Make every vision a reality

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

Your wealth is more than your investments. It’s the sum of your aspirations for your life, family and future. By bringing together your investments and cash management services from UBS Financial Services Inc. with banking solutions offered by UBS Bank USA, you can pursue your goals with more confidence, clarity and control when you see how all your financial activities are connected and impact the bigger picture. More savings, smarter financing and convenient cash management—solutions customized just for you. It's your wealth, your way.

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What we offer

Cash management services

Mastering the everyday

Whether you have a UBS Resource Management Account (RMA) or UBS Business Services Account BSA, our cash management services can help you gain a more complete view of your financial picture.

From the ease of paying bills online and transferring funds between accounts to the convenience of direct deposit and mobile check deposits, you can take advantage of a suite of services that simplify your life, all while ensuring your actions today are in service of your aspirations tomorrow.

More about cash management services

Flexible deposit solutions

Smart ways to earn more

It’s always wise to keep cash on hand for expected and unexpected expenses. It’s even smarter to consolidate your cash and your investments in one place while putting your cash to work so it can generate even more.

By choosing to bring your assets together at UBS, you benefit from a firm that’s strong and secure, so you can feel the same way. And at UBS Bank USA, we have a variety of ways to help your cash earn more while you take advantage of “less”—less paperwork, less to keep track of, less tax reporting—thanks to the simplicity and convenience of one statement and one relationship.

Everyday cash

From day-to-day expenses to recurring bill payments, you can keep cash at the ready—while making sure it earns its keep. Available cash balances in the RMA or Business Services Account BSA are automatically “swept” into deposit accounts at UBS Bank USA. Unlike a standard checking account, your cash will earn an enhanced yield along with the safety of FDIC insurance (up to applicable limits). Choose from a wide range of liquidity strategies and benefit from a source of stable assets with competitive rates and the added security of FDIC insurance up to applicable limits.

Savings cash

If you want a higher yield, but with the convenience and flexibility to meet near-term needs or unexpected expenses, UBS Bank USA Core Savings can grow your cash without market or credit risk. Your long-term investment strategy remains on track while you enjoy the safety of FDIC insurance (up to applicable limits1) and earn competitive yields. You’ll also enjoy more flexibility than term deposits, with up to five free withdrawals per month. Additional withdrawals incur a $25 fee and may reduce earnings.

See current yields

Investment cash

Want your cash to focus solely on growing for the long-term? Set an amount aside for a specific period of time to earn higher rates, which may carry additional market and credit risk and fees. Use this as part of your asset allocation and include cash and cash alternatives, such as Certificates of Deposits, purchased Money Market Funds and short-term Treasuries.

More about deposit options

Strategic borrowing

Liquidity with flexibility

When it comes to borrowing, taking advantage of an opportunity today shouldn’t compromise your vision for tomorrow. We have smart ways to turn existing assets into funding answers that help you meet your goals on your terms.

UBS Bank USA Premier Credit Line

With a UBS Bank USA Premier Credit Line, you can leverage the borrowing power of your eligible UBS securities to fund anything from expanding your business to enlarging your home to increasing your art collection. Business or personal, luxury or necessity, expected or unexpected, this is about providing yourself with robust financial flexibility.

More about strategic borrowing

UBS credit & debit cards

Powerful tools to power everyday goals

UBS Visa credit cards

UBS Bank USA offers five credit cards designed to enhance and empower the way you live and work:

  • The UBS Visa Infinite card provides access to elite travel privileges, accelerated rewards earning and enhanced protection benefits.1
  • The UBS Visa Signature card offers UBS Concierge access and flexible rewards.2
  • The UBS Cash Rewards Visa Business card offers 2% back on the first $100,000 and 1% thereaer in eligible purchases each year.
  • All cards come with a variety of convenient features, including ATM fee rebates, text and e-mail alerts and zero liability for unauthorized purchases.3
  • All business cards offer expense reporting and controls, as well as up to 24 additional cards at no additional cost.

UBS Visa debit card

The UBS Visa debit card gives you direct access to the funds in the UBS Resource Management Account (RMA) or Business Services Account BSA. You’ll be able to access cash at banks and ATMs worldwide while getting an unlimited number of ATM fee rebates on cash withdrawals in the US (up to $5 per transaction).* Even better, you’ll also have an easy way to pay one-time and recurring monthly bills.

More about UBS credit and debit cards

Residential Mortgage & Commercial Financing

Financing that puts you first

In a competitive environment, what separates one lending solution from another is the client service surrounding it. With UBS Bank USA, you can count on a process that feels like far less of one from start to finish—whether you’re looking to finance a personal property or commercial real estate.

Custom mortgage experience

Whether it’s your first home, the place where you’ll grow your family and make a lifetime of memories, a vacation home or a strategic refinance as part of your financial plan, a mortgage is likely one of the most significant financial transactions in your life. With a UBS Bank USA Mortgage, our goal is to help ensure a smoother journey—from start to finish.

  • Personalized service
    From the moment you apply for a mortgage, a Private Mortgage Banker will act as your single point of contact and guide you every step of the way. From clear communication to delivering on every detail, you’ll receive white glove treatment.
  • Tailored solutions
    With a broad range of flexible solutions, combined with your UBS Financial Advisor’s knowledge of your full financial picture, your Private Mortgage Banker can recommend a mortgage with a focus on meeting your goals—and exceeding your expectations.
  • Simplified process
    Simplicity means fewer demands on your time. With our online application options and e-signature technology that lets you sign and return your application within minutes, we do our best to help create a simpler experience.
More about UBS Bank USA Residential Mortgage Services

End-to-end commercial lending experience

Turning your property into the next landmark? Thinking of financing a multi-unit apartment complex? Whatever the vision, UBS Bank USA can help bring it to fruition with personalized service and flexible lending options that cover small balance, large balance and interim financing for near-stabilized properties. We focus on delivering a lending strategy that meets your needs while complementing your full financial picture—to help ensure your real estate assets are built on a solid foundation.

  • Integrated strategy
    We work side-by-side with your UBS Financial Advisor to make sure your lending solution works hand-in-hand with your overall wealth management blueprint.
  • Bespoke financing
    From loan parameters to leverage options to pricing, we’ll structure a solution that meets your objectives—and your timetable.
  • Knowledgeable team
    You'll benefit from the support of a specialized team well—versed in the ins and outs of commercial lending from your initial conversation to closing, and every step in between.
More about UBS commercial lending

Latest insights

1Benefits are subject to change and cancellation at any time. Certain conditions, limitations and exclusions apply. For more information on benefits, see ubs.com/uscards.

2 Cardholders are responsible for the cost of any goods or services purchased through the UBS Concierge.

3 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 the UBS cards linked to a UBS RMA or UBS Business Services Account BSA. We do not reimburse international ATM fees.

About UBS Bank USA products and services

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 AG. UBS Bank USA, Member FDIC. NMLS no. 947868

About UBS Bank USA Core Savings

Please review carefully the UBS Core Savings disclosure statement available at ubs.com/coresavingsdisclosure. Deposits in UBS Bank USA Core Savings, together with all other deposits at UBS Bank USA, are insured by the FDIC, an independent agency of the US government, up to a maximum of $250,000 (including principal and accrued interest) for all deposits held in the same insurable capacity (e.g., individual account, joint account, IRA, etc.). For the purposes of FDIC insurance, your UBS Core Savings deposits are aggregated with your other deposit balances at UBS Bank USA in the same ownership capacity, including any Certificates of Deposits, and deposits through the UBS Bank Sweep Programs and UBS FDIC Insured Deposit Program. Investors are responsible for monitoring the total amount of deposits at UBS Bank USA in order to determine the extent of FDIC deposit insurance coverage. For more information about FDIC insurance, please visit the FDIC website at fdic.gov/deposit/deposits.

UBS Bank USA Core Savings are made through an account at UBS Financial Services Inc. UBS Financial Services Inc., as your agent and custodian, will open a deposit account with UBS Bank USA, Member FDIC, if you do not already have a deposit account at UBS Bank USA. UBS Core Savings is not available for certain financial institutions, advisory accounts and non-resident clients. Ask your Financial Advisor for more information. Standard UBS account fees apply.

UBS Bank USA Core Savings (UBS Core Savings) is not intended for clients who need to have frequent access to their funds. UBS Financial Services Inc. will charge you a fee of $25 for each withdrawal that you make from UBS Core Savings in excess of five (5) withdrawals in a calendar month. Applicable fees may reduce your earnings. For these purposes, a withdrawal will be considered to occur on the day on which the funds are actually withdrawn from UBS Core Savings, which may not be the same day on which you place an order for the withdrawal with your Financial Advisor. These fees will be posted to your UBS Financial Services Inc. account the business day following the excess withdrawal. You may incur a withdrawal fee even if the withdrawal is involuntary such as if a withdrawal is made by UBS to meet a margin call.

Conflicts of interest

 UBS Bank USA uses the cash balances in deposit accounts to fund new lending and investment activity. The bank profits by the difference between the interest paid to clients and the costs associated with deposits, and the interest and other income earned by the bank on its loans, investments and other assets. The bank improves profits when it pays lower interest rates on deposits. You should be aware that alternative cash equivalent investments that are managed by UBS affiliates or by third parties, or that are otherwise available on the UBS platform (such as US Treasury securities), are also available for investment by clients. At times, these alternatives pay a higher yield than the interest rates paid on UBS Core Savings. Such alternative investments may not be insured by the FDIC or protected by SIPC.

About UBS Bank USA credit cards

UBS Visa Infinite credit cards, UBS Visa Signature credit cards, UBS Visa Infinite Business cards, UBS Visa Signature Business cards, UBS Cash Rewards Visa Business cards, and UBS Visa debit 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.

The phone number for UBS Bank USA is 800-762-1000. New York residents may contact the New York State Department of Financial Services  by telephone or visit its website for free information on comparative credit card rates, fees and grace periods at 800-342-3736 or dfs.ny.gov.

About UBS Bank USA credit lines

Credit Lines are securities backed loans provided by UBS Bank USA, an affiliate of UBS Financial Services Inc. (UBS-FS). Credit Lines are full recourse demand loans, are subject to credit approval—and are "margin loans" subject to collateral maintenance requirements (i.e., margin requirements). The lender can (i) demand repayment and/or (ii) change collateral maintenance requirements (i.e., margin requirements) at any time without notice. If the required collateral value is not maintained, the lender can require you to post additional collateral (commonly referred to as a “margin call”), repay part or all of your loan and/or sell your securities. Failure to promptly meet a margin call or repayment or other circumstances (e.g., a rapidly declining market) could cause the lender to liquidate some or all of the collateral supporting the Credit Lines to repay all or a portion of the outstanding Credit Line or margin obligations. Any required liquidations may result in adverse tax consequences. You are personally responsible for repaying the Credit Line in full, regardless of the value of the collateral. Securities backed financing involves special risks, is not suitable for everyone and may not be appropriate for your needs. For a full discussion of the risks associated with borrowing using securities as collateral, you should review the Loan Disclosure Statement that will be included in your application package.


Credit Lines are either non-purpose or purpose loans. Non-purpose loans may not be used directly or indirectly to purchase, trade or carry securities or to repay debt used to purchase, trade or carry securities and may be used for other liquidity needs such as personal expenses, real estate transactions or other needs. Purpose loans may be used to purchase, trade or carry securities or may be used for other liquidity needs such as personal expenses, real estate transactions or other needs. Please review your loan agreement to make sure you understand which type of loan you have and that you ensure you are in compliance with its terms. Credit Lines may not be used to repay debt to any affiliate of UBS Bank USA. Additional limitations and availability may vary by state. Prepayments of UBS Fixed Credit Lines will be subject to an administrative fee and may result in a prepayment fee.

UBS-FS and its Financial Advisors have a financial incentive to recommend the use of securities backed loans (SBLs), rather than the sale of securities to meet cash or other liquidity needs. Our Financial Advisors receive compensation based on the outstanding balance on a non-purpose SBL and the applicable interest rate spread for the SBL. Financial Advisors do receive credit for the amounts of the purpose loan drawn for purposes of bonuses, awards and club status. In addition, UBS-FS receives servicing fees from certain lending affiliates based on the amount of outstanding loan balances to compensate us for referring clients and for administrative and operational support relating to the loans. The interest you pay for the loan is separate from and in addition to other fees you may pay related to the investments used to secure the loan, such as ongoing investment advisory fees (wrap fees) and fees for investments such as mutual funds and ETFs, for which UBS-FS and/or our affiliates receive administrative or management fees or other compensation. As such, we benefit if you draw down on your loan to meet liquidity needs rather than sell securities or other investments, which would reduce our compensation. When assets are liquidated pursuant to a house call or demand for repayment, UBS-FS and your Financial Advisor also will benefit if assets that do not have ongoing fees (such as securities in brokerage accounts), are liquidated prior to or instead of assets that provide additional fees or revenues to us (such as assets in an investment advisory account). Further, different types of securities have higher release rates than others, which can create a financial incentive for your Financial Advisor to recommend products or manage the 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. You should contact your personal tax and/or legal advisors regarding their particular situations, including the legal and tax implications of borrowing using securities as collateral for a loan.

About UBS Bank USA Mortgage

All residential mortgage products are only offered by UBS Bank USA, Member FDIC, NMLS No. 947868. 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., 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. Registered Mortgage Broker – NYS Dept. of Financial Services.

UBS Private Mortgage Bankers and Wealth Management Bankers are employees of UBS Bank USA and are individually registered in the Nationwide Multistate Licensing System & Registry (NMLS). UBS Financial Advisors are employees of UBS Financial Services Inc.

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

About UBS Bank USA Commercial Real Estate Financing

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. You are personally responsible for paying the transaction costs incurred from a UBS Bank USA CRE loan.

All loans originated by UBS Bank USA, Member-FDIC

About UBS Financial Services Inc. products and services

The RMA, Business Services Account BSA and 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). Explanatory brochure is available upon request or at sipc.org. The RMA account provides access to banking 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. UBS Financial Services Inc. and/or its Financial Advisors may receive compensation in connection with deposit products.

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

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

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 clients understand the ways in which we conduct business, that they carefully read the agreements and disclosures that we provide to them about the products or services we offer. A small number of our financial advisors are not permitted to offer advisory services to you and can only work with you directly as UBS broker-dealer representatives. Your financial advisor will let you know if this is the case and, if you desire advisory services, will be happy to refer you to another financial advisor who can help you. Our agreements and disclosures will inform you about whether we and our financial advisors are acting in our capacity as an investment adviser or broker-dealer. For more information, please review the PDF document at ubs.com/relationshipsummary

© UBS 2021. 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.