Frequently asked questions

All FAQs about margin

  • Withdrawals are available from margin accounts. Settled funds must be available for withdraw on the date the withdrawal is scheduled to be issued. Withdrawal requests from margin accounts with insufficient settled funds will invoke an extension of credit as outlined in the Customer Account Agreement.
    Margin Accounts, which allow the purchase of securities on credit, enable you to increase the buying power of your equity and thus increase the potential for profit or loss. A portion of the purchase price is deposited when buying securities on margin and Pershing extends credit for the remainder. The loan appears as a debit balance on your monthly account statement. Pershing charges interest on the debit balance and requires you to maintain securities, cash or other property to secure repayment of funds advanced and interest due.
    Interest will be charged for any credit extended to you for the purpose of buying, trading or carrying any securities, for any cash withdrawals made against the collateral of securities, or for any other extension of credit. When funds are paid in advance of settlement on the sale of securities, interest will be charged from the date of payment until settlement date. In the event that any other charge is made to the account for any reason, interest may be charged on the resulting debit balances.
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TIAA Brokerage, a division of TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC , distributes securities. Brokerage accounts are carried by Pershing, LLC, a subsidiary of The Bank of New York Mellon Corporation, Member FINRA, NYSE, SIPC.