Your wealth, our special offers. Connected.

 

Talk to your UBS Wealth Advice Center Financial Advisor about solutions beyond your UBS investments. 

Call +1-877-827 7870 about special offers from UBS Bank USA available through December 31, 2019 

  • UBS Bank USA Core Savings
  • UBS Premier Credit Line
  • UBS mortgages
  • UBS credit cards

Explore the possibilities when your investments and cash management resources from UBS Financial Services Inc. and banking solutions from UBS Bank USA work together to help meet your goals.

 

1.95% APY on UBS Bank USA Core Savings and more special offers

Get a preferred 1.95% APY (Annual Percentage Yield) through December 31, 2019, with a deposit of $10,000 or more in Net New Cash in UBS Bank USA Core Savings from sources other than your UBS accounts by December 12, 2019.1 You get five free withdrawals each month. After that, withdrawals are $25 each (may reduce earnings).2

Better rates, added rewards

With a UBS Bank USA Core Savings deposit of $50,000 or more in Net New Cash, you may be eligible for more special offers from UBS Bank USA through December 31, 2019.3

 

Get a lower rate when you consolidate outside debt

With a $50,000 or more UBS Bank USA Core Savings Net New Cash deposit

Get a 0.50% minimum interest rate discount when you transfer non-UBS loan balances to a UBS Premier Credit Line, backed by your eligible UBS assets.

Or, you may get a 0.25% minimum interest rate discount when you transfer non-UBS loan balances to a UBS Premier Credit Line, without a UBS Bank USA Core Savings requirement.

 

Enjoy a $795 fee credit on residential mortgages + more

With a $50,000 or more UBS Bank USA Core Savings Net New Cash deposit

Get a $795 origination fee credit at closing.

And, you may also be eligible for an interest rate discount of up to 0.75% on a residential jumbo loan, without a UBS Bank USA Core Savings requirement.

 

Receive bonus reward points on a new UBS credit card

With a $50,000 or more UBS Bank USA Core Savings Net New Cash deposit

Get 25,000 bonus points when you open a new UBS Visa Infinite credit card or UBS Visa Signature credit card.

And, you may also be eligible for 85,000 bonus points on a new UBS Visa Infinite credit card and 35,000 bonus points on a new UBS Visa Signature credit card, without a UBS Core Savings requirement.

These offers are not available for existing credit cardholders. 

Speak with your UBS Wealth Advice Center Financial Advisor to help you determine whether these limited-time offers may be appropriate as part of your overall wealth management plan. Eligibility rules apply.

Solutions from UBS Bank USA

Take advantage of cash management and financing options for your everyday and future needs.

 

UBS Bank USA Core Savings

  • Enjoy a competitive yield, without tying up your cash
  • FDIC-insured (up to applicable limits) short-term cash for unexpected life events or expenses
 

UBS Premier Credit Line

  • Borrow against eligible UBS investments for flexible financing
  • Access more liquidity for business expansion, tax expenses, bridge financing and luxury purchases
 

UBS Bank USA mortgages

  • Streamlined process, personalized service, tailored solutions
  • Purchase a new home, vacation home or investment property
  • Enjoy rate assurance and our closing date promise
 

UBS credit cards

  • A range of personal and business credit cards to fit your needs
  • Exclusive rewards program, valuable benefits and UBS Concierge
  • Global cash access

Speak with your UBS Wealth Advice Center Financial Advisor about how investing, cash management and financing can work together.

Not all products and services available at UBS Financial Services Inc. are available through the UBS Wealth Advice Center; therefore, the advice and service provided by its team of Financial Advisors are limited to those specifically included in its offering. Regular portfolio reviews are available upon request.

About UBS Bank USA products

You may be eligible for additional banking product benefits, offered by UBS Bank USA, as detailed below when you make a deposit of $50,000 or more in Net New Cash into UBS Bank USA Core Savings by December 12, 2019. These bundled and base offers are available October 1 – December 31, 2019, subject to availability. This offer may be withdrawn prior to the UBS Bank USA Core Savings ticketing period ending December 12, 2019, and may be subject to other restrictions. This advertisement is non-binding on any UBS company and is not a commitment to lend. You should review the disclosure statements or terms and conditions specific to the promoted UBS Bank USA products or programs. Only accounts eligible for UBS Bank USA Core Savings will be eligible for the other bundled product offer benefits.

1UBS Bank USA Core Savings bundled and base offer: The promotional rate is effective October 1 – December 31, 2019 when you deposit $10,000 or more in Net New Cash into UBS Bank USA Core Savings October 1 – December 12, 2019. You may also be eligible for additional UBS Bank USA product benefits detailed below when you deposit $50,000 or more in Net New Cash into UBS Bank USA Core Savings October 1 – December 12, 2019. Net New Cash equals cash transferred to your UBS account from sources other than an existing UBS account minus cash transferred from your UBS account, beginning from September 27, 2019 (i.e., the lookback date) until the day you make a deposit into UBS Bank USA Core Savings. Funds need to be in your UBS account one day prior to depositing them into UBS Bank USA Core Savings. Net New Cash does not include: internal transfers; dividends and interest; maturities and redemptions; other investment assets transferred in or out or fees. Net New Cash must be in your UBS account that is purchasing UBS Bank USA Core Savings. Only accounts eligible for UBS Bank USA Core Savings will be eligible for other bundled product benefits. Annual percentage yield (APY) is 1.95% as of October 1, 2019. Promotional rate ends on December 31, 2019. At the end of the promotional period, interest rates will be tiered based on your eligible deposits at UBS and applicable rates may be viewed at ubs.com/coresavings. Rates and tiers are subject to change without notice. UBS Bank USA Core Savings is available only to individuals, nonprofit entities and US governmental entities and is not available for all managed accounts, certain business and certain international accounts. UBS Bank USA Core Savings is available for purchase through an account at UBS Financial Services Inc., an affiliate of UBS Bank USA, and standard account fees apply. UBS Financial Services Inc., as your agent and custodian, will open a deposit account on your behalf with UBS Bank USA, Member FDIC. Funds deposited at UBS Bank USA are insured by the Federal Deposit Insurance Corporation (FDIC), in aggregate, up to $250,000 based on account ownership type. For the purposes of FDIC insurance, your deposits are aggregated with your other deposit balances at UBS Bank USA, including any Certificates of Deposit, and deposits through the UBS Bank Sweep Programs and UBS FDIC Insured Program. You are responsible for monitoring the total amount of your deposits at UBS Bank USA in order to determine the extent of FDIC insurance coverage. For more information, please review the disclosure statement available at ubs.com/coresavingsdisclosure (PDF). UBS Bank USA reserves the right to change or terminate this offer at any time.

2 UBS Bank USA Core Savings is not intended for clients who need to have frequent access to the funds. UBS Financial Services Inc. will charge you a fee of $25 for each withdrawal that you make from UBS Bank USA Core Savings in excess of five (5) withdrawals in a calendar month. Standard fees apply. Applicable fees may reduce your earnings. For these purposes, a withdrawal will be considered to occur on the day on which the funds are actually withdrawn from the UBS Bank USA Core Savings account, which may not be the same day on which you place an order for the withdrawal with your Financial Advisor. Withdrawal fees will be posted to your UBS account the business day following the excess withdrawal. You may incur a withdrawal fee even if the withdrawal is involuntary such as if a withdrawal is made by UBS to meet a margin call.

3 You may be eligible for additional banking product benefits, offered by UBS Bank USA, when you make a deposit of $50,000 or more in Net New Cash into UBS Bank USA Core Savings October 1 – December 12. 2019. Contact your UBS Financial Advisor for details. Eligibility rules apply. These bundled and base offers are available October 1 – December 31, 2019, subject to availability. These bundled offers may be withdrawn prior to the UBS Bank USA Core Savings ticketing period ending December 12, 2019, and may be subject to other restrictions. Only accounts eligible for UBS Bank USA Core Savings will be eligible for other bundled product offer benefits.

UBS credit card bundled offer: You may receive 25,000 My Choice Rewards bonus points when you open a new UBS Visa Infinite credit card or UBS Visa Signature credit card by December 31, 2019, and make a deposit of $50,000 or more in Net New Cash into UBS Bank USA Core Savings by December 12, 2019. The 25,000 bonus points are available only for new UBS credit card clients. This bundled offer is not available to existing UBS credit cardholders. It may be combined with other UBS credit card offers described below. UBS Bank USA Core Savings and the new UBS credit card account must have the same ownership structure to qualify. Only one bundled 25,000 points offer is available per new card account. New UBS Visa Signature credit cards and UBS Visa Infinite credit cards must be opened during the bundled offer promotional time period October 1 – December 31, 2019 to qualify. The bundled offer points exclude UBS business credit cards. The bundled offer points will be awarded to the new card account by April 30, 2020. You must make a purchase at least once by January 31, 2020 to qualify for these bonus points. Review the credit card disclosures and terms and conditions for additional information and requirements.

UBS Mortgage bundled offer: In addition to the prevailing UBS Mortgage interest rate discount described below (see UBS Mortgage Premier Pricing offer), you may be eligible to receive a UBS Mortgage origination fee credit of $795 at the time of your residential mortgage closing when you make a deposit of $50,000 or more in Net New Cash into UBS Bank USA Core Savings by December 12, 2019. You will need to make the deposit at least 10 days prior to the mortgage closing date to qualify for the origination fee credit. Refinanced and new purchase mortgages are eligible for the fee credit. New purchase mortgage clients must initiate a rate lock at the time of pre-approval to be eligible for the fee credit. There is no limit on the number of mortgages within a client household that can receive the fee credit. Review your UBS Mortgage disclosures and terms and conditions for additional information and requirements.

UBS Premier Credit Line bundled and base offer: You may be eligible to receive a minimum interest rate discount of 0.50% on loan balances at another firm when you transfer those balances to a UBS Premier Credit Line by December 31, 2019, and make a deposit of $50,000 or more in Net New Cash into UBS Bank USA Core Savings by December 12, 2019. A minimum rate discount of 0.25% on a loan balance transfer is also available, without requiring a UBS Bank USA Core Savings deposit. If the non-UBS loan balance is based on a variable rate, the discounted UBS Premier Credit Line rate will be based on 30-day LIBOR plus a spread, with a floor of 30-day LIBOR plus 0.50%. If the non-UBS loan balance is based on a fixed rate, the discounted UBS Premier Credit Line rate will be based on the UBS Bank USA Fixed Funding rate for the duration that is remaining on the loan held away, up to 10 years, with a rate floor of the UBS Bank USA Fixed Funding rate plus 0.50%. If you transfer balances to a different loan type (e.g. fixed-rate loan to a variable-rate UBS Premier Credit Line, or variable-rate loan to a fixed-rate UBS Premier Credit Line), or move fixed-rate loan balances to a UBS Premier Credit Line with an interest rate duration that differs from that remaining on your loan held away, the result may be a discount that is less than expected, or no discount at all. The non-UBS loan balance rate must be documented and provided to UBS Bank USA before the discount will be applied. The discounted rate will be applied only to a new UBS Premier Credit Line advances through December 31, 2019. For variable lines, the discounted rate will be in effect through December 31, 2020, at which time the rate will increase by 0.25% and is subject to change in accordance with the terms of the Credit Line Agreement. This offer is available only for loans backed by liquid, diversified collateral acceptable to UBS Bank USA in its sole discretion. See your Credit Line Agreement for all terms and conditions of your Credit Line.

The terms and features of a UBS Premier Credit Line may differ from terms of your current loan(s). For example, a UBS Premier Credit Line is an uncommitted demand loan. There may be protections and tax benefits associated with other types of financing that are not available for UBS Premier Credit Lines. Additionally, prepayments of UBS Fixed Credit Lines will be subject to an administrative fee and may result in a prepayment fee. You should review financing options with your financial advisor(s), and independent legal and tax advisors to determine which type of financing is most appropriate for you.

My Choice Rewards points for a new UBS Visa Infinite credit card:

  • To receive 85,000 bonus points, you must open a new UBS Visa Infinite credit card by December 31, 2019, have $250,000 in assets under management at the firm when you open the new card account and make $5,000 in eligible purchases within the first three months from card account approval. Your period to spend the total $5,000 may be shorter than three months if there is a delay in receiving your card.
  • If you do not qualify for 85,000 points, you may be eligible to receive 25,000 bonus points. To receive 25,000 bonus points, you must open a new UBS Visa Infinite credit card by December 31, 2019, and make $3,000 in eligible purchases within the first three months from card account approval. Your period to spend the total $3,000 may be shorter than three months if there is a delay in receiving your card.

My Choice Rewards points for a new UBS Visa Signature credit card:

  • To receive 35,000 bonus points, you must open a new UBS Visa Signature credit card by December 31, 2019, have $250,000 in assets under management at the firm when you open the new card account and make $5,000 in eligible purchases within the first three months from card account approval. Your period to spend the total $5,000 may be shorter than three months if there is a delay in receiving your card.
  • If you do not qualify for 35,000 points, you may be eligible to receive 5,000 bonus points. To receive 5,000 bonus points, you must open a new UBS Visa Signature credit card by December 31, 2019, and make $3,000 in eligible purchases within the first three months from card account approval. Your period to spend the total $3,000 may be shorter than three months if there is a delay in receiving your card.

Purchases for these UBS Visa Infinite and Signature credit card offers may fall outside the three-month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped.) Qualifying purchases do NOT include fees or interest charges, balance transfers, cash advances or using any checks that access your account. These bonus offers are valid only for new card accounts and only one bonus is available per card account, regardless of the number of cardholders on that card account. Must apply by December 31, 2019. If you receive and apply for this offer but do not satisfy the requirements, you will not receive any new account bonus. These offers are only available for clients who have a UBS Financial Services Inc. account at the time of credit card application and/or link their new UBS credit card to a UBS Financial Services Inc. account. All applications subject to credit approval. Points can be redeemed at any time after they have been earned, as long as the account stays open and in good standing. The UBS Visa Signature credit card and UBS Visa Infinite credit cards are consumer credit cards that must be issued to an individual. As such, eligibility and the credit limit on the card is determined based on the personal creditworthiness and repayment ability of that individual. Once the card is approved, repayment of all legitimate charges made on the card is likewise the obligation of that individual.

Mortgage Premier Pricing offer: In addition to the bundled offer $795 mortgage origination fee credit when you make a deposit of $50,000 or more in Net New Cash into a UBS Bank USA Core Savings as described above, you may be eligible for a relationship discount of up to 0.75% on a jumbo UBS Mortgage via the UBS Bank USA Premier Pricing program. Jumbo loans are generally financed loan amounts greater than $484,350 (or in certain locations, $726,525). Qualified assets and/or qualified new assets must be deposited to a UBS account at least 10 business days prior to closing. Qualified assets for this offer are those held in personal accounts (e.g., RMA and IRA) or assets held in non-personal accounts that are included in the same marketing relationship as the personal accounts. Qualified net new assets for this offer are any new, qualifying assets deposited to a UBS account from a source outside of UBS at least 10 business days prior to the loan closing. Premier Pricing is not available for conforming or conforming plus-loans.

Important information about the UBS Visa Signature credit card: 16.99% variable APR for purchases, 23.99% variable APR for cash advances, 29.99% variable APR for the penalty rate (maximum penalty APR 29.99%). For balance transfers, 0% intro APR for the first 12 billing cycles for balance transfers within 90 days of account opening; after that, 16.99% variable APR. APRs vary with the market based on the prime rate. Annual fee: None. For balance transfers, a fee of $10 or 3% of the amount of the transfer, whichever is greater, applies. For cash advances, a fee of $10 or 3% of the amount of the cash advance, whichever is greater. For residents of Iowa and Puerto Rico only, the balance transfer fee and cash advance fee are equal to $2 or 2% of the amount of the transfer or advance, whichever is greater (maximum fee is $10). Foreign purchase transaction fee: 3% of each transaction in US dollars. This fee does not apply to residents of Iowa and Puerto Rico. Subject to credit approval. Information is accurate as of October 2019 and may have changed after that date. To learn what may have changed, please call 800-762-1000.

Important information about the UBS Visa Infinite credit card: 16.99% variable APR for purchases, 23.99% variable APR for cash advances, 29.99% variable APR for the penalty rate (maximum penalty APR 29.99%). For balance transfers, 0% intro APR for the first 12 billing cycles for balance transfers within 90 days of account opening; after that, 16.99% variable APR. APRs vary with the market based on the prime rate. Annual fee: $495. For balance transfers, a fee of $10 or 3% of the amount of the transfer, whichever is greater, applies. For cash advances, a fee of $10 or 3% of the amount of the cash advance, whichever is greater. For residents of Iowa and Puerto Rico only, the balance transfer fee and cash advance fee are equal to $2 or 2% of the amount of the transfer or advance, whichever is greater (maximum fee is $10). Foreign purchase transaction fee: None. Subject to credit approval. Information is accurate as of October 2019, and may have changed after that date. To learn what may have changed, please call 888-762-1232.

The phone number for UBS Bank USA is 1-800-762-1000. New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods at 800-342-3736 or dfs.ny.gov.

UBS Visa Signature credit cards and UBS Visa Infinite credit cards are issued by UBS Bank USA with permission from Visa U.S.A. Inc.

All residential mortgage products are only offered by UBS Bank USA, Member FDIC, NMLS No. 947868. All loans are subject to underwriting, credit and property approval. Please note that not all mortgage products are available in all states, or for all loan amounts. Other restrictions and limitations may apply. UBS Bank USA currently offers residential mortgage loans within the 50 states of the United States of America and the District of Columbia. UBS Financial Services Inc., 1200 Harbor Blvd., Weehawken, NJ 07086. Tel. no. 201-352-4054. NMLS No. 6737. Georgia Residential Mortgage Broker Registrant No. 18092. Massachusetts Mortgage Broker Lic. No. MB6737. Registered Mortgage Broker – NYS Dept. of Financial Services.



Equal Opportunity Lender. Equal Housing Lender. Equal Housing Lender Logo

The proceeds of a UBS Bank USA mortgage loan cannot be used to purchase, carry or trade in securities, or to repay any debt to any affiliate of UBS Bank USA. Purchase, rate/term refinance and cash-out refinance are permitted with the exception of cash-out refinance in the state of Texas.

UBS Financial Services Inc. and its Financial Advisors do not take mortgage loan applications, do not offer mortgage loans and do not negotiate terms of mortgage loans.

UBS Mortgage closing date promise: If you are purchasing a new home, UBS Bank USA promises to close your loan by the date specified in your purchase and sale agreement. If your loan fails to close on time due to a delay caused by UBS Bank USA, you will receive a credit of up to $1,000 against your closing costs. To be eligible, you must request and obtain a UBS Bank USA pre-approval letter and your purchase and sale agreement must have a closing date that is at least 30 days after the date that you submit to us a loan application and copy of the purchase agreement. Our promise is subject to the following conditions:

  • You must meet all requirements for qualifying for the requested loan.
  • Loans involving the following property types are not eligible: condominiums, co-ops, properties under construction/renovation, or properties that are not common to the area.
  • You must provide any documentation required by us in a timely manner and such documentation must be complete and accurate.
  • The delay in closing must be caused by UBS Bank USA. If the delay is attributable to you or the seller, then this offer does not apply.
  • This offer does not apply if you change loan products, loan amount or other terms as specified in your pre-approval letter.
  • This offer does not apply if the purchase and sale agreement is subsequently amended to specify an earlier closing date.

UBS Bank USA reserves the right to withdraw, terminate, or amend this offer at any time without notice, except for eligible purchase transactions submitted prior to our withdrawal, termination, or amendment.

UBS Mortgage rate assurance: Loans are eligible to be locked once the borrower(s) has/have been pre-approved. Rate lock is valid for 150 days from the lock date. If a full application is not submitted and the loan is not closed before the rate lock expiration, the rate reprices to the higher of the locked rate or current market rates.

Credit Lines are securities-backed loans provided by UBS Bank USA, an affiliate of UBS Financial Services Inc. (UBS-FS). Credit Lines are full recourse demand loans, are subject to credit approval, and are "margin loans" subject to collateral maintenance requirements (i.e., margin requirements). The lender can (i) demand repayment and/or (ii) change collateral maintenance requirements (i.e., margin requirements) at any time without notice. If the required collateral value is not maintained, the lender can require you to post additional collateral (commonly referred to as a “margin call”), repay part or all of your loan and/or sell your securities. Failure to promptly meet a margin call or repayment or other circumstances (e.g., a rapidly declining market) could cause the lender to liquidate some or all of the collateral supporting the Credit Lines to repay all or a portion of the outstanding Credit Lineor margin obligations. Any required liquidations may result in adverse tax consequences. You are personally responsible for repaying the Credit Line in full, regardless of the value of the collateral. Securities-backed financing involves special risks, is not suitable for everyone and may not be appropriate for your needs. For a full discussion of the risks associated with borrowing using securities as collateral, you should review the Loan Disclosure Statement that will be included in your application package.

Credit Lines are "non-purpose" loans and may not be used directly or indirectly to purchase, trade or carry securities or to repay debt (a) used to purchase, trade or carry securities or (b) to any affiliate of UBS Bank USA. Additional limitations and availability may vary by state. Prepayments of UBS Fixed Credit Lines will be subject to an administrative fee and may result in a prepayment fee.

UBS-FS and its Financial Advisors have a financial incentive to recommend the use of securities-backed loans (SBLs), rather than the sale of securities to meet cash needs. Our Financial Advisors receive compensation based on the outstanding balance on a SBL and the applicable interest rate spread for the SBL. In addition, UBS-FS receives servicing fees from certain lending affiliates based on the amount of outstanding loan balances to compensate us for referring clients and for administrative and operational support relating to the loans. The interest you pay for the loan is separate from and in addition to other fees you may pay related to the investments used to secure the loan, such as ongoing investment advisory fees (wrap fees) and fees for investments such as mutual funds and ETFs, for which UBS-FS and/or our affiliates receive administrative or management fees or other compensation. As such, we benefit if you draw down on your loan to meet liquidity needs rather than sell securities or other investments, which would reduce our compensation. When assets are liquidated pursuant to a house call or demand for repayment, UBS-FS and your Financial Advisor also will benefit if assets that do not have ongoing fees (such as securities in brokerage accounts), are liquidated prior to or instead of assets that provide additional fees or revenues to us (such as assets in an investment advisory account). Further, different types of securities have higher release rates than others, which can create a financial incentive for your Financial Advisor to recommend products or manage the account in order to maximize the amount of the loan. UBS-FS and its Financial Advisors and employees offer banking and lending products to clients through our affiliates and third-party banks in our capacity as a broker-dealer and not as an investment adviser.

UBS Bank USA, UBS-FS, their employees and affiliates do not provide legal or tax advice. You should contact your personal tax and/or legal advisors regarding their particular situations, including the legal and tax implications of borrowing using securities as collateral for a loan.

UBS Bank USA is a subsidiary of UBS AG. UBS Bank USA, Member FDIC, NMLS no. 947868. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

About UBS Financial Services Inc. products and services

The Resource Management Account (RMA) and Business Services Account BSA 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). Explanatory brochure is available upon request or at sipc.org. The RMA and Business Services Account BSA provide access to banking services and products through arrangements with affiliated banks and other third-party banks, and provides 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. and/or its Financial Advisors may receive compensation in connection with deposit products.

Investment, insurance and annuity products: Not FDIC insured • No bank guarantee • May lose value

As a firm providing wealth management services to clients, UBS Financial Services Inc. offers both investment advisory services and brokerage services, which are separate and distinct, differ in material ways and governed by different laws and separate contracts. For more information, visit our website at ubs.com/workingwithus.

© 2019 UBS. All rights reserved. The key symbol, UBS, Resource Management Account, RMA and Business Services Account BSA are among the registered and unregistered trademarks of UBS. VISA, VISA SIGNATURE and VISA INFINITE are registered trademarks owned by Visa International Service Association and used under license. All other trademarks are the property of their respective owners.

2019-207246 (IS1905202, EXP. 10/2020)