{"id":4145,"date":"2023-05-26T09:44:29","date_gmt":"2021-12-22T12:15:41","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/?page_id=4145"},"modified":"2023-11-01T11:07:40","modified_gmt":"2023-11-01T15:07:40","slug":"rbc-insured-deposits-bank-list","status":"publish","type":"page","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-insured-deposits-bank-list","title":{"rendered":"RBC Insured Deposits Bank List"},"content":{"rendered":"\n

RBC Insured Deposits Bank List<\/span><\/h1><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n
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Click here for the RBC Insured Deposits Bank List<\/a><\/p>\n\n\n\n

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RBC Insured Deposits (\u201cthe Program\u201d) is an automated cash sweep option that sweeps un-invested cash balances in clients\u2019 accounts into interest-bearing deposit accounts (\u201cDeposit Accounts\u201d) with RBC affiliate banks and additional unaffiliated banks (\u201cProgram Banks\u201d) up to applicable limits. Availability is subject to certain restrictions. The Program provides up to $5 million in Federal Deposit Insurance Corporation (\u201cFDIC\u201d) insurance coverage per depositor in each insurable ownership capacity (\u201cDeposit Limit\u201d). Each Deposit Account constitutes a direct obligation of the Program Bank and is not directly or indirectly an obligation of RBC Wealth Management. More information regarding FDIC insurance is available at www.fdic.gov<\/a>.<\/p>\n\n\n\n

RBC Insured Deposits are not subject to market risk and potential value loss, but are subject to the risk of a Program Bank\u2019s failure. In the event a Program Bank fails, deposits at each Program Bank are eligible for FDIC coverage up to applicable limits. Deposit balances in excess of the Deposit Limit are invested with Excess Banks and are not covered by FDIC insurance. Currently, the Primary Excess Bank is City National Bank (\u201cCNB\u201d), an RBC Affiliate Bank. Monies held in RBC Insured Deposits are not covered by Securities Investor Protection Corporation (\u201cSIPC\u201d). For retirement accounts, balances in excess of the Deposit Limit are invested in an unaffiliated money market fund. Money market mutual fund investments are not insured by the FDIC or any government agency; they are instead covered by SIPC.<\/p>\n\n\n\n

Deposit Accounts will earn the interest rate based on the total assets across all accounts within your household, as well as total balances of all Deposit Accounts within your household held in the RBC Insured Deposits and RBC Cash Plus cash sweep programs. Interest rates\/APY (Annual Percentage Yield) are subject to change without notice.<\/p>\n\n\n\n

For more information, see RBC Insured Deposits<\/a> and our Cash Sweep Program Overview<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

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Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.<\/strong> <\/p>\n\n\n\n

RBC Wealth Management, a division of RBC Capital Markets, LLC, registered investment adviser and Member NYSE<\/a>\/FINRA<\/a>\/SIPC<\/a>.<\/strong><\/p>\n\n\n\n

<\/p>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":50,"featured_media":0,"parent":59,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"legal\/rbc-insured-deposits-bank-list","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-4145","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nRBC Insured Deposits Bank List - RBC Wealth Management<\/title>\n<meta name=\"description\" content=\"RBC Insured Deposits Bank List Click here for the RBC Insured Deposits Bank List   RBC Insured Deposits (\u201cthe Program\u201d) is an automated cash sweep\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-insured-deposits-bank-list\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBC Insured Deposits Bank List\" \/>\n<meta property=\"og:description\" content=\"RBC Insured Deposits Bank List Click here for the RBC Insured Deposits Bank List   RBC Insured Deposits (\u201cthe Program\u201d) is an automated cash sweep\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-insured-deposits-bank-list\" \/>\n<meta property=\"og:site_name\" content=\"RBC Wealth Management\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-01T15:07:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/wp-content\/uploads\/sites\/7\/2023\/02\/share-logo-1200x630-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"RBC Insured Deposits Bank List\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-insured-deposits-bank-list\",\"url\":\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-insured-deposits-bank-list\",\"name\":\"RBC Insured Deposits Bank List - 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