Banking

Empower your investments. Fast track your goals. Connect your wealth.

Your wealth. Your way.

Wealth is more than your investments. It’s the sum of your aspirations for your life, family and future. By adding banking services and solutions into the picture with your investments, you, as our client, can pursue goals with more confidence because you can see how all your financial activities work together.* It’s your wealth, your way.

  • Use the value of your eligible assets to secure personal liquidity or important business financing through securities-backed lending.**
  • Whether you're looking for a home to create a lifetime of memories or a strategic refinance as part of your financial plan, as a UBS client you have access to a suite of home financing solutions tailored to your unique needs.
  • Choose from a wide range of FDIC-insured (up to applicable limits) deposit options at UBS Bank USA and benefit from a potential source of stable assets with competitive rates, including UBS Bank USA Core Savings, UBS Bank USA Certificates of Deposit, and the UBS cash sweep programs, which sweeps the available cash balance from your eligible UBS Financial Services Inc. account into an interest-bearing account every business day.
  • Take advantage of a variety of cash management services  that give you access to funds as well as deposit and transfer capabilities, such as electronic funds transfer, check writing, direct deposit, mobile check deposit, Zelle®, bill pay, etc.
  • Make purchases securely, access flexible travel benefits, take advantage of personalized service, and earn valuable My Choice Rewards points or Cash Rewards with UBS credit cards.
  • Whether you're thinking about acquiring a multi-unit apartment building or refinancing a warehouse, our commercial real estate financing capabilities provide flexible lending options designed with you in mind – with an eye toward how lending may fit within your larger financial picture.
 

*Your eligible UBS accounts and the associated cash management services are offered by UBS Financial Services Inc. through affiliated third-party banks. Deposit and loan products are offered by UBS Bank USA. 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 Wealth Way is an approach incorporating Liquidity. Longevity. Legacy. strategies that UBS Financial Services Inc. and our Financial Advisors can use to assist clients in exploring and pursuing their wealth management needs and goals over different timeframes. This approach is not a promise or guarantee that wealth, or any financial results, can or will be achieved. All investments involve the risk of loss, including the risk of loss of the entire investment.

**Credit Lines are provided by UBS Bank USA, an affiliate of UBS Financial Services Inc., and are subject to credit approval.

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 Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

About UBS Bank USA

The proceeds of a UBS Bank USA mortgage loan cannot be deposited into a UBS Financial Services securities account, used to purchase, carry, or trade in securities, or to repay any debt to any affiliate of UBS Bank USA without prior approval. Purchase, rate/term refinance and cash out refinances are permitted. Certain rules and restrictions may apply for homestead properties located in Texas.

All residential mortgage products are only offered by UBS Bank USA, Member FDIC, NMLS No. 947868. NMLS Consumer Access available at https://nmlsconsumeraccess.org/. All loans are subject to underwriting, credit and property approval. Please note that not all mortgage products are available in all states, or for all loan amounts. Other restrictions and limitations may apply. UBS Bank USA currently offers residential mortgage loans within the 50 states of the United States of America and the District of Columbia.

UBS Financial Services Inc. and its employees (including Financial Advisors) do not take mortgage loan applications, do not offer mortgage loans and do not negotiate terms of mortgage loans.

UBS Financial Services Inc., 1200 Harbor Blvd., Weehawken, NJ 07086. Tel. no. 201-352-4054. NMLS No. 6737. Georgia Residential Mortgage Broker Registrant No. 18092. Massachusetts Mortgage Broker Lic. No. MB6737. New York Mortgage Broker Registration No. RMB 208541.

Important information about client expenses associated with a UBS Bank USA Commercial Real Estate (CRE) loan transaction: Potential expenses typically include, but are not limited to, the following: appraisal, engineering report, environmental report, seismic report, zoning report, insurance review, lien searches and lender legal fees. CRE Borrowers are personally responsible for paying the transaction costs incurred from a UBS Bank USA CRE loan.

Commercial real estate loans are made by UBS Bank USA – Member, FDIC – except commercial real estate loans intended for sale through a securitization.

Borrowing using securities as collateral involves special risks, is not suitable for everyone and may not be appropriate for your needs. All loans are subject to credit approval, margin requirements, and margin call and other risks; credit lines may be subject to breakage fees. For a full discussion of the risks associated with borrowing using securities as collateral, review the Loan Disclosure Statementincluded in your application package/account opening package. UBS Financial Services Inc. (UBS-FS) and its Financial Advisors have a financial incentive to recommend the use of securities backed loans, rather than the sale of securities to meet cash needs because we receive compensation related to the loan as well as the investments used to secure the loan. We benefit if you draw down on your loan to meet liquidity needs rather than sell securities or other investments, and have a financial incentive to recommend products or manage an account in order to maximize the amount of the loan. UBS-FS and its Financial Advisors and employees offer banking and lending products to clients through our affiliates and third-party banks in our capacity as a broker-dealer and not as an investment adviser.

UBS Bank USA, UBS-FS, their employees and affiliates do not provide legal or tax advice, and any information provided should not be construed as such. You should contact your personal tax and/or legal advisors regarding your particular situation, including the legal and tax implications of borrowing using securities as collateral for a loan. 

UBS Bank USA is a member of the Federal Deposit Insurance Corporation (FDIC). Funds on deposit at UBS Bank USA are insured by the FDIC up to the maximum limits allowed by law. You are responsible for monitoring the total amount of deposits at UBS Bank USA.

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 provides access to cash management services and products through arrangements with affiliated banks and other third-party banks, and provides 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 • Not a deposit • No bank guarantee • May lose value

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

Important information about brokerage and advisory services.

As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker dealer. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that you understand the ways in which we conduct business, and that you carefully read the agreements and disclosures that we provide to you about the products or services we offer. For more information, please review client relationship summary provided at ubs.com/relationshipsummary, or ask your UBS Financial Advisor for a copy. 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.

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 2024. The key symbol, UBS, RMA, Resource Management Account, Business Services Account BSA, IRMA, and International Resource Management Account are among the registered and unregistered trademarks of UBS. Other marks are trademarks of the respective owners. All rights reserved.

Expiration: 06/14/2025 Review Code: 20240614-3643384