Capital Access

Investing and banking simplified

Capital Access Everyday is a brokerage account that serves your day-to-day spending and investing needs all in one. You can use it to purchase investments, pay bills and manage daily expenses.

Like a traditional checking account, it features mobile check deposit, reimbursed ATM fees, anytime online access, 24/7 fraud monitoring, mobile wallet and more. Get the ability to easily see the big picture of your financial life and the convenience of a single login. 

Account features

• Visa® Platinum debit card
• Mobile Check Deposit
• Up to $200 in ATM fees reimbursed per year*
• 24/7 fraud monitoring
• Optional, customizable debit card alerts
• Direct deposit or direct payment using ACH
• Bill pay and check writing
• 24/7 online access
• Mobile wallet (Apple Pay, Google Pay and Samsung Pay)
• Interest-bearing cash sweep program (click here for options and rates) 
• Overdraft protection

Capital Access Everyday fees and pricing

The annual fee of $150 may be waived if you meet any one of the following criteria:

• Your Raymond James accounts have a market value of at least $500,000
• You have average direct deposits of $1,000 per month/$12,000 per year for the 12-month period preceding the charge date
• You have a fee-based account through Ambassador, Opportunity, Passport or IMPAC

There’s a simpler way.

To get started with a Raymond James cash management account, talk to your advisor.

*Unlimited ATM fee reimbursement for relationships with market value above $500,000.

The daily withdrawal limit in your Capital Access account is the sum of your cash balances and your aggregate loan value (subject to margin approval). The daily debit card limit is typically capped at $10,000 and the total ATM withdrawal is capped at $1,000. 

A margin account may not be suitable for all investors. Borrowing on margin and using securities as collateral may involve a high degree of risk including unintended tax consequences and the possible need to sell your holdings, which may lead to a significant impact on long-term investment goals. An investor can lose more funds than he or she deposited in the account. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to quickly deposit additional securities and/or cash in the account(s) or pay down the loan to avoid liquidation. The securities in the pledged account(s) may be sold to meet the margin call, and the firm can sell the client's securities without contacting them. An investor is not entitled to choose which securities or other assets in his or her account are liquidated or sold to meet a margin call. The firm can increase its maintenance margin requirements at any time and is not required to provide an investor advance written notice. An investor is not entitled to an extension of time on a margin call. Increased interest rates could also affect LIBOR rates that apply to your margin account causing the cost of the credit line to increase significantly. The interest rates charged are determined by the amount borrowed. Please visit sec.gov/investor/pubs/margin.htm for additional information.