Deposit Accounts
As an investment client, your banking needs go beyond the services offered by the average bank.
In addition to offering all of the features you’ve come to expect from deposit products, Raymond James Bank provides additional benefits designed with the Raymond James investment client in mind. Our benefits include:
- Consolidated account information
Eliminating the need for additional paperwork, this grants you the convenience of having both your bank and investment statements consolidated. - FDIC insurance
Enjoy the security of knowing your deposits are insured by the FDIC for up to $250,000 per depositor. - Online Banking and Bill Pay services
Our Online 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. - 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. - Overdraft protection
With overdraft protection (available for checking accounts), you can set up pre-authorized transfers linked from your Raymond James Bank money market account, savings account or Home Equity Line of Credit. Overdraft protection options vary according to each linked account type.
Deposit Rates
For information regarding our rates, call our Client Service team at 800.718.2265, option 4 or contact your advisor.
Certificates of Deposit (CDs)
Rates effective August 7, 2026 and are subject to change without notice.
| Interest Rate | Annual Percentage Yield (APY) |
Minimum Opening Deposit (purchased through Raymond James brokerage account) |
Minimum Opening Deposit (not purchased through Raymond James brokerage account) |
|
|---|---|---|---|---|
| TERM | ||||
| 90 Days | 2.86% | 2.90% | $2,000 | $1,000 |
| 6 Months | 4.02% | 4.10% | $2,000 | $1,000 |
| 12 Months | 4.16% | 4.25% | $2,000 | $1,000 |
| 18 Months | 4.40% | 4.50% |
$2,000 | $1,000 |
| 24 Months | 4.26% | 4.35% | $2,000 | $1,000 |
| 36 Months | 4.35% | 4.45% | $2,000 | $1,000 |
| 48 Months | 4.45% | 4.55% | $2,000 | $1,000 |
| 60 Months | 4.50% | 4.60% | $2,000 | $1,000 |
CDs may be opened for any term between 90 days and five years. There is a substantial penalty for early withdrawal. Annual Percentage Yield calculation assumes principal and interest remain on deposit until maturity. Certificates are nonnegotiable and cannot be sold on the secondary market.
Simply Savings & Money Market Accounts
Rates effective August 6, 2026 and are subject to change without notice.
| Minimum Balance to Obtain Disclosed APY (USD) | Interest Rate | Annual Percentage Yield (APY) |
| SIMPLY SAVINGS ACCOUNT | ||
| Over $2,500 | 0.03% | 0.03% |
| $500-2,499.99 | 0.03% | 0.03% |
| $0-$499.99 | 0.03% | 0.03% |
| MONEY MARKET ACCOUNT | ||
| Over $5,000 | 0.03% | 0.03% |
| $0-$4,999.99 | 0.03% | 0.03% |
Rates are variable and may change after account opening. Fees may reduce the earnings on the account.
Products, terms and conditions subject to change. Subject to standard credit criteria. Call Raymond James Bank for current rates and other information. The line of credit can be suspended, reduced or terminated in the event of fraud, failure to repay, adverse collateral conditions or other reasons as outlined in the credit agreement. Please refer to the credit agreement for all terms. The proceeds from a Raymond James Bank Loan cannot be (a) used to purchase or carry securities; (b) deposited into a Raymond James investment or trust account; (c) used to purchase any product issued or brokered through an affiliate of Raymond James, including insurance; or (d) otherwise used for the benefit of, or transferred to, an affiliate or Raymond James.
Raymond James Bank is registered with the NMLS Registry and is authorized to conduct mortgage transactions under NMLS ID 405712.Contact Raymond James Bank at 888.457.5626 for current rates and other information.
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