Cash Management Services

Your clients will appreciate having flexibility and choice when it comes to managing their daily finances. Raymond James offers a complete cash management solution, providing comprehensive spending tools such as checks, debit and credit cards, highly competitive rates of return, 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

Capital Access offers an array of services that address your clients’ immediate and long-term cash needs quickly and efficiently. It links to your clients’ Raymond James brokerage accounts so they can keep – and track – all their financial information in one place. With Capital Access, your clients can leave their old banking account behind.

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, and
• World-class client service team, available 24/7.

Capital Access is free for clients with household account relationships totaling $500,000 or more and is $100 per year for all other clients. Capital Access can also be linked to fee-based accounts when a fee relationship better suits the client.

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 the roles of Raymond James financial advisors as the primary resources clients turn to for all of their 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 a client’s Capital Access account 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 the 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.

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 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.

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