Master the everyday

It’s easy with UBS cash management services

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Why move your cash to UBS? Because we make it easy to manage your money, pay bills and earn interest on your savings. Plus, when your cash and investments are at UBS, you can see how they work together.

The switch is easy

Move your cash to UBS now for competitive yields. You just need an eligible UBS Account.

More ways to enroll and fund your account

Prefer to enroll in UBS Online Services on your desktop or laptop? Visit ubs.com/onlineservices to set up your username and password*

Take advantage of all you can do

Questions? Connect with your UBS Financial Advisor.

* Only non-advisory accounts can execute online UBS Bank USA Core Savings deposits and withdrawals.

Important information

1 We are able to rebate ATM fees only in cases where the transaction fee surcharge is submitted to UBS by the ATM operator and/or network used. In the event that you do not receive a rebate for a fee that you believe is eligible, please call 800-762- 1000 or from outside the US call 201-352-5257 for assistance. ATM rebates are only available for cardholders who have their UBS card linked to a UBS Resource Management Account (RMA) or Business Services Account BSA. We do not reimburse international ATM fees.

2 An eligible account in the US is required to use Zelle®. Transactions between enrolled users typically occur in minutes. 

Zelle® should only be used with friends, family and others you trust. You can’t cancel a payment once it’s been sent, if the recipient is already enrolled with Zelle®. And, if you send money to someone you don’t know, you may not get your money back. 

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

3 The products and services described are provided by the firms mentioned herein (“Firms”) and not by UBS Bank USA or its affiliates (“UBS”). The Firms are not affiliated with UBS and UBS is not responsible for any Firm performance. UBS makes no representations or warranties with respect to any product or service offered by the Firms and UBS will have no input concerning such products and services. Additional terms and conditions may apply; see Firm for details.

4 Please note: If you have a Business Services Account BSA, UBS Financial Services Inc. reserves the right to charge a fee for excessive checkwriting.

5  Your eligibility for a particular sweep program is set forth in the Account Agreements and Disclosures, which may be viewed at ubs.com/accountdisclosures. Depending on the particular sweep program, the available cash balances in your securities account at UBS Financial Services Inc. (“UBS”) will be automatically deposited into deposit accounts at (i) UBS Bank USA, a Federal Deposit Insurance Corporation (“FDIC”) member bank that is affiliated with UBS or (ii) other participating banks whose deposits are FDIC insured. The current lists of banks participating in the UBS Insured Sweep Program and UBS FDIC-Insured Deposit Program are set forth in UBS Bank Priority Lists, which is available online at ubs.com/bankprioritylists(PDF, 183 KB). You can view the current yields for the sweep options at ubs.com/sweepyields. Please discuss your options with your Financial Advisor.

About UBS Bank USA

Securities-backed loans, credit cards, mortgages and deposit products are available from UBS Bank USA – Member, FDIC. NMLS no. 947868. UBS Bank USA is a subsidiary of UBS Group AG.

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(PDF, 225 KB). 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 credit cards are issued by UBS Bank USA with permission from Visa U.S.A. Inc. VISA, VISA SIGNATURE and VISA INFINITE are trademarks and registered trademarks of Visa International Service Association and used under license.

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 account provide access to cash management 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.

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

20240614-3643302 Exp. 06/14/2025