Banking Services

Wealth management is about more than just investments. It’s about what your wealth can accomplish so you can focus on the important things: your life, your family or your business.

Your UBS eligible account allows you to consolidate your investments and your everyday finances in one convenient place. You’ll have access to banking services from UBS Financial Services Inc., along with liquidity solutions from UBS Bank USA, to help you pursue your goals.

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.

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. You may wire funds into your account or set up direct deposit for recurring deposits.

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 details.

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.

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. Transfer assets from your outside investment accounts to UBS Financial Services Inc.⁴ Pay bills and manage your monthly invoices easily with our intuitive bill pay service.

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).

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

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.

⁴Only individual, Roth IRA, rollover IRA and traditional IRAs are eligible.

⁵Your eligibility for a particular sweep program is set forth in the Account Agreements and Disclosures which may be viewed at ubs.com/accountdisclosures. You can view current yields for the sweep option on ubs.com/sweepyields. Please discuss your options with your Financial Advisor.

About UBS Bank USA

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

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 (6^th) 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 banking 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. 

UBS Financial Services 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 2023. 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.

IS2307563, Exp.12/31/24