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      4. Deposit rates

        Clients with accounts opened through introducing financial firms for which Raymond James acts as a clearing agent, click here to log in to Client Access to view your rate.

        Clients with accounts for which Raymond James provides custody and execution services to the client's third-party investment adviser, click here to log in to Client Access to view your rate.

        View the Important Disclosures about the Raymond James Bank Deposit Program and the Sweep product comparison chart.

        Raymond James Bank Deposit Program

        FDIC deposit insurance provides a maximum of $250,000 of coverage per depositor per bank. To provide our clients with additional combined FDIC insurance coverage, the Raymond James Bank Deposit Program “sweeps” client deposits into numerous deposit accounts with multiple banks, providing up to $3 million in combined FDIC coverage for an individual account ($6 million for joint accounts).

        The Raymond James Bank Deposit Program - Raymond James Bank Only provides clients with up to $250,000 for individual accounts ($500,000 for joint accounts).

        Rates are based on the cumulative RJBDP and CIP cash balances in a client relationship (determined based on eligible Raymond James accounts that share a common address and/or the same taxpayer ID, as well as certain business and trust accounts). Compliant with ERISA regulations, the value of Qualified Plan assets are not included when determining cumulative account value. Premium rates for Qualified Plan accounts are based on the asset value of that individual account. Please contact your financial advisor if you have questions about the rate you are receiving.

        Learn More

        Relationship Cash Level+

        Current Yield*

        Annual Effective Yield*

        $25 million or above

        1.15%

        1.15%

        $10,000,000 - $24,999,999.99

        0.90%

        0.90%

        $5,000,000 - $9,999,999.99

        0.70%

        0.70%

        $2,500,000 - $4,999,999.99

        0.65%

        0.65%

        $1,000,000 - $2,499,999.99

        0.50%

        0.50%

        $500,000 - $999,999.99

        0.35%

        0.35%

        $250,000 - $499,999.99

        0.25%

        0.25%

        $100,000 - $249,999.99

        0.15%

        0.15%

        Under $100,000

        0.10%

        0.10%

        + Relationships with an asset value of $5 million or more receive a minimum rate of 0.65%, regardless of cash balance.
        * Rates effective 10/10/2019. Rates subject to change without notice
        .

        Please note, these rates do NOT apply to clients with:

        • Accounts opened through introducing financial firms for which Raymond James acts as a clearing agent (the Custody & Clearing Division, or CCD)
        • Accounts for which Raymond James provides custody and execution services to the client's third-party investment adviser (the Investment Advisors Division, or IAD)

        If either of the above scenarios apply to you, click here to log in to Client Access to view your rate.

        The banks we sweep your funds to are based on a priority list, which is available at raymondjames.com/rjbdp. All deposits and withdrawals at the banks will be made by Raymond James on your behalf. If you maintain funds separately with banks in our program, you should monitor your total deposits at the applicable bank(s) to ensure they do not exceed FDIC insurance limits of $250,000 ($500,000 for joint accounts). Your funds will earn the same interest rate at all of the banks, based on your total relationship cash balances with Raymond James. Interest rate tiers and current rates are available online at raymondjames.com/sweeprates and through your financial advisor.

        Client Interest Program® (CIP)

        To assist our clients in achieving a higher level of freedom and convenience with their investment transactions, the Client Interest Program can be used as a short-term depository for funds awaiting investment. While offering clients an attractive rate of interest on their available funds, CIP provides the assurance of knowing cash is protected up to $250,000 by the Securities Investor Protection Corporation (SIPC) in the event of the firm’s liquidation.

        Rates are based on the cumulative RJBDP and CIP cash balances in a client relationship (determined based on eligible Raymond James accounts that share a common address and/or the same taxpayer ID, as well as certain business and trust accounts). Compliant with ERISA regulations, the value of the Qualified Plan assets are not included when determining cumulative relationship value. Rates for Qualified Plan accounts are based on the RJBDP and CIP balance in that individual account. Please contact your financial advisor if you have questions about the rate you are receiving.

        Learn More  

        Relationship Cash Level+

        Current Yield*

        Annual Effective Yield*

        $25 million or above

        1.15%

        1.15%

        $10,000,000 - $24,999,999.99

        0.90%

        0.90%

        $5,000,000 - $9,999,999.99

        0.70%

        0.70%

        $2,500,000 - $4,999,999.99

        0.65%

        0.65%

        $1,000,000 - $2,499,999.99

        0.50%

        0.50%

        $500,000 - $999,999.99

        0.35%

        0.35%

        $250,000 - $499,999.99

        0.25%

        0.25%

        $100,000 - $249,999.99

        0.15%

        0.15%

        Under $100,000

        0.10%

        0.10%

        + Relationships with an asset value of $5 million or more receive a minimum rate of 0.65%, regardless of cash balance.
        * Rates effective 10/10/2019. Rates subject to change without notice.

        The Securities Investor Protection Corporation (SIPC) provides $500,000 of net equity protection, including $250,000 for claims for cash awaiting reinvestment. Please visit www.sipc.org for more information about SIPC coverage.

        Raymond James has purchased excess SIPC coverage through various syndicates of Lloyd’s, a London-based firm. Excess SIPC is fully protected by the Lloyd’s trust funds and Lloyd’s Central Fund. The additional protection currently provided has an aggregate firm limit of $750 million, including a sub-limit of $1.9 million per customer for cash above basic SIPC for the wrongful abstraction of customer funds.

        Account protection applies when a SIPC-member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations.


        Raymond James Bank with Checkwriting

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        A.P.Y.*

        Rate**

        Over $5,000

        0.20%

        0.20%

        $0 to $4,999.99

        0.15%

        0.15%


        * A.P.Y. – Annual Percentage Yield (includes daily compounding of interest) – rates should always be quoted as an A.P.Y.
        ** Rates effective 10/10/2019. Rates subject to change without notice.

         

        Additional Raymond James Bank Accounts

        Raymond James Bank makes it possible to combine banking services with traditional securities and trust services, enabling you to take advantage of a broad range of financial support. All of your assets custodied at Raymond James can appear on one consolidated statement which will detail activity in all accounts each month. View additional Raymond James Bank rates.

        Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, National Association (N.A.). 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, N.A., are not guaranteed by Raymond James Bank, N.A., and are subject to investment risks, including possible loss of the principal invested.

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