As your wealth grows, so does the time and responsibility required to manage your cash and borrowing needs. That’s why we offer you a complete suite of cash management tools and borrowing options that give you the power to manage your day-to-day finances without disrupting your long-term financial plan. We can also provide the convenience of easy access to monitor all of your finances in one central, secure location. Our integrated cash management solution, Capital Access*, is designed to help you simply and flexibly manage your immediate and long-term cash needs. We also offer a number of borrowing options that will help you avoid disrupting your long-term financial plan.
Specialized banking and borrowing services include:
- FDIC insurance protection1
- Securities lending through a securities based line of credit or margin loan2,3
- Cash “sweep” to brokerage account
- Rewards program
- Online account access
- Check writing and direct deposits
- Overdraft protection
- Automatic payment/fund transfer
- ATM fee reimbursements
* Capital Access account holders eligible for reimbursement up to $200 per year ATM surcharge-fees. Premium account holders eligible for unlimited ATM surcharge-fees reimbursement.
Choosing the right lending program is as integral a part of the financial planning equation as investing. Raymond James Bank offers several types of loans, each designed to work holistically with your financial plan. They can be used for a variety of objectives, such as growing your business, purchasing a luxury item or taking advantage of other investment opportunities.
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1All funds held at participating banks in the Bank Deposit Program are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, for each account ownership category. Available cash in your Raymond James account is deposited into interest-bearing accounts at up to 12 banks. Raymond James will deposit up to $245,000 ($490,000 for joint accounts of two or more) in each bank on a predetermined bank priority List. Additional information can be found at fdic.gov or by calling 877.ASK.FDIC (877.275.3342).
2Margin or a Securities Based Line of Credit may not be suitable for all clients. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk. The proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the margin call, and the firm can sell the client’s securities without contacting them. The interest rates charged for a Securities Based Line of Credit are determined by the market value of pledged assets and the net value of the client’s Capital Access account. The interest rates charged for Margin are determined by the amount borrowed. For additional information on margin, visit http://sec.gov/investor/pubs/margin.htm.
3Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered national bank.
Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.
