When is my account borrowing money?

When cash is (negative) then you are on margin

To check if your account is on margin (or borrowing) money, check your cash balance. You can view your balances by clicking the blue Balances dropdrown, located immediately to the right of your account. If your cash balance is negative (in parenthesis), then that means your account is on margin and borrowing money. In the example below, this account is margining $16,991.67 in stock. Accounts on margin are assessed interest daily (including weekends) and are charged monthly (mid-month). To learn how to calculate a margin debit balance, then please click here.