An all-in-one account banks and brokerages offer to allow customers to invest, write checks, pay bills, and earn an elevated interest rate on their cash. Brokerages typically require a minimum amount of cash and securities, sometimes as much as $25,000. Annual fees can reach $125 or so. Any cash that comes in from interest, dividends, or the sale of securities is swept into a money market account. Brokerages also offer customers free checking and access to preferred rates on loans. Because of the fees, this kind of account best serves active traders. Also called asset management account.