What if your cash, investments and everyday finances were working together toward your bigger financial picture? At UBS, your short-term cash and long-term investments are connected in one place, with your dedicated UBS Financial Advisor providing you valuable advice to confidently pursue all of your financial goals.
Your UBS eligible account allows you to consolidate your investments and access your money in one convenient place.†
† The UBS Resource Management Account (RMA) and UBS Business Services Account BSA are offered by UBS Financial Services Inc. Cash management services associated with these accounts are provided by affiliated and third-party banks. Deposit and loan products are offered through UBS Bank.
Manage your accounts
UBS Online Services and the UBS Wealth Management app let you stay connected to your finances and manage your money, wherever you are. You can log in securely to view transactions, statements and UBS card activity.
Make deposits
Use the UBS Wealth Management app to deposit a check through Mobile Deposit Capture or fund an investment in a snap. You can also use funds transfer to deposit funds from your accounts at an external financial institution into your eligible UBS account or initiate a deposit into UBS Cash Reserve.1 Funds deposited into UBS Cash Reserve, CDs and UBS cash sweep programs are insured by the Federal Deposit Insurance Corporation (FDIC), up to applicable limits. (For more information on FDIC insurance see footnote 2.) You may wire funds into your account or set up direct deposit for recurring deposits.
Access funds
Access cash with your UBS debit card or use your UBS credit card to get cash at banks and ATMs worldwide without finance charges or cash advance fees provided you have sufficient funds available in your linked eligible UBS account.3 Plus, get an unlimited number of ATM fee rebates in the US (up to $10 per transaction).4 Rebates vary by card product. Visit ubs.com/uscards for more information on card benefits, rates and fees. UBS Visa debit and credit cards are offered by UBS Bank.
You can also take advantage of unlimited checkwriting and our convenient bill pay service.5 Set up one-time or recurring online bill payments from your eligible UBS account for any of your monthly or daily expenses.
Make transfers and payments
Transfer funds to and from your accounts at external financial institutions and between your UBS accounts. You can also make payments from your accounts by wiring the funds or using our checkwriting services. Pay bills and manage your monthly invoices easily with our intuitive bill pay service. You can also send and receive money with people you know and trust through Zelle®.6
Earn Interest
Available cash balances in your account are automatically transferred, or “swept,” into interest-bearing deposit accounts each business day, based on your account’s eligibility.7 This way, your money can work harder for you.
You also have access to UBS Cash Reserve. Earn competitive yields with FDIC insurance (up to applicable limits). For more information on FDIC insurance please see footnote 2.
Explore more solutions for you
“UBS Bank” is of UBS Bank USA, N.A. Member FDIC, NMLS no. 947868. UBS Bank is a subsidiary of UBS Group AG.
1 Only non-advisory accounts can execute online deposits into and withdrawals from UBS Cash Reserve.
2 About FDIC Insurance: UBS Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Funds on deposit 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 or joint) in which the deposit is held, provided that the requirements for deposit insurance have been met. 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 Bank Sweep Programs and the UBS FDIC-Insured Deposit Program or through sweep programs offered by third-party broker-dealers. FDIC deposit insurance only covers the failure of an insured bank. UBS Financial Services Inc. is not an FDIC-insured bank. Investors/You are responsible for monitoring the total amount of deposits at UBS Bank in order to determine the extent of FDIC deposit insurance coverage. For more information about FDIC insurance, please visit the FDIC website at fdic.gov/deposit/deposits.
3There must be sufficient funds to repay the cash advance that night or you will incur applicable cash advance fees and interest charges. The automatic transfers used to pay off your CashConnect cash advances will reduce the available funds in your UBS Resource Management Account (RMA) or Business Services Account BSA that is linked to your UBS Visa credit card and as a result could affect other transactions dependent on cash, such as fee payments, investment purchases, online bill pay, debit card usage and outstanding checks. Please make sure that you have sufficient available funds (up to your Withdrawal Limit) in your UBS Financial Services Inc. account linked to your UBS Visa credit card to cover these items, as well as the CashConnect cash advance. The CashConnect feature is available only for cardholders who have the UBS credit card connected to an RMA or Business Services Account BSA.
4We are able to rebate ATM fees only in cases where the transaction fee surcharge is submitted to UBS by the ATM operator and/or network used. In the event that you do not receive a rebate for a fee that you believe is eligible, please call 800-762-1000 or from outside the U.S. call 201-352-5257 for assistance. ATM rebates are only available for cardholders who have the UBS card linked to a UBS Resource Management Account (RMA) or Business Services Account BSA. We do not reimburse international ATM fees.
5Please note: If you have a Business Services Account BSA, UBS Financial Services Inc. reserves the right to charge a fee for excessive checkwriting.
6To send or receive money with Zelle®, both parties must have an eligible checking or savings account. UBS Financial Services Inc. maintains an arrangement with an unaffiliated bank to provide its clients with access to checking account services through their UBS Resource Management Account.
Zelle® should only be used with friends, family and others you trust. You can’t cancel a payment once it’s been sent, if the recipient is already enrolled with Zelle®. And, if you send money to someone you don’t know, you may not get your money back.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
7UBS Financial Services Inc. (“UBS FSI”) offers various cash sweep options. Your/Your client’s 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 protects funds that have been deposited at UBS Bank and the Program Banks, provided that the requirements for deposit insurance have been met. You are responsible for monitoring the total amount of deposits at each bank to determine the extent of FDIC deposit insurance coverage. FDIC deposit insurance only covers the failure of an insured bank. UBS FSI is not an FDIC insured bank. You can view the current yields for the sweep options at ubs.com/sweepyields. For more information about UBS cash sweep programs, please see UBS FDIC-Insured Deposit Program Disclosure Statement and UBS Bank Sweep Programs Disclosure Statement or contact your Financial Advisor.
About UBS Bank
VISA, VISA SIGNATURE and VISA INFINITE are issued by UBS Bank USA, N.A. with permission from Visa U.S.A. Inc.
About UBS Cash Reserve
UBS Cash Reserve deposits are made through an account at UBS Financial Services Inc. UBS Financial Services Inc., as clients’ agent and custodian, will open a deposit account with its affiliate bank, 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.
UBS Cash Reserve is not intended for clients who need to have frequent access to their funds. For non-advisory accounts, UBS Financial Services Inc. will charge you a fee of $25 for each withdrawal that you make from UBS Cash Reserve in excess of ten (10) withdrawals in a calendar month. For advisory accounts, if you make more than ten (10) withdrawals in any calendar 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 be automatically re-deposited into UBS Cash Reserve the following month. If you would like to deposit into UBS Cash Reserves again, you may instruct your Financial Advisor to transfer funds back into UBS Cash Reserve. For these purposes, 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
UBS Financial Services Inc. is a subsidiary of UBS Group AG. Member FINRA. Member SIPC.
This information is not provided based on your particular financial situation or needs and does not take into account individual investors' circumstances. You should not consider this information to be a “recommendation” by UBS or your UBS Financial Advisor.
© UBS 2025. 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. VISA, VISA SIGNATURE and VISA INFINITE are trademarks and registered trademarks of Visa International Service Association and used under license. All rights reserved.
2024-1567504 Review code: 20251015-4877265. Expiration: 10/15/2026.