank account to your Stash account and requesting a withdrawal through ACH bank transfer.

• Understand ACAT before transferring out. An outgoing ACAT transfer is $100 per account. Incoming ACAT transfers have no charge.

Revenue share

In addition to the ancillary fees above, Stash and its affiliates may share in certain revenue related to client accounts held at Apex. This can include:

1. Interest earned on uninvested cash in an account held through sweep programs offered through Apex, the Custodian.

2. Revenue earned in connection with Apex’s fully paid securities lending program.

3. Revenue connected with payment for order flow. Please see Stash pricing for more information about payment for order flow.

Fee transparency matters. We do not think people should need a finance degree to understand what they are being charged. Revenue sharing can create conflicts of interest, so we disclose it plainly here and in our agreements.

Additional fee notes and disclosures

Stash and/or its affiliates may, from time to time, decide to refund or waive certain ancillary fees. Any refund or waiver does not change any client’s responsibilities and obligations under the Stash Terms and Conditions to pay similar fees in the future.

Statements, confirms, and prospectuses are delivered electronically by default. You can request paper confirms, statements, and prospectuses if you choose. Paper confirm, statement, and prospectus fees may occur if there is a typo in your email address that causes these documents to bounce back as undeliverable. Please update your email address in the app or contact our support team if you are incurring paper confirm, statement, or prospectus fees.

The use of Stash Capital as an introducing broker-dealer creates certain conflicts of interest for Stash Investments. Stash Investments receives additional revenue in connection with Stash Investments’ client accounts held at Apex. This additional revenue is created by fees that apply to your account and account activities. Additional information regarding these fees can be found in the Stash Investments Advisory Agreement at https://cdn.stash.com/disclosures/StashInvest_Advisory_Agreement.pdf. Stash Capital will share in the revenue earned on securities lending, FDIC sweep on credit balances, payment for order flow, and other ancillary fees generated by Apex. Stash Investments has an incentive to recommend securities that could be lent for this reason.