UBS Bank USA offers a wide range of competitive, flexible and strategic cash solutions, each designed to work together with your wealth management plans. We begin by understanding the role of cash and how it fits with your life’s goals and what you want to accomplish with your wealth. By focusing on what’s really important to you, together we can help you maintain your lifestyle and give you the confidence to fund short-term spending needs regardless of the markets.

You can choose from a wide range of liquidity strategies and benefit from a source of stable assets with competitive rates and the added security of FDIC insurance up to applicable limits.1 UBS Bank USA is an indirect wholly owned subsidiary of UBS Group AG and is well capitalized separately from UBS Financial Services Inc., providing you greater confidence.

Understanding the various purposes of your cash can help you make the most of it

Everyday cash

Everyday cash provides immediate access to funds and may be used for day-to-day purchases or expenses, including paying bills. You can have the available “cash” in your UBS Financial Services Inc. securities account(s) “swept” daily to bank deposit accounts held at UBS Bank USA (member FDIC). You’ll get access to cash management services, including online tools such as mobile check deposit as well as traditional cash transaction features, allowing you to easily manage both your everyday cash and investment needs–all in one place.

Savings cash

Grow your savings cash for large near-term expenses, unexpected life events or as an emergency fund. With no market or credit risk, UBS Bank USA Core Savings can help you keep your long-term investment strategy on track with the safety of FDIC insurance up to applicable limits while earning competitive yields.1,2,3 You’ll enjoy more flexibility than term deposits, with up to five free withdrawals per month. Additional withdrawals incur a $25 fee and may reduce earnings.

Investment cash

Generally speaking, investment cash is left untouched for a specified term to enjoy higher rates, which may carry additional market/credit risks and fees. Investment cash is typically used as part of your asset allocation and can include cash and cash alternatives, such as Certificates of Deposits or Money Market Funds.1

Find out how we can help make your cash work harder so you're better prepared for expected and unexpected expenses.


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About UBS Bank USA Products

About UBS Financial Services Inc. products