{"id":20896,"date":"2025-10-30T06:00:31","date_gmt":"2025-10-30T10:00:31","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/?post_type=rbcwm_solutions&#038;p=20896"},"modified":"2025-10-30T06:00:31","modified_gmt":"2025-10-30T10:00:31","slug":"premium-savings","status":"publish","type":"rbcwm_solutions","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\/premium-savings","title":{"rendered":"RBC Premium savings"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm rbc-hero-has-image-bleed rbc-hero-overlap rbc-hero-overlap-mobile rbc-hero-74kmyyrur hide-mobile-energy-lines\"><style>\n\t\t.rbc-hero-74kmyyrur.is-style-rbc-hero-gradient::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-74kmyyrur.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-74kmyyrur.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before {\n\t\t\tbackground: linear-gradient(180deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-74kmyyrur .rbc-hero-energy-lines.rbc-hero-energy-lines-left {\n\t\t\ttransform: scaleX(-1);\n\t\t}\n\n\t\t@media (max-width: 991px) {\n\t\t\t.rbc-hero-74kmyyrur.is-style-rbc-hero-gradient::before,\n\t\t\t.rbc-hero-74kmyyrur.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before,\n\t\t\t.rbc-hero-74kmyyrur.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\t\tbackground: none;\n\t\t\t}\n\n\t\t\t.rbc-hero-74kmyyrur.rbc-hero-has-image-full.hide-mobile-energy-lines .rbc-hero-energy-lines {\n\t\t\t\tdisplay: none;\n\t\t\t}\n\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-74kmyyrur.is-style-rbc-hero-gradient .rbc-hero-img-wrap::after {\n\t\t\t\tbackground: linear-gradient( 0deg, #023169 0%, rgba(94, 120, 131, 0) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-74kmyyrur.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .rbc-hero-img-wrap::before,\n            .wp-block-rbcwm-hero-block.rbc-hero-74kmyyrur.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .container .rbc-hero-img-wrap::before {\n\t\t\t\tbackground: linear-gradient( 180deg, #023169 0%, rgba( 94, 120, 131, 0 ) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-74kmyyrur.is-style-rbc-hero-gradient .rbc-hero-card {\n\t\t\t\tbackground: #023169;\n\t\t\t}\n\t\t}\n\t<\/style><div class=\"container\"><div class=\"row no-gutters\"><div class=\"col-lg-7 rbc-hero-card-content\"><div class=\"rbc-card rbc-hero-card rbc-hero has-content\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"rbc-hero-body-content\"><h1 class=\"rbc-hero-title\"><span>RBC Premium Savings<\/span><\/h1><span class=\"rbc-hero-category\"><span>Banking and lending services<\/span><\/span><div class=\"rbc-hero-breadcrumb link-chev-left\"><div class=\"rbc-icon mr-half\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-left\" style=\"color:#006ac3\"><\/i><\/div><span style=\"color:#006ac3\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\/cash-management\" data-type=\"link\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\/\">Cash management<\/a><\/span><\/div><hr class=\"rbc-hero-hr hr-mini bdr-accent\"\/>\n<p class=\"is-style-default\">Earn 3.35% Annual Percentage Yield (APY)<sup>1<\/sup>. A new solution for cash at RBC Wealth Management. Elevate your FDIC coverage and earn a competitive yield.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"rbc-hero-img-wrap col-lg-5 order-2 order-lg-1\"><div class=\"rbc-hero-img bleed-img-right  rbc-hero-img-desktop-bottom-center rbc-hero-img-mobile-bottom-center\" style=\"background-image:url(https:\/\/www.rbcwealthmanagement.com\/en-us\/wp-content\/uploads\/sites\/7\/2025\/03\/man-and-woman-reviewing-paperwork.jpg?w=1600)\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row justify-content-center\"><div class=\"col-lg-12\"><div class=\"wrap\">\n<div class=\"wp-block-rbcwm-columns container\"><div class=\"row blockId-27b40479-4067-4777-9603-6db622774573\">\n<div class=\"wp-block-rbcwm-column col-lg-6\">\n<h2 class=\"wp-block-heading\" id=\"h-deposits-are-fdic-insured\">Deposits are FDIC insured<\/h2>\n\n\n\n<p>With the RBC Premium Savings program, you also benefit from enhanced FDIC coverage\u2014up to $200 million<sup>2 <\/sup>through participating network banks, each providing up to $250,000 in FDIC coverage.<\/p>\n\n\n\n<p>At RBC Wealth Management, we prioritize your financial security. While your savings in the RBC Premium Savings program are FDIC insured, RBC Wealth Management is not an FDIC-insured depository institution. FDIC insurance available with RBC Premium Savings is subject to certain conditions and FDIC insurance only protects against failure of a network bank.<\/p>\n\n\n\n<p>Deposits are a direct obligation of the network bank and are not an obligation of RBC Wealth Management. You have the option to exclude certain network banks from receiving your funds. For a list of the program banks, visit <a href=\"https:\/\/www.intrafi.com\/network-banks\" class=\"link-external\">www.intrafi.com\/network-banks<\/a>.<\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-e222b6054d2b8cbca02ed07920ad2535\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-premium-savings\" class=\"link-cta link-chev\">More information about RBC Premium Savings<\/a><\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-6\">\n<h3 class=\"wp-block-heading\" id=\"h-convenient-access-to-funds\">Convenient access to funds<\/h3>\n\n\n\n<p>Same-day liquidity options for deposits and withdrawals, provide easy access to cash held within your investment portfolio.<sup>3<\/sup><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-competitive-yield\">Competitive yield<\/h3>\n\n\n\n<p>RBC Premium Savings pays a competitive rate, which may be adjusted at any time in accordance with the prevailing rate environment, with no bank fees or holding periods.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"row wrap blockId-059b9f19-6327-4865-897e-928bbbfc7df2\">\n<div class=\"wp-block-rbcwm-column col-lg-6\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30);padding-top:0;padding-bottom:0\">\n<h2 class=\"wp-block-heading has-primary-color has-text-color has-link-color wp-elements-2555c73bb7d2a609df3779fccef9de62\" id=\"h-enroll-with-confidence-and-ease\">Enroll with confidence and ease<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-6\">\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-b963316c7c54330fc59c22814a520b99\">To participate in the RBC Premium Savings program, you must be enrolled in RBC Wealth Management Online. <\/p>\n\n\n\n<ul style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\" class=\"wp-block-list has-white-color has-text-color has-link-color wp-elements-b6f753ee4ea3df51830b759197ef08e3\">\n<li class=\"has-theme-color has-text-color has-link-color wp-elements-a4240387f79a2b62854e64c8858e2ff9\"> Net-new cash deposits made in the last 30 calendar days are eligible<sup>4<\/sup><\/li>\n\n\n\n<li class=\"has-theme-color has-text-color has-link-color wp-elements-7a05c8169794aca4baaf96b2874928e2\">$100,000 minimum investment and balance requirement per account<\/li>\n\n\n\n<li class=\"has-theme-color has-text-color has-link-color wp-elements-18bcb974d71431c0847ea934b419d943\">Maximum deposit of up to $200 million per client<sup>2<\/sup><\/li>\n\n\n\n<li class=\"has-theme-color has-text-color has-link-color wp-elements-8c5e0377a69db91727e94f83937ff3e7\">Available for your non-retirement, non-advisory brokerage accounts, including the RBC Cash Management Account and RBC Dedicated Cash Management Account<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<div class=\"wp-block-group has-block-grey-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-rbcwm-disclaimer col\"><div class=\"my-1\"><div class=\"disclaimer\">\n<ol class=\"wp-block-list\">\n<li>The Annual Percentage Yield (\u201cAPY\u201d) as advertised is quoted as of 12\/11\/2025. APY is subject to change at any time without notice, including during the availability period.<\/li>\n\n\n\n<li>Aggregate deposits up to $200 million per client are eligible for FDIC insurance through deposit accounts at RBC Premium Savings program banks, regardless of insurable capacity of brokerage account. Deposit limits may change and some conditions apply.<\/li>\n\n\n\n<li>Timing of 1 p.m. Eastern Time cutoff for same day liquidity\u2014withdrawal requests by 1 p.m. Eastern Time on a business day generally will be processed on such business day. &nbsp;Prior enrollment required. &nbsp;RBC Premium Savings is not intended for clients who need to have frequent access to funds and will require a verbal liquidation request to your financial advisor to access the funds.<\/li>\n\n\n\n<li>New cash balances of $100,000 or more in client brokerage accounts. Net new cash is defined as any deposit in the last 30 calendar days, inclusive of deposits from external sources and proceeds from the sale of money market funds, mutual funds, fixed income, equities and other securities, net of any cash outflows, in a client\u2019s brokerage account.<\/li>\n<\/ol>\n\n\n\n<p class=\"is-style-caption\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;padding-top:var(--wp--preset--spacing--40);padding-right:0;padding-bottom:var(--wp--preset--spacing--40);padding-left:0\"><strong><strong>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>&nbsp;<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"is-style-caption\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;padding-top:var(--wp--preset--spacing--40);padding-right:0;padding-bottom:var(--wp--preset--spacing--40);padding-left:0\"><\/p>\n\n\n\n<p>In the RBC Premium Savings program (the \u201cProgram\u201d) deposits are sent to demand deposit and\/or to money market deposit accounts at participating network Federal Deposit Insurance Corporation (\u201cFDIC\u201d)-insured depository institutions (\u201cNetwork Banks\u201d) by RBC Wealth Management, a division of RBC Capital Markets, LLC, (\u201cwe,\u201d \u201cus\u201d or &#8220;RBC WM\u201d) directly or via RBC Bank (Georgia), N.A., an FDIC-insured affiliate, acting as our agent and sub-custodian. Deposits that are placed through the Program at Network Banks are eligible for FDIC deposit insurance coverage in amounts up to the appliable FDIC insurance limit at each Network Bank. The Program relies on the services of IntraFi Network, LLC for the placement of deposits at&nbsp; third-party Network Banks. Deposits in the Program are not subject to market risk and potential value loss but are subject to the risk of a Network Bank\u2019s failure. In the event a Network Bank fails, deposits at each Network Bank are eligible for FDIC coverage up to applicable limits.<\/p>\n\n\n\n<p>RBC WM is not an FDIC-insured depository institution. FDIC insurance available with the Program is subject to certain conditions and FDIC insurance only protects against failure of the Network Bank. To meet conditions for pass-through FDIC deposit insurance, deposit accounts at Network Banks are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. The depositor may exclude Network Banks from eligibility to receive its funds. A list of Network Banks is available at <a href=\"https:\/\/www.intrafi.com\/network-banks\" target=\"_blank\" rel=\"noreferrer noopener\">IntraFi<\/a>.<\/p>\n\n\n\n<p>The <a href=\"http:\/\/www.fdic.gov\/resources\/deposit-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">FDIC<\/a> standard maximum deposit insurance amount (\u201cSMDIA\u201d) is $250,000. The FDIC insurance coverage limit applies per depositor, per insured Network Bank for each account ownership category. Certain trusts are also insured above the standard limits, depending on their structure and beneficiaries. See <a href=\"http:\/\/www.fdic.gov\/resources\/deposit-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">FDIC<\/a> <br>for additional information.<\/p>\n\n\n\n<p>Deposit placement through the Program is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the SMDIA at any one Network Bank, a depositor\u2019s balances at RBC WM may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through the Program satisfies any restrictions on its deposits.<\/p>\n\n\n\n<p>Monies held through the Program are not covered by Securities Investor Protection Corporation (\u201cSIPC\u201d).<\/p>\n\n\n\n<p>RBC Premium Savings will earn the interest rate based on the daily balance in the account. Interest rates\/APY (Annual Percentage Yield) are subject to change without notice.&nbsp;Minimum deposit and balance requirements apply and may change. Deposit limits may change and some conditions apply. For more information, please contact your financial advisor.<\/p>\n\n\n\n<p>Neither RBC WM, nor its affiliates or employees provide legal, accounting or tax advice. All legal, accounting or tax decisions regarding your accounts and any transactions or investments entered into in relation to such accounts, should be made in consultation with your independent advisors. No information, including but not limited to written materials, provided by RBC WM or its affiliates or employees should be construed as legal, accounting or tax advice.<\/p>\n\n\n\n<p>Please see <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-premium-savings\">RBC Premium Savings<\/a> to view the current&nbsp;<a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/rbc-premium-savings-terms-and-conditions.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Program Terms and Conditions<\/a>,&nbsp;<a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/rbc-premium-savings-deposit-placement-agreement.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Deposit Placement Agreement<\/a> and Program Interest Rates for more information.<\/p>\n\n\n\n<p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-grey overlap-top has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"wp-block-rbcwm-rbc-button alignfull rbc-button-block row no-gutters align-items-end b-white blockId-4d56bef8-55c4-403f-8b89-07208ea24a26 blockId-97ba3a7f-1b28-4568-8fe2-6d10d48062d0 blockId-8e2b8633-21af-4dc0-b927-fa75afbee817 blockId-7b96796c-52fa-4541-a3fa-c60d68e4cb5f overlap-bottom\"><div class=\"rbc-card\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"row\"><div class=\"col-lg-8\"><h3 class=\"mb-0 rbc-button-block-title\"><span>Manage your savings cash effectively<\/span><\/h3><hr class=\"hr-mini my-1-half bdr-warm-grey\"\/>\n<p class=\"paragraph-intro\">Speak with a financial advisor today to learn more about how RBC Premium Savings can provide a competitive yield with the safety of elevated FDIC coverage for your cash.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"col-lg-7\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/contact\" target=\"_self\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-warm-grey rbc-button-block\" rel=\"noopener\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-fal fa-angle-right\"><\/i><\/div><span>Let us contact you<\/span><\/a><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\t\t\t<section class=\"rbc-block rbc-block-featured b-primary\" data-location_id=\"Related solutions - Article two column card list\">\n\t\t\t\t<div class=\"container\">\n\t\t\t\t\t<div>\n\t\t\t\t\t\t<header class=\"row rbc-block-header\">\n\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"rbc-block-header-title col-lg-8\">Related solutions<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"col-lg-4 rbc-block-header-cta-wrap text-lg-right text-left mb-half mb-lg-0\">\n\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\" class=\"link-chev rbc-block-header-cta wp-block-rbcwm-related-solutions-link\"><span>All solutions<\/span><div class=\"rbc-icon\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/header>\n\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t<div class=\"col-lg-12\">\n\t\t\t\t\t\t\t\t<div class=\"wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card rbc-card-cta rbc-card-mb rbc-card-hover rbc-card-cta-translucent ani-card-up\">\n\t\t\t\t\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col d-flex\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row w-100 align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"rbc-card-cta-title h5\">Cash management<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7 rbc-card-cta-seperator\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Cash management programs can provide convenient, flexible options to simplify your accounts while helping manage and protect your cash.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\/cash-management\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Cash management<\/span><div class=\"rbc-icon rbc-card-cta-arrow fa-3x\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card rbc-card-cta rbc-card-mb rbc-card-hover rbc-card-cta-translucent ani-card-up\">\n\t\t\t\t\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col d-flex\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row w-100 align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"rbc-card-cta-title h5\">Lending solutions<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7 rbc-card-cta-seperator\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Manage your cash flow needs with strategic financing and access flexible liquidity solutions using credit.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\/lending-solutions\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Lending solutions<\/span><div class=\"rbc-icon rbc-card-cta-arrow fa-3x\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card rbc-card-cta rbc-card-mb rbc-card-hover rbc-card-cta-translucent ani-card-up\">\n\t\t\t\t\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col d-flex\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"row w-100 align-items-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-left mb-1 mb-lg-0 col-xl-4 col-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"rbc-card-cta-title h5\">Wealth protection solutions<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-cta-col-right col-xl-8 col-lg-7 rbc-card-cta-seperator\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>A customized wealth protection plan is important to help manage the risks that concern investors the most.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\/wealth-protection-solutions\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Wealth protection solutions<\/span><div class=\"rbc-icon rbc-card-cta-arrow fa-3x\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i><\/div><\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-grey rbc-block-has-overlap has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 class=\"wp-block-heading rbc-block-header-title col-lg-12\" id=\"h-our-insights\">Our insights<\/h2>\n\n<\/div>\n<\/div><\/header>\n\n\n\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-lg-12\">\n\t\t\t\t<div class=\"row overlap-bottom\">\n\t\t\t\t\t\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-us\/wp-content\/uploads\/sites\/7\/2020\/03\/hands-using-a-calculator-doing-business-audit.jpg');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>What you can do to avoid tax surprises every year<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tTax strategies\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/what-you-can-do-to-mitigate-tax-surprises-every-year\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t4 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; What you can do to avoid tax surprises every year<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-us\/wp-content\/uploads\/sites\/7\/2025\/02\/boy-with-down-syndrome-enjoying-time-with-mother-3210x2140-1.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Family members with special needs: How to plan for their financial well-being<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tEstate planning\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/family-members-with-disabilities-need-special-planning\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t6 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Family members with special needs: How to plan for their financial well-being<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-us\/wp-content\/uploads\/sites\/7\/2025\/02\/businessman-using-laptop-in-office-3210x2140-1.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>Eight common crypto scams and how to spot them<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tYour finances\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/eight-common-crypto-scams-and-how-to-spot-them\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t7 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; Eight common crypto scams and how to spot them<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t\t\t\t<div class=\"rbc-button-block row no-gutters align-items-end rbc-block-spacer-t justify-content-end\">\n\t\t\t\t\t\t\t\t<div class=\"col-lg-5 order-1\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-secondary rbc-button-block\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"rbc-icon rbc-button-icon-right\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tBrowse more insights\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>RBC Premium Savings helps to manage your savings cash for your wealth needs with premium protection and competitive yields, without having to sacrifice liquidity or safety.<\/p>\n","protected":false},"author":26,"featured_media":21304,"template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-20896","rbcwm_solutions","type-rbcwm_solutions","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>RBC Premium savings \u2013 RBC Wealth Management\u2013U.S.<\/title>\n<meta name=\"description\" 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