Client Account Fees and Charges

At Raymond James, part of our commitment to providing the professional guidance you need to meet your financial objectives is making it easy for you to understand what you may be charged for our services.

Certain fees may not apply or may be discounted based on the type of account you have and/or the amount of assets you hold in your Raymond James accounts. Other fees are only charged when the associated services are requested or when special processing is required. As a result, many fees listed below may not apply to your account.

If you have questions about fees, please contact your financial advisor.

Account fees

Annual maintenance feeUp to $50

Waived for clients with eligible assets totaling $100,000 or greater. This fee is not applicable to the following types of accounts:

  • Raymond James & Associates IRAs and qualified plan accounts
  • Capital Access cash management accounts
  • Raymond James Trust accounts
  • Fee-based managed and advisory accounts
  • 529 plan accounts
  • Guardianship and conservatorship accounts
  • Accounts open less than 12 months

Raymond James & Associates retirement account fees

Traditional, Roth, SEP or SIMPLE IRA feeUp to $50

Profit sharing, money purchase or 401(k) fee

  • Employee account$30
  • Employer account$75

Waived for clients with eligible assets totaling $500,000 or greater and for fee-based managed and advisory accounts. These fees apply to the above-listed retirement account types only.

Guardianship/Conservatorship account fees

  • Restricted annual fee$150
  • Non-restricted one-time set-up fee$75

Annual pledged account fees

  • For accounts with market value of $25,000 or above$75
  • For accounts with market value less than $25,000$150



Processing fees

  • Handling/processing fee$5.95
  • Returned deposit items (Check and ACH)$20
  • Extensions for payment or securities received after settlement date
    • First Extension$20
    • Second Extension$40
  • Mailgram$10
  • Foreign security processing$150
  • Re-registration of physical certificates$150
  • Physical certificate deposit rejects
  • Retirement account manual investment fees$150
  • Transfer fees
    • Transfer of an account from Raymond James $100
    • Transfer of a foreign security $50
  • Retirement account termination fee$100



Service fees

  • Certified or Cashier’s Check

    Waived for clients with eligible assets totaling $500,000 or greater.

  • Outgoing Wiring Funds
    • Domestic$25
    • Foreign$40
  • Early Payout of Money$25 plus interest
  • Check Disbursement
    • StandardNo charge
    • Overnight$20
    • Saturday$30
  • International Foreign Exchange Conversion
  • Short Sales



Capital Access account fees

Annual fees

The annual Capital Access fee is waived for clients with eligible assets totaling $500,000 or greater. Eligible assets of $250,000-$500,000 receive a $100 annual credit with a minimum $500 monthly direct deposit. The annual fee is assessed three months after the account is established and every anniversary thereafter.

  • Capital Access$100
  • Capital Access plus Rewards$150
  • Capital Access Premium plus Rewards$300

Service fees

  • Insufficient Funds$30
  • Returned Deposit$20

ATM surcharge fees

Clients with eligible assets totaling $500,000 or greater are reimbursed up to $200 in surcharge fees per year. Eligible assets of $250,000-$500,000 are reimbursed up to $100 in surcharge fees per year. Standard ATM fees will apply after reaching maximum reimbursement amount for the year.




Raymond James Bank fees

  • Raymond James Bank with check writingNo service charge

Choice rate checking account

  • Minimum Daily Balance to Avoid Service Charge$1,000
  • Average Daily Balance to Avoid Service Charge$1,500
  • Minimum Combined Balance in Any
    Raymond James Bank Deposit Account to Avoid Service Charge

    $5,000
  • Monthly Service Charge if Balance Not Maintained$10
  • Automatic Teller Machine (ATM)
    Usage After Monthly Allocated Free Usage

    $1.25
  • Bank Checks for Bank Clients$10
  • Bank Checks for Nonbank Clients$15
  • Deposit Items Returned Unpaid$10
  • Direct DepositNo charge
  • Nonsufficient Funds Item$30
  • Overdraft Protection Transfer$5
  • Process Transfer to Beneficiary(ies) Upon DeathUp to $200
  • Teledirect® Telephone BankingNo charge
  • Stop Payment$30
  • Uncollected Funds$30

Domestic wire transfer

  • Incoming$10
  • Outgoing$20

Foreign wire transfer

  • Incoming$35
  • Outgoing $50



Complimentary services

The following services are available to clients of Raymond James financial advisors for no additional charge.

  • Online account access through Investor Access (raymondjames.com/investoraccess)
    • Secure, paperless account documents
    • Downloads to Quicken® and CSV (comma-delimited) files
    • Award-winning investment research and commentary
  • Cost basis information (helpful at tax time)
  • TurboTax® data imports
  • Your choice of account statements
  • Your choice of cash sweep programs
  • Account linking (for mailing purposes and fee discounts)
  • ACH funds transfers
  • Direct deposit
  • Automated required minimum distributions
  • Transfer to beneficiary services
  • Dividend reinvestment