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Wealth Management USA

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Digital experience for your wealth

Manage money your way. Transform your digital and online banking

Be ready for anything, anywhere

UBS makes it easy for you to stay on top of your entire financial life-and more connected with your Advisor. Whether you want to deposit funds, transfer money, check your progress or see your full financial picture, you’ll have seamless and secure access.

Get started

Step 1. Register for online access 

  1. Visit ubs.com/onlineservices and select, “Register for online access”.
  2. Complete registration, including PIN verification.
  3. Go green. Enroll in e-Delivery to get all statements and tax documents electronically.

Step 2. Download the UBS App

  1. Enroll in Online Services and download the mobile application for iPhone, iPad or Android devices by going to the app store.
  2. Log in using your UBS Online Services credentials and enable biometrics and push notifications.

Making your life easier

Make your mark with a digital signature 

Complete forms that require signatures digitally, quickly and securely, thanks to our service agreement with DocuSign, the industry leader in e-signature.

Cut the paper waste with document e-Delivery 

Sign up to have statements, confirmations and other important notices sent electronically.

Gain confidence with strong Account security

We protect your account through layered security that includes virus protection, secure socket layer (SSL) certification and suspicious activity detection. You can also restrict access to the app by requiring your fingerprint or facial recognition.

Stay in the know with push notifications

Provides an easy login process while using technology that keeps your online account secure.

Make transfers

Use Electronic Funds Transfer (EFT) to transfer funds between your UBS accounts and to and from your UBS accounts and your accounts at external financial institutions.

Make deposits in a snap

Deposit a check or fund an investment in a snap via our Mobile Deposit Capture service available on the UBS Wealth Management application Or, make deposits via EFT into your UBS brokerage account or into UBS Bank USA Core Savings (UBS Core Savings). Funds deposited into the UBS Core Savings, UBS Bank USA certificates of deposit and UBS cash sweep programs are FDIC insured, up to applicable limits. For more important information on FDIC insurance coverage, please see footnote 1.

Cash management

Master the everyday with our cash management services

Wealth is more than your investments. It’s the sum of your aspirations for your life, family and future. By adding cash management into the picture, you can pursue your goals with more confidence because you can see how all your money works together.* It’s your wealth, your way.

*UBS Resource Management Accounts 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.

Review accounts

Review accounts

Stay connected to your finances and manage your money, wherever you are with UBS Online Services and the UBS Wealth Management application Log in securely to view recent cash and credit activity, upcoming payments and transfers, and statements. Manage your accounts, including your credit card, credit line and mortgage.

Access cash

Access cash

  • Make deposits into your eligible UBS brokerage account via our mobile check deposit service on the UBS Wealth Management application Verify deposit status of the check and view images of checks deposited.
  • Set up instructions to electronically deposit recurring funds, such as payroll, Social Security and pension payments.
  • Provide wire instructions to the external financial institution to initiate incoming Federal Funds Transfers (wires) into your account
  • Make deposits into UBS Bank USA Core Savings (UBS Core Savings). Deposits are FDIC-insured (up to applicable limits)1 for more important information on FDIC insurance coverage, please see footnote 1.

Move money

Move money

  • Move funds between your accounts at UBS and your accounts at other financial institutions with our Electronic Funds Transfer (EFT) service. Make one-time or recurring payments and manage scheduled withdrawals or deposits.
  • Pay bills or make payments to a third party with ease and convenience–no writing or mailing a check. Set up one-time or recurring payments for credit cards, loans and other bills on OLS.
  • A great way for you to send, request or receive money with friends, family and other people you trust. Whether paying rent, gifting money or splitting the cost of a bill, Zelle® has you covered.2, 3
  • Unlimited complimentary check writing. Expense coding to help categorize payments.
  • Use your UBS Visa debit card or credit card to make purchases and access cash at banks and ATMs worldwide. 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 to learn more.

See why cash matters

See why cash matters

Talk to your UBS Financial Advisor about a cash management strategy for you that works with your overall wealth management strategy, including different ways to think about your cash.

  • Everyday cash is used for day-to-day purchases or expenses, including paying bills.
  • Savings cash is cash used to help meet near-term needs or for unexpected expenses.
  • Investment cash includes cash and cash alternatives such as term deposits, purchased Money Market Funds and short-term Treasuries.

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See the bigger picture

By using complimentary tools that give you a comprehensive view of your finances and analytics to help you invest, you can move forward with confidence and turn your possibilities into a plan.

See all your accounts in one place with My Total Picture

View and track balances in your various accounts—both inside and outside UBS—in one place to help you get a clearer picture of your overall wealth.

Review your Financial Goal Analysis (FGA)

If you worked with your UBS Financial Advisor to create an FGA, you can see it online so you can continually track your progress, explore your goals and more.

Visit ubs.com/onlineservices to leverage these features. If you don’t yet have access to your FGA on OLS, reach out to your Financial Advisor. 

Frequently asked questions

Get in touch

Together, we can help you pursue what’s important

Are you a client?

Become a UBS client

The My Total Picture service enables UBS to retrieve information about your non-UBS accounts (“Outside Accounts”) at your direction from the other financial institutions' websites. The service is provided for your convenience and information only. Unless we agree in writing otherwise, UBS does not provide advice or recommendations with respect to your Outside Accounts and is not responsible for activity or transactions you conduct in your Outside Accounts. UBS does not verify the holdings, valuations or other information we receive about your Outside Accounts. UBS Financial Services Inc.'s SIPC coverage and supplemental SIPC insurance only apply to eligible assets held by UBS Financial Services Inc.

The FGA report is based on various assumptions including financial information, personal preferences and other information provided by the client. The report details the assumptions upon which the plan is based. Important: The projections and other information generated by FGA regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

Use of the UBS Wealth Management app is subject to terms and conditions. Other restrictions may also apply. Certain products, functionalities and services described herein or contained or otherwise made available via these apps may not be available to all clients or in all jurisdictions.

These apps are available via iPhone and iPad only and are provided free of charge to clients of UBS. The information you include in these app are for your personal use only. UBS will use your responses to personalize your digital experience, but will not update client records unless you confirm the information with your Financial Advisor.

UBS account statements are the only official record of your UBS accounts. Information about external accounts you set up in My Total Picture is provided for your convenience and information only. UBS does not verify or reconcile the holdings, valuations or other information we receive about your external accounts or provide valuations of the assets or liabilities held in your external accounts. UBS Financial Services Inc.'s SIPC coverage and supplemental SIPC insurance only apply to eligible assets held by UBS Financial Services Inc. Unless we agree in writing otherwise,

UBS does not provide advice or recommendations with respect to your external accounts and is not responsible for activity or transactions you conduct in your external accounts.

UBS Financial Services Inc. is not a bank, and its securities accounts provide access to banking services and products through arrangements with affiliated banks and other third-party banks.

iPad, iPhone and and Apple Pay are registered trademarks of Apple Inc.

Android and Google Pay are trademarks of Google LLC.

Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

1 Funds on deposits at UBS Bank USA are eligible for deposit insurance from the Federal Deposit Insurance Corporation (“FDIC”) up to $250,000 (including principal and accrued interest) for each insurable capacity (e.g., single, joint, etc.) in which you hold the deposits. 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 certificates of deposit, UBS Bank USA Core Savings deposits and deposits held through the UBS Bank Sweep Programs and the UBS FDIC Insured Deposit Program. You are responsible for monitoring the total amount of deposits at UBS Bank USA in order to determine the extent of FDIC deposits 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. 

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

3 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.

4 We 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 US call 201-352-5257 for assistance. ATM rebates are only available for cardholders who have the UBS credit card linked to a RMA or Business Services Account BSA. We do not reimburse international ATM fees.

5 Interest begins to accrue on the day your deposit is credited to UBS Core Savings. Deposit and withdrawal orders must be submitted (and approved for deposits) before 12 p.m. ET on a business day in order to be credited on the same day. Deposit and withdrawal orders submitted after 12 p.m. ET on a business day or on a non-business day will be credited on the next business day. A business day is Monday to Friday, excluding New York Stock Exchange and federal holidays. 

For online deposits on UBS Online Services and the UBS Wealth Management application only: If you make a deposit from your UBS account before 12 p.m. ET on a business day, your funds will be credited on the same day, and you will begin accruing interest that day. If your deposit is submitted after 12 p.m. ET on a business day or on a non-business day, your funds will be credited on the next business day. For any deposits from an external account, your funds will be credited in UBS Core Savings typically in one business day if you submit your funds transfer request before 6 p.m. ET on a business day. If your request is submitted after 6 p.m. ET on a business day or on a non-business day, your funds will be credited on the second business day. 

6 Only non-advisory accounts can execute online UBS Core Savings deposits and withdrawals.

About UBS Bank USA products and services

UBS Bank USA is a member of the Federal Deposit Insurance Corporation (FDIC). 

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. UBS Bank USA Core Savings is not available for certain financial institutions, advisory accounts and non-resident aliens. 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. 

Excluding promotional offers, UBS Bank USA Core Savings has a multi-tier rate structure. Interest accrues daily and pays monthly. View rates at ubs.com/coresavings. Rates and rate tiers may change at any time without prior notice.

Securities-backed loans, mortgages and deposit products are available from UBS Bank USA – Member FDIC. NMLS no. 947868. UBS Bank USA is a subsidiary of UBS Group AG.

Borrowing using securities as collateral involves special risks, is not suitable for everyone and may not be appropriate for your needs. All loans are subject to credit approval, margin requirements, and margin call and other risks; credit lines may be subject to breakage fees. For a full discussion of the risks associated with borrowing using securities as collateral, review the Loan Disclosure Statement(PDF, 111 KB) included in your application package/account opening package. 

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). An explanatory brochure is available upon request or at sipc.org. The RMA and Business Services Account BSA accounts provide access to cash management 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.

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

Important information about brokerage and advisory services.
As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker-dealer. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that you understand the ways in which we conduct business and that you carefully read the agreements and disclosures that we provide about the products or services we offer. For more information, please review client relationship summary provided at ubs.com/relationshipsummary(PDF, 166 KB).

2026 UBS. All rights reserved. The key symbol and UBS are among the registered and unregistered trademarks of UBS. 

2024-1518757

Expiration: 9/6/2025 Review Code: 3841051 Review Code: IS2402207