Stocks, funds and orders
What a share is, how index funds and ETFs differ from picking individual companies, what a trade costs once the spread is counted, and how an instruction becomes a settled position.
Read the investing guideAmerican Reserve Union Portfolio Securities
Your accounts, your holdings, and a straight answer about each number.
Investments, deposit accounts and customer care in a single signed-in view. Balances separate what has posted from what is still pending, and every instruction is shown in full before you send it.
Understand an order
How crypto custody works
Move money between accounts
Report a security concernInvesting first, with the banking that supports it.
ARUPS is built around investing — shares, funds and digital assets — with the deposit accounts that fund it. The guides below explain how each product works before you put money into it.
Crypto, on its own terms
Bitcoin, Ethereum, Solana and XRP sit alongside your other holdings, but they are not held the same way. Custody differs, transfers cannot be reversed, and most of the protections behind a share or a deposit do not carry over.
Read the digital assets guide
Day-to-day accounts
Balances, activity, transfers and statements — and why the available balance, not the ledger balance, is the one that decides what you can spend today.
Read the online banking guide
What you can do once you sign in
Four things, in the order you will usually need them.
- Start at the overview
Deposit balances, recent activity and your investment total sit on one screen, so you can read your position in a single pass.
- Check activity before you act
Every entry carries a date, description, category and amount, and is marked pending or posted. A pending card authorisation can still change.
- Review a transfer or an order
Transfers and orders show the full instruction — accounts, amount and what happens next — on a review step, before anything is submitted.
- Ask customer care
Messages stay attached to your account, so you do not have to repeat the background each time you write.
Background reading, before you commit money.
Where returns actually come from
Capital growth and dividends, what a share price really represents, and why a one percent fee matters more than it sounds.
Read more
What investment risk means
Market, concentration, liquidity and currency risk are different problems. Diversification solves some and none of the others.
Read more
Protecting your account
How sign-in works here, how to recognize a phishing message, and what to do first if you think someone else has access.
Read moreARUPS will never ask you for your password.
Staff cannot see your password, and no member of customer care will ask for it, for a one-time code, or for a full account number in a message. If a message claiming to be from ARUPS asks for any of those, treat it as fraudulent and report it.
Read the security guide
Questions worth asking first
What do I need in order to sign in?
The email address held on your account, and your password. Reach the sign-in page by typing the address yourself or using your own bookmark, rather than following a link sent to you.
What does a review step mean on a transfer or an order?
It is the screen that shows the full instruction before it is sent: the accounts involved, the amount, and what happens next. Nothing on a review screen has been submitted yet.
Why does the site lead with investing rather than banking?
Because that is where most of the decisions are. Holdings cover shares, an index ETF and four digital assets, and placing an order asks more of you than moving money. The deposit accounts support that activity, and borrowing sits under Learn as reference material.
What happens to a message I send customer care?
It is stored against your account and appears in the staff inbox, where a member of staff can reply. The conversation stays available when you return. Do not include a password, a PIN or a full account number in it.