Banking & Cash Services

Raymond James Bank

Raymond James Bank, N.A.*, makes it possible for advisors – particularly those who are not affiliated with us as an advisor in a community bank or credit union – to offer clients banking services like first mortgages, home equity lines of credit, money market accounts, CDs, Internet banking and a variety of consumer loans. It’s an important competitive advantage when you consider the rapid change that’s taking place in today’s financial landscape. Raymond James Bank also partners with other institutions for corporate loan business, enabling its affiliates to go beyond traditional brokerage services by offering investment products and a comprehensive array of personal and commercial banking services.

*Raymond James Financial Services and Raymond James & Associates are affiliated with Raymond James Bank, N.A. Unless otherwise specified, products purchased from or held at Raymond James & Associates are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested. Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance may be required.

Cash Management

In addition to our banking services, Raymond James offers you and your clients a complete cash management solution, providing comprehensive spending tools such as checks, debit and credit cards, highly competitive rates of return, and daily sweeps to and from brokerage accounts. There are also premium features for your most valuable relationships, and a world-class client services team to assist both you and your clients.

Capital Access

Our Capital Access Cash Management Account offers an array of services to address your clients’ immediate and long-term cash needs quickly and efficiently. Linking to your clients’ Raymond James brokerage accounts, Capital Access allows you and them to keep – and track – all their financial information in one place. Capital Access opens the door to a host of privileges including:

  • Unlimited check writing
  • Competitive interest rates
  • Bill payment with automated payment functionality
  • Overdraft protection
  • Visa® Platinum debit card
  • Optional cash back at point of sale
  • Over 40,000 surcharge-free ATMs
  • Rewards program that offers cash back, travel, merchandise, events and more
  • Capability to combine debit and credit card rewards points
  • Easy-to-use tools to monitor your income and expenses
  • Ability to download to leading financial software programs
  • Personalized deposit tickets and postage-paid envelopes
  • Industry-leading fraud protection services
  • No minimum for opening or maintaining an account
  • World-class client service team, available 24/7

Give your clients access to what they need when they need it.
Learn about the Capital Access Account.

Raymond James Visa Signature® Credit Card

Another component of Raymond James cash management is the Visa Signature® credit card. Rounding out the full suite of cash management tools, the credit card helps strengthen your role as the primary resource for all your clients’ financial needs. Integrated through Capital Access, Investor Access and the Ready Access Margin Account, the card features a competitive rewards program offering up to 1.25% cash back to clients’ Capital Access accounts on net retail purchases, as well as the ability to enroll in an auto-pay program that automatically pays the card’s monthly balance from clients’ Capital Access account. These features – plus many more – will make it one of the most convenient and competitive credit cards available to your clients.

Convenient, competitive, rewarding – for your clients and you.
Discover the Raymond James Visa Signature® Credit Card.

Ready Access Account

The Ready Access Account can be combined with most of our investment accounts and provides a margin line of credit that allows your clients to borrow against the collateral of eligible securities at competitive interest rates. Cash is available on demand, usually within 24 hours.*

*The Ready Access Account is a margin account that is not suitable for all investors and has certain risks and restrictions. Margin accounts should be used prudently. Your clients should read the New Account Form and Client Account Agreement carefully before signing.