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Deposit Accounts

As an investment client, your banking needs go beyond the services offered by the average bank. In addition to offering all the features you’ve come to expect from deposit products, Raymond James Bank accounts provide additional benefits designed with the Raymond James investment client in mind. These benefits include:

  • Consolidated account information

    The convenience of having both your bank and investment statements consolidated into one monthly mailing… so there is no need for additional paperwork.


  • FDIC-insurance

    Enjoy the security of knowing that your deposits are insured by the FDIC up to $100,000 per depositor ($250,000 per depositor for IRAs and certain other retirement accounts).


  • No minimum balance required for sweep account options

    There is no minimum balance required to open Raymond James Bank sweep accounts and no monthly or annual account service charges on these types of accounts.1


  • Internet Banking and Bill Pay services

    Raymond James Bank’s Internet Banking service offers you the ability to access your Raymond James Bank accounts to check your account balances, transfer funds between accounts, view account history, and much more. More...


  • Visa® CheckCard2

    The Raymond James Bank ATM, point-of-sale (POS) and Visa® CheckCard allows 24-hour access to funds in Raymond James Bank accounts. More...


  • 24-hour TeleDirect®

    Enjoy the convenience of accessing your Raymond James Bank account information anytime, from anywhere, quickly and easily with TeleDirect® (1-888-4RJ-BANK). More...


  • Unlimited checkwriting for checking accounts3

    Unlimited checkwriting is available on all checking accounts. Limited checkwriting is available on Money Market, Money Market Sweep and ERISA Sweep with Checkwriting accounts.


  • Direct deposits and automatic withdrawals

    Experience the ease of knowing that your checks will be deposited into your account on time. Set up direct deposit of any regular income, including pension and retirement checks, dividend and interest payments, and payroll deposits. Save yourself valuable time by having monthly bills automatically deducted from your account. Set up automatic withdrawals from your account to pay routine bills, including loan installments, utility payments and phone bills.


  • Overdraft protection

    No need to suffer the inconvenience or embarrassment of having a check returned due to an insufficient balance in your account. With overdraft protection (available for checking accounts), simply transfer funds from your Raymond James Bank Money Market account, savings account or Home Equity Line of Credit. Overdraft protection options vary according to account type. Request a service charge brochure for related fee.

For more information on any of our accounts and related features, please contact your Financial Advisor or Raymond James Bank at 800-718-BANK (2265).


Privacy Statement     Equal Housing Lender   Member FDIC       Terms of Use

1Service charges on the investment portion of an account or IRA fees, if applicable, are separate and should be discussed with your Financial Advisor. A minimum or average daily balance is required on the non-sweep accounts to waive monthly service charges. For information on additional services provided by Raymond James Bank, please request a copy of our Service Charge Schedule.

2Raymond James Bank’s Visa® CheckCard is available for checking accounts that qualify. ATM cards are available for Money Market accounts.

3Subject to minimum balance requirements.

Products, terms and conditions subject to change. Home equity loans and lines of credit subject to standard credit criteria. Property insurance required. Flood insurance may be required. Call Raymond James Bank for current interest rates and other information.

Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, FSB, a federally chartered savings bank. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.