The UBS Resource Management Account (RMA) allows you to consolidate your investments and banking in one convenient place. With full featured banking capabilities, the RMA is designed to help you manage both sides of your personal balance sheet and collaborate more effectively with your UBS Financial Advisor to implement a comprehensive wealth management strategy. Indeed, the UBS RMA is at the heart of our commitment to you: Advice. Beyond investing.
With UBS Online Services, you can log in securely to view your account information, including credit card, credit line and mortgage accounts. Plus, the UBS Mobile App helps you stay better connected to your finances and manage your money – wherever you are.
You have several convenient options available: Mobile Deposit Capture via the UBS Mobile App, EFT or Federal Funds Transfers by mail or in person at a UBS branch. Direct deposit saves time because you won't have to wait for the checks to clear and you won't have to worry about your checks getting lost or stolen, especially payroll checks, Social Security payments and other U.S. government checks.
You can get cash at banks and ATMs worldwide without finance charges or transaction fees using your UBS credit or debit card1 and receive an unlimited number of ATM fee rebates in the U.S. (up to $3 per transaction). You can also take advantage of unlimited checkwriting2 and our convenient bill pay service. Set up one-time or recurring online bill payments from your RMA or Business Service Account BSA, for any of your monthly or daily expenses.
Transfer funds easily and securely to and from other UBS accounts or financial institutions via Electronic Funds Transfer Service (EFT) or use Federal Funds Transfers for fast, secure distributions of larger sums of money.
Available cash balances in your account are automatically transferred, or "swept" into either interest-bearing deposit accounts or a money market mutual fund each business day, based on your account's eligibility.3 This way, your money can work harder for you.
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 account and as a result could affect other transactions dependent on cash, such as fee payment, investment purchases, online bill pay, debit card usage and outstanding checks. Please make sure that you have sufficient available funds in your UBS account to cover these items, as well as the CashConnect cash advance. Feature available only for cardholders with an RMA or Business Services Account BSA.
2Please note: If you have a Business Services Account BSA, UBS Financial Services Inc. reserves the right to charge a fee for excessive check writing.
3Your eligibility for a particular sweep program is set forth in the Account Agreements and Disclosures, which may be viewed at: ubs.com/us/en/wealth/misc/AccountDisclosures.html. You can view current yield for the sweep option at: ubs.com/us/en/wealth/misc/accountsweepyields.html. Please discuss your options with your Financial Advisor.
An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although each fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the funds.
An investor should consider the investment objectives, risks, and charges and expenses of a fund carefully before investing. A prospectus which contains this and other important information about a fund may be obtained from your Financial Advisor. Please read the prospectus carefully before investing.
The RMA, Business Services Account BSA and 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). Explanatory brochure is available upon request or at http://sipc.org. The RMA account provides access to banking 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 ● No bank guarantee ● May lose value
RMA, Resource Management Account, Business Services Account BSA, IRMA and International Resource Management Account are registered service marks of UBS Financial Services Inc. All references to the RMA also apply to the Business Services Account BSA.