Capital Access

Access to … what you need, when you need it

Provided by Raymond James and your financial advisor to simplify and enhance your financial life, Capital Access offers an array of services that address both your immediate and long-term cash needs quickly and efficiently.

Capital Access makes dealing with the daily demands on your finances easy. It links to your Raymond James brokerage accounts so you can keep – and track – all your financial information in one place.

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
  • Easy-to-use tools to monitor your income and expenses
  • Ability to download to leading financial software programs
  • Industry-leading fraud protection services
  • No minimum for opening or maintaining an account
  • World-class client service team, available 24/7

Access to … your money and more

The Capital Access Visa Platinum debit card

With the Capital Access Visa Platinum debit card, you can shop almost anywhere without the need to carry cash or remember your checkbook. You can also get cash from your account when you make a purchase at participating retail locations.

With Capital Access, you never have to worry about unauthorized usage. Our premier fraud-protection service safeguards your debit card 24 hours a day, every day. We watch for unauthorized account activity so you don’t have to, and we manage any fraud-related issues you may encounter. Our dedicated fraud protection team monitors your transactions in real time.

Check writing and online bill payment

Leave your old banking account behind and move up to Capital Access, where unlimited check writing, free standard checks, ATM access and secure online bill payment options are standard. Choose automatic bill payment and never get hit with interest charges or worry about due dates again.

Capital Access offers the benefits you deserve and the convenience you want – for all aspects of your financial life – while paying one of the industry’s most competitive interest rates on your short-term funds.

Personal loans and overdraft protection

Your Ready Access personal line of credit1 provides flexible, easy access to your securities should you need cash quickly or overdraft protection through a margin loan. Talk to your financial advisor to see if a Ready Access margin account is right for you.

Tools that help you with budgeting and tax preparation

Detailed monthly and annual summary statements

Invaluable for ongoing budgeting as well as for tax planning, comprehensive annual and monthly account statements from Capital Access summarize all your portfolio holdings and financial activity.

Your statement includes deposits, checking activity, debit transactions and electronic deposits/payments, which are detailed separately and in chronological order for easy reference. You also have the ability to assign personalized spending codes to your transactions – so you always know exactly how you’re spending your money.

Account information at your fingertips

Raymond James Client Access provides your account information online anytime. Or, if you prefer, just pick up the phone and call our toll-free client service hotline 24 hours a day, 7 days a week to speak with our customer support staff trained specifically to handle your Capital Access questions.

Maximize your savings

Uninvested money is swept daily into an interest-bearing account, so each dollar in the account is put to work promptly for your benefit. 2

Dividends can be reinvested at no additional charge for the securities held in street name in your Capital Access account. When your dividend payments are reinvested, they will earn future dividends, allowing for potential portfolio growth through compounded earnings.

Annual Fees
Market value of client relationship Capital Access Fee

Up to $500,000


Over $500,000


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 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 an SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations.

1 Ready Access is a margin account and may not be suitable for all investors. Borrowing on margin and using securities as collateral may involve a high degree of risk and may not be appropriate for all investors. Market conditions can magnify any potential for loss. If the market turns against the investor, he or she may be required to deposit additional securities and/or cash in the account. The securities in the account may be sold to meet the margin call, and the firm can sell the investor’s securities without contacting them. The interest rates charged are determined by the amount borrowed.

2 Please note there may be holds placed on check deposits.