Private Banking



Steward Partners, Raymond James and Raymond James Bank provide you with flexibility and choice when it comes to managing your daily finances and your borrowing and liquidity needs.


We offer an array of services that address both immediate and long-term cash needs quickly and efficiently. Our Capital Access program streamlines and simplifies the daily demands of managing your finances. It links to your Raymond James brokerage accounts so you can keep – and track – all your financial information in one place. This program includes spending tools such as checks, debit cards, online bill pay and daily transfers to and from your accounts.


In a well-structured portfolio, cash is as important as stocks and bonds. Yet we find many investors do not spend as much time researching their borrowing options as they do their investments. Securities – including stocks, bonds and mutual funds – held at Raymond James may be a source of immediate borrowing power at highly competitive loan rates.

1 The proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities. A Securities Based Line of Credit may not be suitable for all clients. Borrowing on securities-based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the Pledged Account(s) may be sold to meet the Collateral Call, and the firm can sell the client’s securities without contacting them. The interest rates charged are determined by the market value of pledged assets and the net value of the client’s Capital Access account.

Securities Based Line of Credit provided by Raymond James Bank, an affiliate of Raymond James & Associates, Inc. and Raymond James Financial Services, Inc.


Putting money to work isn’t just about investing – it’s also about earning interest on money awaiting investment. That’s why Raymond James offers a number of cash management programs that will automatically transfer (or sweep) your cash balance into an interest-bearing account. These programs provide a range of other benefits like convenient transfers to cover trades, competitive interest rates and FDIC insurance for bank deposits or SIPC protection for securities.Your cash balances appear together with your other assets on your Raymond James statement.

All funds held at Raymond James Bank and participating banks in the Bank Deposit Program are insured by the Federal Deposit Insurance Company (FDIC) up to $250,000 per depositor, per insured bank, for each account ownership category. Additional information can be found at or by calling 877.ASK.FDIC (877.275.3342).Raymond James Financial Services is 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). An explanatory brochure is available upon request or at or by calling (202) 371-8300. 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.