You have many reasons to hold on to cash, for expenses in the near term like vacations, unexpected life events or simply as an emergency fund. But wouldn’t it be nice if your cash could earn more interest than with a typical bank savings or checking account? You may with UBS Cash Reserve, FDIC-insured1 up to applicable limits (For more information on FDIC coverage, see footnote 1).
Cash can earn more with UBS Cash Reserve
Cash can earn more with UBS Cash Reserve
With no market or liquidity risk, UBS Cash Reserve can help you earn competitive yields on your cash while keeping your long-term investment strategy on track. You’ll enjoy more flexibility than with term deposits like Certificates of Deposits (CDs), plus you’ll get 10 withdrawals per month. Additional withdrawals in the same month incur a $25 fee each or initiate liquidation of the entire UBS Cash Reserve depending on your account type (applicable fees may reduce earnings). Review the UBS Cash Reserve Disclosure Statement
for additional details. Deposits in UBS Cash Reserve can help you meet your short-term cash needs. Easily transfer funds to and from your account on UBS Online Services, or the UBS Wealth Management app or by contacting your UBS Financial Advisor.
Transfers to and from UBS Cash Reserve are completed through an eligible UBS Financial Services Inc. account.
Make the most of your cash based on when you need it, and how you plan to use it.
Make the most of your cash based on when you need it, and how you plan to use it.
UBS Bank offers a wide range of competitive deposit options that come with the safety of FDIC insurance (up to applicable limits, for more information on FDIC coverage, see footnote 1). By understanding the role of cash and how it fits with your life’s goals, we can help you maintain your lifestyle, while funding your short-term spending needs.
1 UBS Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Funds on deposits at UBS Bank are eligible for FDIC insurance up to $250,000 (including principal and accrued interest) per depositor for each insurable capacity (e.g., single, joint, etc.) in which the deposit is held. For purposes of FDIC insurance, your deposits will be aggregated with your other deposit balances held in the same insurable ownership capacity at UBS Bank, including any UBS Bank issued certificates of deposit you own, UBS Cash Reserve deposits, and deposits placed at UBS Bank through participation in the UBS Deposit Sweep Program or through sweep programs offered by third-party broker-dealers. You are responsible for monitoring the total amount of deposits at UBS Bank in order to determine the extent of FDIC deposit insurance coverage. FDIC deposit insurance only covers the failure of an insured bank. UBS Financial Services Inc. is not an FDIC-insured bank. Certain conditions must be satisfied for deposit insurance coverage to pass through to clients’ funds placed by UBS Financial Services Inc. at FDIC-insured banks. For more information about FDIC insurance, please visit the FDIC website at fdic.gov/deposit/deposits.
2Linking your UBS accounts to external accounts through Instant Account Verification (IAV) or Manual Account Verification (MAV) is not available for any type of business account, regardless of whether the account is held away or at UBS.
3Only non-advisory accounts can execute online UBS Cash Reserve deposits and withdrawals.
4 UBS Financial Services Inc. (“UBS FSI”) offers various cash sweep options. Your eligibility for a particular sweep program is set forth in the Account Agreements and Disclosures, which may be viewed at ubs.com/accountdisclosures. Depending on the particular sweep program, the available cash balances in your securities account at UBS FSI will be automatically deposited into deposit accounts at: (i) UBS Bank, a Federal Deposit Insurance Corporation (“FDIC”) member bank that is affiliated with UBS FSI; or (ii) other participating banks whose deposits are FDIC insured (“Program Banks”). The current lists of Program Banks participating in the UBS Insured Sweep Program and the UBS FDIC-Insured Deposit Program are set forth in UBS Bank Priority Lists, which is available online at ubs.com/bankprioritylists. FDIC insurance protect funds that have been deposited at UBS Bank and the Program Banks, provided that the requirements for deposit insurance have been met. FDIC deposit insurance only covers the failure of an insured bank. UBS FSI is not an FDIC insured bank. Certain legacy UBS FSI accounts that enrolled in a sweep program prior to November 18, 2019 may also sweep to UBS AG, Stamford Branch. Deposits held at UBS AG, Stamford Branch are not insured by the FDIC, Securities Investor Protection Corporation (“SIPC”), or any governmental agency of the United States, Switzerland or any other jurisdiction. Your client can view the current yields for the sweep options at ubs.com/sweepyields. For more information about UBS cash sweep programs, please see the UBS Deposit Sweep Program Disclosure Statement or contactyour Financial Advisor.
About UBS Bank
“UBS Bank” is UBS Bank USA, N.A. Member FDIC, NMLS no. 947868. UBS Bank is a subsidiary of UBS Group AG.
About UBS Cash Reserve
UBS Cash Reserve deposits are made through an account at UBS Financial Services Inc., an affiliate of UBS Bank. UBS Financial Services Inc., as your agent and custodian, will open a deposit account with UBS Bank. Certain advisory accounts, non-resident aliens and financial institutions are not eligible for UBS Cash Reserve. For more information, please see the UBS Cash Reserve Disclosure Statement available at ubs.com/cashreservedisclosure or contact your Financial Advisor.
UBS Cash Reserve is not intended for clients who need frequent access to their funds. For non-advisory accounts, UBS Financial Services Inc. will charge $25 for each withdrawal in excess of ten (10) withdrawals in a calendar month. For advisory accounts, if you make more than ten (10) withdrawals in any month, your entire UBS Cash Reserve position (principal plus accrued interest) will be liquidated at the eleventh (11th) withdrawal and deposited in your advisory account. Your funds will not automatically go back into UBS Cash Reserve the next month. Ask your Financial Advisor to transfer funds back if you want to deposit again. A withdrawal will be considered to occur on the day on which the funds are actually withdrawn from UBS Cash Reserve, which may not be the same day on which you place an order for the withdrawal with your Financial Advisor. Any applicable fees will be posted to your account at UBS Financial Services Inc. the business day following the excess withdrawal, and may reduce your earnings. You may incur a withdrawal fee or your position may be liquidated, as applicable, even if the withdrawal is involuntary such as if a withdrawal is made by UBS Financial Services Inc. to meet a margin call.
About UBS Financial Services Inc.
The Resource Management Account (RMA), Business Services Account BSA and International Resource Management Account (IRMA) are brokerage accounts with UBS Financial Services Inc., a registered broker-dealer and a Member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). An explanatory brochure is available upon request or at sipc.org. These accounts provide access to cash management services through arrangements with affiliated banks and other third-party banks, and provide access to insurance and annuity products issued by unaffiliated third-party insurance companies through insurance agency subsidiaries of UBS Financial Services Inc. UBS Financial Services Inc. is not a bank.
Investment, insurance and annuity products: Not FDIC insured • Not a deposit • No bank guarantee • May lose value
This material has been prepared for informational purposes only and is not an offer to buy or sell or a solicitation to buy or sell a CD or to participate in any trading strategy. The CDs discussed may not be suitable or in the best interest for all investors and will depend on individual investors’ circumstances and objectives. You should carefully review the CD Disclosure Statement, any supplement to the Disclosure Statement and your trade confirmation for the terms of the CD, including the time periods when the issuer may call the CD.
You should compare the rates of return and other features of the CDs to other available investments before deciding to purchase a CD. The rates paid with respect to the CDs may be higher or lower than the rates on deposits or other investments available directly from the issuer or through the firm.
The Securities and Exchange Commission periodically publishes tips for investors in various financial products, including CDs, on its website. You may access these investor tips at sec.gov.
CDs at an issuing bank are eligible for FDIC insurance up to the maximum limits allowed by law. The FDIC’s regulations impose conditions for obtaining FDIC insurance coverage for deposits held through agents, such as UBS Financial Services Inc. These conditions include recordkeeping requirements applicable to the agent. FDIC deposit insurance only covers the failure of an insured bank. UBS Financial Services Inc. is not an FDIC-insured bank.
UBS Financial Services Inc. is a subsidiary of UBS Group AG. Member FINRA. Member SIPC.
© UBS 2026. The key symbol, UBS, Resource Management Account, RMA, Business Services Account BSA, International Resource Management Account and IRMA are among the registered and unregistered trademarks of UBS. All rights reserved.
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