Raymond James Bank, member FDIC, provides a wide range of personal and commercial banking services to address the diverse needs of our clients. Raymond James Bank is a wholly owned subsidiary of Raymond James Financial, Inc. (NYSE-RJF).

Banking
From day-to-day services, like checking accounts and credit cards to CDs, savings and money market accounts, Raymond James Bank offers our clients a full array of personalized banking resources. Its many accounts and specialized services can be linked to our clients’ investment accounts for convenient and streamlined account management.


Mortgage Lending
Raymond James Bank’s interactive Mortgage Center is available for all your mortgage needs. It offers the latest rates and customized quotes, convenient online mortgage application, loan status updates, refinancing calculators and much more.


Trust Services
Working with the extensive resources and knowledgeable staff of Raymond James Trust N.A. enables us to offer our clients a full range of trust services to assist them in managing, preserving and transferring their wealth. Under its federal charter, Raymond James Trust N.A. may act as trustee, custodian, personal representative or agent to the trustee in a wide variety of trust and estate situations in all 50 states.

The staff of Raymond James Trust N.A. includes attorneys, CPAs and trust experts with extensive experience in administration and operations. Services include acting as trustee or as an agent or custodian for individual trustees, as well as managing living trusts, charitable remainder trusts, life insurance trusts, specialty trusts and IRA rollover trusts. Click here to learn more about Raymond James Trust.

Raymond James & Associates, Inc. is affiliated with Raymond James Bank, member FDIC, a federally chartered savings bank. Products, terms and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance may be required. Unless otherwise specified, products purchased from or held at affiliated Raymond James Financial, Inc. companies are not insured by the FDIC or any other government agency, 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.

  • The Cash Management Experience

    Leveraging cash management solutions can seamlessly bring your cash and brokerage accounts together in one, simplified location for a more complete picture of your finances. Working with our team, you’ll enjoy cash management solutions that are designed to help you easily and effectively manage both – your immediate and long-term cash needs.

    Diversification of investments does not guarantee a profit nor protect against loss. All funds held at Raymond James Bank and participating banks in the Bank Deposit Program are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, for each account ownership category. Additional information can be found at fdic.gov or by calling 877.ASK.FDIC (877.275.3342).

    Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank, member FDIC. Unless otherwise specified, products purchased from or held at affiliated Raymond James Financial, Inc., companies are not insured by the FDIC or any other government agency, 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. Bank priority lists can be found at raymondjames.com/RJBDP. Raymond James & Associates is 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). An explanatory brochure is available upon request or at sipc.org or by calling 202.371.8300. Raymond James has purchased excess-SIPC coverage through various syndicates of Lloyd’s, a London-based firm. Excess SIPC is fully protected by the Lloyd’s trust funds and Lloyd’s Central Fund. The additional protection currently provided has an aggregate firm limit of $750 million, including a sub-limit of $1.9 million per customer for cash above basic SIPC for the wrongful abstraction of customer funds. Account protection applies when a SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations. Raymond James Associates, Inc., and your Raymond James financial advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.

  • Smart Borrowing Options

    By incorporating lending solutions, we, together with our partners from Raymond James Bank, can help seamlessly meet your near-term needs without disrupting your long-term goals. We believe no investment strategy is complete without a liquidity plan, which affords you flexibility, spending power and confidence. Whether acting on an opportunity, growing your business, dealing with the unexpected, or leveraging debt to grow your assets, we can identify borrowing options that will help satisfy your lending needs and also complement your overall investment strategy.

    You can leverage lending solutions to help meet your financial needs in a holistic way.

    Offered through Raymond James Bank

    • Mortgage1
    • Securities Based Line of Credit (SBL)2
    • Structured Lending2

    Offered through Raymond James

    • Margin2 loans

    There are many options when it comes to borrowing, and Raymond James Bank dedicates regional banking consultants to help determine the right solution for your unique situation. We can connect with a banking consultant to get you started down the right path for applying for a loan or setting up a new account.

    1. Raymond James Associates, Inc., and your Raymond James Financial Advisor do not solicit or offer residential mortgage products and are unable to accept any residential mortgage loan applications or to offer or negotiate terms of any such loan. You will be referred to a qualified Raymond James Bank employee for your residential mortgage lending needs.

    The proceeds from a mortgage cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, an affiliate or Raymond James.

    Property insurance is required. Flood insurance is required if property is in a designated flood zone of ‘A’ or ‘V.’

    2. A line of credit backed by securities, such as a Securities Based Line of Credit, a structured line of credit or a Margin account, may not be suitable for all clients and investors. Borrowing on securities backed lending products or Margin accounts and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. An investor can lose more funds than he or she deposited in the account. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. Clients and investors may not be entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a Call. The firm can increase its maintenance requirements at any time and is not required to provide advance written notice. Clients and investors may not be entitled to an extension of time on Calls. The securities in the Pledged Account(s) may be sold to meet the Collateral Calls and the securities in a Margin account can be sold to meet Margin Calls; the firm can sell the client’s securities without contacting them. Increased interest rates could also affect LIBOR rates that apply to your line of credit causing the cost of the credit line to increase significantly. The interest rates charged on a line of credit are determined by (i) the market value of pledged assets and the net value of the client’s Capital Access account or (ii) the line of credit amount. The interest rates charged on Margin accounts are determined by the amount borrowed. Please visit sec.gov/investor/pubs/margin.htm for additional information.

    The proceeds from a Securities Based Line of Credit or a structured line of credit cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, an affiliate of Raymond James. Raymond James Bank does not accept RJF stock or any securities issued by affiliates of Raymond James Financial as pledged securities toward a line of credit. Lines of credit are provided by Raymond James Bank. Securities Based Line of Credit and structured line of credit provided by Raymond James Bank, N.A., Raymond James & Associates, Inc., and Raymond James Financial Services, Inc., are affiliated with Raymond James Bank, N.A., a federally chartered national bank.

    Products, terms, and conditions subject to change. Subject to standard credit criteria.

Opportunity knocks when you least expect it. We can help you find the right cash management, banking or lending option to achieve your financial objectives.

All funds held at participating banks in the Bank Deposit Program are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, for each account ownership category. Available cash in your Raymond James account is deposited into interest-bearing accounts at up to 12 banks. Raymond James will deposit up to $245,000 ($490,000 for joint accounts of two or more) in each bank on a predetermined bank priority List. Additional information can be found at fdic.gov or by calling 877.ASK.FDIC (877.275.3342).