Banking and Cash Management Services
Financial Management Account
Debit Card
Get easy access to the cash in your FMA with your debit card that can be used worldwide, wherever MasterCard® is accepted.
Benefits include:
- ATMs withdrawals worldwide — anywhere MasterCard® or STAR® Network is accepted.
- Zero Liability and Fraud Protection covers you if fraudulent purchases are made on our card. Furthermore, if your card is used fraudulently, you can rest assured that your Morgan Stanley Smith Barney assets are secure.
- Extended Warranty Insurance doubles the original manufacturers’ warranty time period and duplicates the coverage for up to 12 months on most purchases.1
- MasterRental® Insurance pays for physical damage and theft to most rental vehicles with an MSRP or $50,000 or less when the Debit Card is used to initiate and pay for the entire rental transation.1
- Master RoadAssist® Service gives you the added assurance that you will never be stuck on the road without help. The RoadAssist Service provides roadside assistance with discounted rates on jump starts, gas delivery and tire changes when you break down anywhere within the 50 states and pay for the fees on your Debit Card.
- Travel Assistance Service offers you quick access to a variety of information and services that you will need before traveling, whether you are looking for information on required documentation, immunizations or currency exchange rates. You can also use this service to get a list of physicians or lawyers who provide English-speaking consultations at your travel destination.
- Delayed debit on funds used for purchases, so you continue to earn interest on your funds for up to 30 days2.
- Purchases are deducted directly from your FMA, so you don’t have to wait for bills or worry about late payments.
- All purchases, cash withdrawals and ATM transactions are detailed and categorized on your Year-End summary, for easy reference during tax preparation.
1 Certain restrictions, exclusions, and limitations apply. Please speak with a Morgan Stanley Smith Barney Financial Advisor for additional details.
2 Whenever you use your FMA Card for purchases, amounts due at month-end continue to earn interest, but are immediately set aside and are unavailable for withdrawal or other transactions to ensure that funds are available on the day of payment.
The Debit Card is issued by UMB Bank, N.A. pursuant to a license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.
Morgan Stanley Smith Barney LLC. Member SIPC.
For more information, please contact your Financial Advisor.