--- title: What types of account fees are charged at AET? description: What types of fees are charged? --- [Skip to content](https://support.aetrust.com/what-types-of-account-fees-are-charged-at-aet#main-content) English Show submenu for translations [More support](https://support.aetrust.com/kb-tickets/new?hsLang=en) [Customer portal](https://cs.aetrust.com/tickets-view?hsLang=en) [![American Estate & Trust](https://support.aetrust.com/hubfs/Website%20Assets/Logo%20Assets/logo-text.svg)](https://support.aetrust.com/?hsLang=en) Open main navigation Close main navigation - English Show submenu for translations - [More support](https://support.aetrust.com/kb-tickets/new) - [Customer portal](https://cs.aetrust.com/tickets-view) - [Contact us](https://aetrust.com/contact) [Contact us](https://aetrust.com/contact) How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://support.aetrust.com/?hsLang=en) 2. [Investor Portal](https://support.aetrust.com/investor-portal?hsLang=en) 3. [Fees and Payments](https://support.aetrust.com/investor-portal?hsLang=en#fees-and-payments) # What types of account fees are charged at AET? At American Estate & Trust (AET), we maintain a transparent and straightforward fee structure for our Self-Directed IRA (SDIRA) accounts. Below is an overview of the fees associated with our services: ### **1. Account Setup Fee** - **One-Time Charge:** A one-time fee of $50 is required to establish a new SDIRA account. ### **2. Annual Account Fees** - **Standard SDIRA Fee:** $349.95 per year for accounts holding traditional assets such as real estate, private placements, and other alternative investments. - **Precious Metals-Only IRA Fee:** $195 per year for accounts that exclusively hold precious metals. ### **3. Precious Metals Storage Fee** - **Monthly Storage Fee:** If your IRA holds precious metals, a storage fee of $12 per month ($144 annually) is charged in addition to the annual account fee. ### **4. Minimum Account Balance Requirement** - **General Minimum Balance:** All IRA accounts must maintain a minimum cash balance of $325 to cover fees. - **Real Estate IRA Minimum Balance:** If your IRA holds real estate, you must maintain a minimum cash balance equal to **10% of the property's value**. This ensures sufficient funds are available for expenses such as property taxes, insurance, and fees. ### **5. Transaction Fees** - **Standard Transactions:** Each transaction, such as asset purchases or sales, incurs a fee of $9.95. - **Other Transaction Fees:** - **Partial IRA Transfer:** $75.00 for transferring part of your IRA to another custodian. - **Complete IRA Termination:** $250.00 for fully transferring or distributing your IRA. - **Roth Conversion/Recharacterization:** $75.00 for conversions processed by AET; $125.00 if the original conversion was done by a different custodian. - **Wire Transfers:** $33.95 per inbound or outbound wire transaction. - **Check Writing:** $13.95 per check issued. - **ACH Transfers:** $5.00 per incoming or outgoing ACH transaction. ### **6. Additional Service Fees** - **Courier Services:** $50.00 for overnight delivery; $25.00 for 2-day delivery, plus actual shipping costs. - **Cashier's Check:** $75.00 per check. - **Returned Check/Insufficient Funds:** $30.00 per occurrence. - **Stop Payment:** $50.00 per request. - **Document Services:** $25.00 per hour for document review (minimum $25.00); $10.00 for reproducing tax documents; $25.00 for deposit research. - **Rush Processing:** $75.00 for expedited requests processed within 24 hours. ### **7. How Fees Are Paid** Clients have two options for paying account fees: 1. **Account Deduction:** Fees can be automatically deducted from the available cash balance in your SDIRA. 2. **Credit Card Payment:** Clients can link a credit card to cover account fees instead of using their IRA funds. 1. **Please note:** Credit card payments are subject to a processing fee of **2.9% + 30¢ per transaction**. ### **8. Consequences of Non-Payment** - **Asset Liquidation:** If fees are unpaid and your account lacks sufficient cash, AET may liquidate assets within your IRA to cover outstanding charges. - **Account Distribution:** Continued non-payment may result in your account being distributed at its last known value, which could have tax implications. ### **9. Fee Adjustments** AET reserves the right to modify fees with a 30-day advance notice. 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