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Mor Account Investment Options

 

Short Term Investment Options

Every day all cash balances, including deposits, dividends, interest and proceeds from investment transactions, are automatically swept into your choice of investment options earning competitive yields:

  • Three money market mutual funds managed by The Dreyfus Corporation1
    • General Money Market, Class B Shares
    • General Municipal Money Market, Class B Shares
    • General Government Money Market, Class B Shares
      Money market mutual funds are not FDIC-insured.
  • FDIC-Insured Deposit Account2 from Regions Bank with tiered rates based on total household assets
  • Morgan Keegan Credit Interest

MARGIN SECURITIES ACCOUNT FEATURE

The MOR Account’s margin loan feature allows you to tap into the appreciated value of your assets without incurring capital gains taxes.

  • Margin loan interest can be tax deductible.
  • Competitive interest rate on outstanding balances.
  • Automatically create a margin loan when MOR Account checks or MOR Platinum Visa CheckCard purchases exceed money market or cash balances.3

ACCOUNT PROTECTION2

  • $125 million in account protection for each eligible MOR Account (subject to SIPC $100,000 limit for cash balances) through SIPC and Lloyd’s of London4.
  • FDIC Insurance for up to $250,000 in deposits placed in the Regions FDIC-Insured Deposit Account option.5

1 Investments in money market funds and other securities are not insured or guaranteed by Regions Bank, the Federal Deposit Insurance Corporation or any other government agency or private entity. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money investing in a money market fund. Yields fluctuate. Dreyfus Corporation is the distributor of the Dreyfus Family of Funds. For more information on the Dreyfus Funds, ask your Morgan Keegan Financial Advisor for a prospectus, which contains more complete information including fund management fees, distribution and other expenses and share classes. Read the prospectus carefully before investing.
2 SIPC does not cover funds held in FDIC-insured accounts nor does it protect against losses due to fluctuations in the market value of investments. For more information, visit www.sipc.org.
3 Subject to terms of Morgan Keegan Margin Agreement. Margin loans limited to the available margin loan value of the securities in your MOR Account.
4 Excess SIPC coverage subject to $400 million aggregate loss limit. Explanatory brochure available upon request or at www.sipc.org.
5On October 3, 2008, FDIC deposit insurance was temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009, as part of the Emergency Economic Stabilization Act of 2008. Additional information is available at www.fdic.gov.

 » Learn More About The MOR Account

MOR Terms and Conditions 2008