A smart way to earn more.

Benefit from a competitive yield with UBS Bank USA Core Savings

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There are many reasons to hold short-term cash—for expenses in the near term, unexpected life events or simply as an emergency fund. Now you, as our client, can earn more on that cash.

UBS Bank USA Core Savings can help you feel confident that your cash is earning interest at every opportunity. Your UBS Financial Advisor can also help you to optimize your cash while making sure that it’s working together with your investments toward your goals.

UBS Bank USA Core Savings is FDIC-insured (up to the applicable limits) with higher returns than a typical bank savings. View current yields.

The advantages of UBS Bank USA Core Savings:

Access 24/7

  • Access your UBS account information, including balance, interest and activity on UBS Online Services or the UBS Financial Services app — when it’s convenient for you.

Online transfers into and out of UBS Bank USA Core Savings*

  • Make an online deposit into UBS Bank USA Core Savings and start saving.* 

FDIC-insured

  • Balances are insured up to the applicable limits. (See below.)

Support from your trusted Financial Advisor

  • Your Financial Advisor can help you align your short-term liquidity strategy to meet your lifestyle needs today, while helping to grow your savings and plan for your long-term financial goals.

Features:

  • Minimum deposit of $100 or more.
  • Enjoy up to five (5) withdrawals from UBS Bank USA Core Savings each month. Thereafter, a $25 fee per withdrawal applies or liquidation of the entire UBS Bank USA Core Savings balance will apply, depending on your account type. Review the UBS Core Savings Disclosure Statement for additional details. (May reduce earnings). Simply call your Financial Advisor to withdraw.
  • UBS Bank USA Core Savings balance, interest and activity are available on UBS Online Services and your UBS account statement.
  • Deposits will earn interest at the prevailing UBS Bank USA Core Savings interest rates, which vary based on the total amount of eligible deposit balances in your UBS Marketing Relationship and are subject to change. View current yields.

Learn more about liquidity management and how you can benefit from investment, savings and everyday cash opportunities to help maintain your lifestyle, depending on your needs.

Make your short-term cash work harder

Speak to your Financial Advisor today to learn more about growing your savings by consolidating your cash at UBS.

Visit ubs.com/coresavings to view our current yields.

Find your UBS Financial Advisor

* Transfers to and from UBS Bank USA Core Savings are completed through a UBS Financial Services Inc. eligible account. Only non-advisory accounts can execute online UBS Core Savings deposits and withdrawals.

About UBS Bank USA

UBS Bank USA is a member of the Federal Deposit Insurance Corporation (FDIC). Funds on deposits at UBS Bank USA are eligible for deposit insurance from the Federal Deposit Insurance Corporation (FDIC) up to $250,000 (including principal and accrued interest) for each insurable capacity (e.g., single, joint, etc.) in which you hold the deposits. For purposes of FDIC insurance, your deposits will be aggregated with your other deposit balances held in the same insurable ownership capacity at UBS Bank USA, including any certificates of deposit, UBS Bank USA Core Savings deposits and deposits held through the UBS Bank Sweep Programs and the UBS FDIC Insured Deposit Program. You are responsible for monitoring the total amount of deposits at UBS Bank USA in order to determine the extent of FDIC deposits insurance coverage. FDIC deposit insurance only covers the failure of an insured bank.  UBS Financial Services Inc. is not an FDIC-insured bank. Certain conditions must be satisfied for deposit insurance coverage to pass through to clients’ funds placed by UBS Financial Services Inc. at FDIC-insured banks. For more information about FDIC insurance, please visit the FDIC website at fdic.gov/deposit/deposits. 

Please carefully review the UBS Bank USA Core Savings Disclosure Statement available at
ubs.com/coresavingsdisclosure. UBS Bank USA Core Savings deposits are made through an account at UBS Financial Services Inc., an affiliate of UBS Bank USA.  UBS Financial Services Inc., as your agent and custodian, will open a deposit account with UBS Bank USA. UBS Bank USA Core Savings is not available for certain financial institutions, advisory accounts and non-resident aliens. Please see the UBS Bank USA Core Savings Disclosure Statement for a full list of eligible accounts. Ask your Financial Advisor for more information.

UBS Bank USA Core Savings is not intended for clients who need to have frequent access to their funds. For non-advisory accounts, UBS Financial Services Inc. will charge you a fee of $25 for each withdrawal that you make from UBS Bank USA Core Savings in excess of five (5) withdrawals in a calendar month. For advisory accounts, if you make more than five (5) withdrawals in any calendar month, your entire UBS Bank USA Core Savings position  (principal plus accrued interest) will be liquidated at the sixth (6th) withdrawal and deposited in your advisory account.  Your funds will not be automatically re-deposited into UBS Bank USA Core Savings the following month.  If you would like to deposit into UBS Bank USA Core Savings again, you may instruct your Financial Advisor to transfer funds back into UBS Bank USA Core Savings.  For these purposes, a withdrawal will be considered to occur on the day on which the funds are actually withdrawn from UBS Bank USA Core Savings, which may not be the same day on which you place an order for the withdrawal with your Financial Advisor. Any applicable fees will be posted to your account at UBS Financial Services Inc. the business day following the excess withdrawal, and may reduce your earnings. You may incur a withdrawal fee or your position may be liquidated, as applicable, even if the withdrawal is involuntary such as if a withdrawal is made by UBS Financial Services Inc. to meet a margin call.

UBS Bank USA is a subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS no. 947868.

About UBS Financial Services Inc.

The Resource Management Account (RMA), Business Services Account BSA and International Resource Management Account (IRMA) are brokerage accounts with UBS Financial Services Inc., a registered broker-dealer, and 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. The RMA, Business Services Account BSA and IRMA provide access to banking services and products through arrangements with affiliated banks and other third-party banks, and provide access to insurance and annuity products issued by unaffiliated third-party insurance companies through insurance agency subsidiaries of UBS Financial Services Inc.

Investment, insurance, and annuity products: Not FDIC-insured • No bank guarantee • May lose value

This information is not provided based on your particular financial situations or needs and does not take into account individual investors' circumstances. You should not consider this information to be a “recommendation” by UBS or your UBS Financial Advisor.

UBS Financial Services Inc. is a subsidiary of UBS Group AG, Member FINRA. Member SIPC.

© 2023 UBS. The key symbol, UBS, RMA, Resource Management Account, Business Services Account BSA, International Resource Management Account and IRMA are among the registered and unregistered trademarks of UBS. All rights reserved.

IS2304629, EXP. 8/31/24