Your wealth, better connected

Discover how investing, cash management and financing can work together for you

Your wealth. Your way.

You have a vision for what you want to accomplish. But are your investments, cash management, deposits and liquidity strategies working together to help pursue your goals?

A customized approach, with a focus on what matters most to you, can help you realize your vision when your investments and cash management resources from UBS Financial Services Inc. and liquidity solutions from UBS Bank USA work together to help you meet your goals. As a UBS client you can access your accounts anytime, and from anywhere, safely and securely through UBS Online Services or the UBS Financial Services app to help you stay informed and connected.

Your Financial Advisor can help you take advantage of  a wide range of financial services to complement your overall wealth management strategy, so your money works where you need it.

We are here for you

If you are experiencing financial hardship as a result of the COVID-19 pandemic and need assistance, please contact our servicing teams for support:

  • UBS Visa Signature or UBS Infinite credit card holders should call the UBS Service Group at +1-800-RMA 1000 (+1-800-762 1000), Option 4.
  • UBS Bank USA Mortgage clients should call the UBS Bank USA Mortgage servicing team at +1-800-936 0917 for loan numbers beginning with 7 or +1-866-843 2512 for loan numbers beginning with 001 through 019.
  • For all other inquiries related to loan products at UBS Financial Services, Inc., or if you are a client of UBS Financial Services Incorporated of Puerto Rico and would like to discuss your lending products, please contact your Financial Advisor.
  • Use the value of your eligible assets to secure important personal or business financing through securities backed lending
  • Purchase your dream home or private getaway with an affordable residential mortgage that is tailored to your unique needs
  • Choose from a wide range of liquidity options and benefit from a potential source of stable assets with competitive rates and the added security of FDIC insurance (up to applicable limits) through a variety of UBS Bank USA products, including UBS Bank USA Core Savings, UBS Bank USA Certificates of Deposit, and cash "swept" into the bank from your UBS Financial Services Inc. brokerage account.
  • Take advantage of a variety of cash management services that will give you access to funds as well as deposit and transfer capabilities, including, electronic funds transfer, check writing, direct deposit, Mobile Deposit Capture service, bill pay and other services
  • Make purchases securely, access flexible travel benefits, take advantage of personalized service, and earn valuable My Choice Rewards points when using UBS credit cards, if applicable.
  • Whether you're thinking about acquiring a multiunit apartment building or refinancing a warehouse, our commercial real estate finance team provides you flexible lending options based on your individual needs – with an eye toward how lending may fit within your larger financial picture.  

Connect liquidity and cash management options to your financial plan.

About UBS Bank USA products

The proceeds of a UBS Bank USA mortgage loan cannot be deposited into a UBS securities account, used to purchase, carry or trade in securities, or to repay any debt to any affiliate of UBS Bank USA. Purchase, rate/term refinance and cash-out refinance are permitted with the exception of cash-out refinance in the state of Texas.

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 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.

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 Statement included 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. 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. 

UBS Bank USA 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 Bank USA 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 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.

Please review carefully the UBS Bank USA Core Savings disclosure statement available at ubs.com/coresavingsdisclosure (PDF, 149 KB). Deposits in UBS Bank USA Core Savings, together with all other deposits at UBS Bank USA, are insured by the FDIC up to $250,000 (including principal and accrued interest) for each insurable ownership capacity in which you hold the deposits. For purposes of FDIC insurance, your deposits will be aggregated with your other deposit balances at UBS Bank USA, including any Certificates of Deposit, and deposits through the UBS Bank Sweep Programs and UBS FDIC Insured Deposit Program. You are responsible for monitoring the total amount of your deposits at UBS Bank USA in order to determine the extent of FDIC deposit insurance coverage.

Funds need to be in the account one day prior to depositing into savings.

UBS Financial Services Inc., as your agent and custodian, will open a deposit account on your behalf with UBS Bank USA, Member FDIC. UBS Core Savings is not available for certain financial institutions, advisory accounts, and non-resident clients. Ask your Financial Advisor for more information. UBS Bank USA Core Savings is available for purchase through an account at UBS Financial Services Inc., an affiliate of UBS Bank USA, and standard account fees apply.

Excluding promotional offers, UBS Bank USA Core Savings has a multi-tier rate structure. At the end of a promotional term, variable tiered rates on the deposits in UBS Bank USA Core Savings will apply. Interest accrues daily and pays monthly. View rates at ubs.com/sweepyields . Rates and rate tiers may change at any time without prior notice

All deposits at UBS Bank USA are insured by the FDIC up to $250,000 (including principal and accrued interest) for each insurable ownership capacity in which you hold the deposits. For purposes of FDIC insurance, your deposits will be aggregated with your other deposit balances at UBS Bank USA, including any Certificates of Deposit, UBS Bank USA Cores Savings deposits and deposits through the UBS Bank Sweep Programs and UBS FDIC Insured Deposit Program. Investors/You are responsible for monitoring the total amount of deposits at UBS Bank USA. For more information about FDIC insurance, please visit the FDIC website at fdic.gov/deposit/deposits.

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 Commercial Real Estate loans originated by UBS Bank USA, Member-FDIC

About UBS Financial Services Inc. products

The Resource Management Account (RMA) and Business Services Account BSA 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). UBS Core Savings is a deposit account, not an security, and is not protected by SIPC. An explanatory brochure is available upon request or at sipc.org. The RMA and Business Services Account BSA accounts provide 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

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 and 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 Bank USA is a subsidiary of UBS AG. UBS Bank USA, Member FDIC, NMLS No. 947868. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

© UBS 2020. 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.

Exp.: 5/31/2021, IS2003223