Cash Management Services

Your clients will appreciate having full choice when it comes to cash management. When you affiliate with Raymond James, you will have access to alternatives featuring highly competitive rates of return, daily sweeps to and from brokerage accounts, check writing and more.

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 and move up to Capital Access.

Capital Access opens the door to a host of privileges including:

• Unlimited check writing,
• Competitive interest rates,
• Enhanced online bill payment with automated payment functionality,
• Overdraft protection,
• Visa® Platinum debit card,
• Optional cash back at point of sale,
• Over 30,000 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.

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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