Your money, your way

Manage your cash, savings and investments all in one place

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.†

† UBS Resource Management Accounts (RMA) and UBS Business Services Account BSAs 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 by UBS Bank USA.

Manage your accounts

UBS Online Services and the UBS Financial Services app lets 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 Financial Services 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 Bank USA Core Savings.* Funds deposited into UBS Bank USA Core Savings, 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 ** below.) 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.1 Plus, get an unlimited number of ATM fee rebates in the US (up to $10 per transaction).2 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 USA.

You can also take advantage of unlimited checkwriting and our convenient bill pay service.3 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®4.

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.5 This way, your money can work harder for you.

You also have access to UBS Bank USA Core Savings. Earn competitive yields with FDIC insurance (up to applicable limits). For more information on FDIC insurance please see footnote **. 

Explore more solutions for you

† UBS Resource Management Accounts (RMA) and UBS Business Services Account BSAs 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 by UBS Bank USA.

* Only non-advisory accounts can execute online deposits into and withdrawals from UBS Bank USA Core Savings.

** About UBS Bank USA

UBS Bank USA is a member of the Federal Deposit Insurance Corporation (FDIC). Funds on deposit at UBS Bank USA 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 USA, including any UBS Bank USA issued certificates of deposit you own, UBS Bank USA Core Savings deposits and deposits placed at UBS Bank USA 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 USA in order to determine the extent of FDIC deposit insurance coverage. For more information about FDIC insurance, please visit the FDIC website at HYPERLINK "https://www.fdic.gov/deposit/deposits/"fdic.gov/deposit/deposits.

Important information

1There 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 in your UBS 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 Visa credit card linked to an RMA or Business Services Account BSA.

2We 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.

3Please note: If you have a Business Services Account BSA, UBS Financial Services Inc. reserves the right to charge a fee for excessive checkwriting.

4Eligible U.S. bank, credit union or brokerage account required to use Zelle®. Transactions between enrolled users typically occur in minutes. 

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.

5UBS 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 USA (“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. 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.

Please carefully review the UBS Bank USA Core Savings Disclosure Statement available at ubs.com/coresavingsdisclosure. UBS Bank USA Core Savings deposits are made through an account at UBS Financial Services Inc., an affiliate of UBS Bank USA. UBS Financial Services Inc., as your agent and custodian, will open a deposit account with UBS Bank USA. Certain advisory accounts, non-resident aliens and financial institutions are not eligible for UBS Bank USA Core Savings. Please see the UBS Bank USA Core Savings Disclosure Statement for a full list of eligible accounts. Ask your Financial Advisor for more information.

UBS Bank USA Core Savings 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 Bank USA Core Savings in excess of five (5) withdrawals in a calendar month. For advisory accounts, if you make more than five (5) withdrawals in any calendar month, your entire UBS Bank USA Core Savings position (principal plus accrued interest) will be liquidated at the sixth (6th) withdrawal and deposited in your advisory account. Your funds will not be automatically re-deposited into UBS Bank USA Core Savings the following month. If you would like to deposit into UBS Bank USA Core Savings again, you may instruct your Financial Advisor to transfer funds back into UBS Bank USA Core Savings. For these purposes, a withdrawal will be considered to occur on the day on which the funds are actually withdrawn from UBS Bank USA Core Savings, 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.

VISA, VISA SIGNATURE and VISA INFINITE are issued by UBS Bank USA with permission from Visa U.S.A. Inc.

UBS Bank USA is a subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS no. 947868.

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. The RMA, Business Services Account BSA and IRMA provide access to cash management services and products 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. 

Investment, insurance and annuity products: Not FDIC insured ● 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 situations 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 2024. 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 Exp: 7/31/25 Review code: 3753821