Menu Prudential Financial Search Log in Introducing our cash management account Smart investing for savers with Prudential Builder Keep your cash working with anywhere ATM access to your account, no minimum balance and no maintenance fees.1,2 Open an account opens in a new window The cash management account with extra benefits and convenience. Get the competitive rate your cash deserves Help your cash grow with a competitive yield in your choice of three conservative investment options. Access your account anytime Enjoy unlimited transfers, withdrawals at 35,000+ ATMs, and purchases anywhere VISA debit cards are accepted.1,2 Open your account in minutes Open and fund your account online in just three easy steps. Pay $0 monthly maintenance fees Get started with no minimum balance – and pay no monthly maintenance fees. Additional fees may apply, please click below for fee schedule. Prudential Builder Account Fee Schedule . PDF opens in new window What sets Prudential Apart? A history of stability and a commitment to our customers. What sets Prudential Apart? A history of stability and a commitment to our customers. Prudential has been helping individuals and institutions invest and achieve their goals for over 90 years. With over $1.6 trillion* in assets under management, we continue to work in their interest and earn their trust every day. *As of 3/2021 It’s easy to open your account online. And put your money to work. Open an account Opens in new window Step 1. Create your profile Answer a few questions to start Step 2. Choose your investment Select the fund that’s right for you Step 3. Make a deposit Make your initial deposit online Prudential Builder gives you three ways to invest Money Market Fund PGIM Government Money Market Fund (PMZXX) Seeks to provide maximum current income consistent with stability of capital and the maintenance of liquidity. Money Market Fund Fidelity Treasury Money Market Fund (FDUXX) Seeks to obtain as high level of current income as is consistent with the preservation of capital and liquidity. Bank Deposit Sweep NFS FDIC Bank Deposit Program An interest-bearing FDIC-insured deposit account. FAQs FAQs What is a Money Market Fund? What is a Bank Deposit Sweep Program? Footnotes PLEASE REVIEW THE IMPORTANT INFORMATION BELOW The Prudential Builder account is a brokerage account designed for spending and cash management. It is not intended to serve as your main account for securities trading and no advice is provided with respect to your Prudential Builder account. Customers interested in securities trading or investment advice should contact their local Prudential Adviser. https://www.prudential.com/wps/portal/production/common/findfinancialprofessional/ Pruco Securities is not a bank and Prudential Builder is not a bank account. Through Prudential Builder, you can select either a money market fund sweep option or an FDIC-insured bank deposit sweep option. Consider a fund's investment objectives, risks, charges and expenses carefully before investing. The prospectus and the summary prospectus contain this and other information about the fund. You can find a copy of the prospectus by going to PGIM and Fidelity websites. Read them carefully before investing. The yield quotations more closely reflect the current earnings of a money market fund than a total return quotation. Past performance does not guarantee future results and current performance may be lower or higher than the past performance data quoted. The investment return and principal value will fluctuate, and shares, when sold, may be worth more or less than the original cost. For the most recent and complete information about performance, charges and expenses, visit the applicable fund’s website (PGIM opens in a new window , Fidelity opens in a new window ). Through the Prudential Builder Account, we make available to you certain money market funds. You could lose money by investing in a money market fund. Although these funds seek to preserve the value of your investment at $1.00 per share, they cannot guarantee they will do so. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. A money market fund’s sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. You should know that money market funds have different characteristics than bank sweep and savings accounts and read each fund’s prospectus carefully. An important difference is that bank sweep products and savings accounts have FDIC protection, which guarantees principal and interest within limits; while money market funds do not have FDIC protection. In addition, money market mutual funds generate income from their underlying investments, which may be subject to market fluctuations and risk of default, while bank sweep and savings account products pay an interest rate that is set by the deposit bank(s). The yield for each money market fund shown is the average amount earned by the fund after expenses over the past 7 days (per date indicated), and annualized. Please consider each type of account and products carefully, as there are differences in services and fees. The Securities Investor Protection Corporation(SIPC) protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm. The limit of SIPC protection is $500,000, which includes a $250,000 limit for cash. SIPC does not protect against the decline in value of your securities. SIPC does not protect claims against a broker for bad investment advice, or for recommending inappropriate investments.Explanatory brochure available upon request or at www.sipc.org opens in a new window . Cash deposited in the NFS Bank Deposit Program is deposited at a participating FDIC member bank. Funds deposited at an FDIC-insured institution are insured, in aggregate, up to $250,000 per depositor, per insured institution, based upon account type, by the Federal Deposit Insurance Corporation (FDIC). The FDIC considers any other deposits you may have with an issuing bank. For more information, visit www.FDIC.gov opens in a new window Your cash balance is only eligible for FDIC insurance once it is deposited into the Prudential Builder program and held with a Prudential Builder participating bank (“Program Bank”). Your cash balance while held by NFS and/or your Broker/Dealer is not FDIC insured, but is covered by the SIPC. This includes amounts in the cash balances placed in your Brokerage Account that have not yet been received by a Program Bank or which have been swept from a Program Bank back to your Brokerage Account. SIPC currently protects these funds and securities up to $500,000, including $250,000 for claims for cash. Any securities held in your Brokerage Account including Money Funds (as opposed to a deposit in the Prudential Builder program held by a Program Bank) are investment products, and as such: (i) are not insured by the FDIC; (ii) carry no bank or government guarantees; and (iii) are subject to investment risk, including loss of principal amount invested. 1The Prudential Builder Debit Card is issued by PNC Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other or with Pruco Securities LLC. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc. 2Withdraw cash at any ATM with the Visa®, Plus®, or STAR® logos. Prudential provides ATM access at no charge. The owner or operator of an ATM may charge a surcharge fee for the transaction. For each Foreign Transaction involving a card, there is a foreign Transaction fee (currently, one percent of the Transaction for non-US dollar transactions), which will be included in the amount charged to your account. This charge may apply whether or not there is a currency conversion. These fees are nonrefundable. The Annual Percentage Yield payable on the NFS FDIC Bank Deposit Program is subject to change from time to time after the account is opened without prior notice from the Program Bank, Pruco Securities, or NFS. Securities products and services are offered through: Pruco Securities, LLC (Pruco). PGIM mutual funds are distributed by Prudential Investment Management Services LLC (PIMS). Pruco and PIMS are both members SIPC opens in a new window and located in Newark, NJ. All are Prudential Financial Companies. This web page is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing your retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. Prudential Financial, its affiliates, and their financial professionals do not render tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances. This website is for U.S. persons only and may not be approved in all states. Information contained on this site does not and is not intended to constitute an advertisement, solicitation or offer for sale in any jurisdiction, outside the United States of America, where such use would be prohibited or otherwise regulated. Prudential, the Prudential logo, the Rock Symbol and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Prudential Financial, Inc. of the United States is not affiliated with Prudential plc, which is headquartered in the United Kingdom. Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency | May Lose Value | Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate. For Compliance Use Only: 1054290-00001-00 Follow us on: Facebook page opens in a new window Linkedin page opens in a new window Instagram page opens in a new window Youtube page opens in a new window Twitter page opens in a new window Pinterest page opens in a new window Help Report Fraud Terms & Conditions Privacy Center Accessibility NY - Domestic Violence Notice Business Integrity Sitemap Check the background of this firm on FINRA's BrokerCheck opens in a new window AdChoices opens in a new window Assurance IQ, LLC a wholly-owned subsidiary of Prudential Financial, Inc. ("Prudential") matches buyers with products such as life and health insurance and auto insurance, enabling them to make purchases online or through an agent. Neither Prudential Financial, Inc. nor Assurance IQ issues, underwrites, or administers health plans or health insurance policies. Life Insurance and Annuities are issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), located in Newark, NJ (main office), or by Prudential Annuities Life Assurance Corporation (except in NY) located in Shelton, CT. (main office). Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. Prudential Annuities is a business of Prudential Financial, Inc. Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ LINK by Prudential is an umbrella marketing name for various subsidiaries of The Prudential Insurance Company of America. Investment advisory products and services of LINK by Prudential are made available through Pruco Securities, LLC, (sometimes referred to as “Pruco”) doing business as Prudential Financial Planning Services, pursuant to separate agreement. Prudential LINK and LINK by Prudential occasionally may be referred to as LINK. Where LINK by Prudential is made available in connection with certain Financial Wellness products, access is made available through Prudential Workplace Solutions Group Services (“PWSGS”). PWSGS provides access to a number of Financial Wellness products, services, seminars and tools offered by PWSGS, its affiliates or third parties. PWSGS is a subsidiary of Prudential PWSGS is not a licensed insurance company, does not provide insurance products or services and does not provide financial, investment or other advice. Individuals should consult appropriate professionals when making financial, investment and tax decisions. Virtual Advisors may provide investment advisory services that are limited in scope and do not constitute comprehensive financial planning. This web page is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing your retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. Prudential Financial, its affiliates, and their financial professionals do not render tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances. In providing this information, neither Prudential nor any of its affiliates or financial professionals is acting as your ERISA fiduciary. Prudential LINK financial representatives currently offer a more limited range of insurance and annuity products (“insurance products”) compared to the range of insurance products offered through other Prudential distribution channels. For additional important information about the products, services and companies that make them available, please click here.* Opens in new window This website is for U.S. persons Opens in new window only and may not be approved in all states. Information contained on this site does not and is not intended to constitute an advertisement, solicitation, or offer for sale in any jurisdiction outside the United States, where such use would be prohibited or otherwise regulated. Securities and Insurance Products: Certain securities products and services are offered through Pruco Securities, LLC and Prudential Investment Management Services, LLC, both members SIPC Opens in a new window and located in Newark, NJ, or Prudential Annuities Distributors, Inc., located in Shelton, CT. See Statement of Financial Condition PDF Opens in a new window for Prudential Investment Management Services, LLC. Investing in securities involves risk, and there is always the potential of losing money. Asset allocation and rebalancing do not ensure a profit or guarantee against loss. You should consider the features of the contract and/or the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information are contained in the prospectus. Please read the prospectus carefully before investing or sending money. Not Insured by FDIC or any Federal Government Agency | May Lose Value | Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate. All references to income certainty and guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options. Projections generated regarding likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results derived from various “what if” scenarios for your financial life may not reflect the actual costs or amounts ultimately needed to fund specific life events. Prudential and its affiliates are not liable for use of the LINK by Prudential experience. Learn more about our Methodology Opens in a new window . Prudential, the Prudential logo, the Rock Symbol, Bring Your Challenges, Prudential LINK and LINK by Prudential are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. "Prudential Advisors" is a brand name of The Prudential Insurance Company of America and its subsidiaries. Prudential Financial is not affiliated in any manner with Prudential plc, an international group incorporated in the United Kingdom or the Prudential Assurance Company, a subsidiary of M&G plc, a company incorporated in the United Kingdom. By using this website, you agree that you have read and agree to our Terms and Conditions. Template: 1000797-00009-00 © 2021 Prudential Financial, Inc. and its related entities.