What are the ancillary account fees?

By Stash Team
Last updated June 10, 2026

Ancillary account fees are charges outside your Stash subscription fee, also called the Wrap Fee. They are not monthly plan charges. They usually apply because of a specific request, account action, or account event, such as asking for paper documents, transferring a brokerage account to another firm, using an out-of-network ATM, or having an ACH transfer returned.

Stash is built to put financial guidance in your pocket. That includes being straight about costs. Fees should not feel hidden, confusing, or like something you need a finance degree to decode.

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 10, 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 Stash subscription fee as the regular cost of your plan. Ancillary fees are different. They are tied to a specific action, exception, or third-party process.

Common examples include:

• Requesting paper statements, trade confirms, or prospectuses

• Moving a brokerage account to another firm through ACAT

• Using an out-of-network ATM

• Having an ACH transfer returned

• Requesting a paper check

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

• State-required processing for abandoned or unclaimed property

Some ancillary fees are avoidable. Some exist because another company, custodian, ATM operator, or state process is involved. Our view is simple: you should be able to understand which is which before you get charged.

Ancillary account fees at a glance

Bank transfer, debit card, and ATM-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.

Worked example: using an out-of-network ATM

Say you withdraw cash from an out-of-network ATM. Stash charges a $2.50 out-of-network ATM withdrawal fee. If the ATM operator also charges a $3.00 fee, your total ATM-related cost would be $5.50.

• Stash out-of-network ATM withdrawal fee: $2.50

• ATM operator fee shown on the ATM screen: $3.00

• Total: $5.50

That operator fee is not set by Stash. Check the ATM screen before you confirm the withdrawal.

Worked example: instant transfer to an external bank

Instant transfers to an external bank cost 1% of the transfer amount.

Example: if you make a $75 instant transfer, the fee would be $0.75.

• $75 x 1% = $0.75

If speed is not urgent, review your available transfer options before choosing instant transfer.

Account-based fees

Worked example: paper document fees

Statements, trade confirms, and prospectuses are delivered electronically by default. Paper fees can apply if you request paper delivery or if electronic delivery fails, such as when your email address has a typo and 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.

Worked example: outgoing ACAT transfer fee

ACAT stands for Automated Customer Account Transfer. It is the system used to transfer brokerage assets from one firm to another.

An outgoing ACAT transfer from Stash costs $100 per account. That means if you transfer one eligible brokerage account out through ACAT, the fee is $100. If you transfer two separate accounts out, the fee may apply to each account.

Incoming ACAT transfers have no charge.

How to reduce avoidable ancillary fees

Not every fee can be avoided, but many common ones can be reduced with a few checks.

• 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.

• Compare transfer speeds. Instant transfers to an external bank cost 1%. If timing is flexible, review other available transfer options.

• 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.

• Respond to account notices. Returned mail and escheatment can happen when account information is outdated or property is considered abandoned under state law.

• Finish account closure steps. If an account in the closure process still has a positive balance after the 6-month anniversary of beginning the closure process, a $1 monthly maintenance fee may apply.

What to do if you see an ancillary fee

If an ancillary fee appears in your account, start with the event that likely caused it.

1. Look at the fee description. Match it to the fee tables above.

2. Check recent activity. Did you use an out-of-network ATM, request paper documents, start an ACAT transfer, or have an ACH transfer returned?

3. Update outdated information. Confirm your email address, mailing address, and linked bank details are correct.

4. Contact support if something looks wrong. Stash and/or its affiliates may choose to refund or waive certain ancillary fees from time to time, but a refund or waiver is not guaranteed and does not change your responsibility for similar fees in the future.

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 insider language 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.