{"id":5433,"date":"2025-02-11T08:46:09","date_gmt":"2025-02-11T13:46:09","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/?p=5433"},"modified":"2025-06-30T09:22:24","modified_gmt":"2025-06-30T13:22:24","slug":"cash-management","status":"publish","type":"rbcwm_solutions","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\/cash-management","title":{"rendered":"Cash management"},"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-3i0iknrt9 hide-mobile-energy-lines is-style-cta-text rbc-overlap-zindex-1\"><style>\n\t\t.rbc-hero-3i0iknrt9.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-3i0iknrt9.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-3i0iknrt9.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-3i0iknrt9 .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-3i0iknrt9.is-style-rbc-hero-gradient::before,\n\t\t\t.rbc-hero-3i0iknrt9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before,\n\t\t\t.rbc-hero-3i0iknrt9.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-3i0iknrt9.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-3i0iknrt9.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-3i0iknrt9.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .rbc-hero-img-wrap::before,\n            .wp-block-rbcwm-hero-block.rbc-hero-3i0iknrt9.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-3i0iknrt9.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>Cash management<\/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\/\" data-type=\"URL\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\/\">Solutions<\/a><\/span><\/div><hr class=\"rbc-hero-hr hr-mini bdr-accent\"\/>\n<p>Make the most of your cash with convenient, flexible and secure solutions. Discover how our programs can help you manage your everyday expenses and cash flow.<\/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\/2024\/02\/couple-looking-at-computer-together-at-home-3210x2140-1.jpg?w=1600)\"><\/div><\/div><div class=\"align-self-end order-lg-3 col-lg-7 cta-text\"><div class=\"rbc-button-block row no-gutters align-items-end rbc-hero-button-overlap overlap-top\"><div class=\"col-lg\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/contact\/\" class=\"rbc-button  rbc-button-large rbc-button-primary rbc-button-block rbc-button-block-cta\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fa-angle-right fal\"><\/i><\/div>Find a financial advisor<\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey rbc-block-flush has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row justify-content-center\"><div class=\"col-lg-12\">\n<div class=\"row justify-content-between no-gutters blockId-b5bbba1c-9e73-424c-971a-21a864a14b70\">\n<div class=\"wp-block-rbcwm-column col-lg-12\"><div class=\"wrap\">\n<div style=\"height:94px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>How you manage your money is as unique as you are, and we\u2019d like to help you simplify it. At RBC Wealth Management, our cash management program can help you meet your saving, spending, investing and protection needs. These programs also support other important goals like <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\/funding-education\">saving for education<\/a> or creating a <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\/retirement-income-planning\">reliable stream of income during retirement<\/a>.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey rbc-block-has-overlap rbc-block-small has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"row align-items-start justify-content-between blockId-4c0f8593-b557-42cf-8c6f-5320590f022e\">\n<div class=\"wp-block-rbcwm-column col-lg-6\">\n<h2 class=\"wp-block-heading\" id=\"h-rbc-insured-deposits-1\">RBC Insured Deposits<sup>1<\/sup><\/h2>\n\n\n\n<p>Enjoy protection at every level. Your cash in the RBC Insured Deposits program offers up to $5 million in FDIC coverage per depositor in each insurable ownership capacity up to applicable limits.<\/p>\n\n\n\n<p>RBC Wealth Management is not an FDIC-insured depository institution. FDIC insurance available in RBC Insured Deposits is subject to certain requirements and FDIC insurance only protects against the failure of the bank. View the current <a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/RBC-insured-deposits-summary-of-terms-and-conditions.pdf\" data-type=\"URL\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/RBC-insured-deposits-summary-of-terms-and-conditions.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"link-icon\">Program Terms and Conditions<\/a>, <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/rbc-insured-deposits-interest-rates\" target=\"_blank\" rel=\"noreferrer noopener\">Program Interest Rates<\/a> and <a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/RBC-insured-deposits-bank-list.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">program banks<\/a> for more information.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-6\" style=\"margin-top:-36px;margin-bottom:-36px\">\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-well rbc-block-small rbc-block-grey rbc-mid-page-cta has-block-grey-background-color has-background\"><div class=\"\"><div class=\"row \"><div class=\"col-lg-12\">\n<h4 class=\"wp-block-heading cta-title\" id=\"h-rbc-premium-savings\"><strong>RBC Premium Savings<\/strong><\/h4>\n\n\n\n<p class=\"cta-content has-medium-font-size\">Consolidate your cash or rebalance your portfolio at RBC Wealth Management. Take advantage of RBC Premium Savings, a non-sweep, high yield deposit product at a competitive rate. Elevate your savings cash through <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/solutions\/premium-savings\" class=\"link-cta link-chev\">RBC Premium Savings<\/a><\/p>\n<\/div><\/div><\/div><\/section>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"h-rbc-cash-management-account\">RBC Cash Management Account<\/h2>\n\n\n\n<p><span>Control your cash your way. The RBC Cash Management Account offers a broad range of robust cash management services, including secure account access and enhanced account monitoring. Key features include:<\/span><\/p>\n\n\n\n<div class=\"wp-block-rbcwm-columns container-fluid\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"row blockId-1969c2fb-b560-4176-8221-c17c92dc7284\">\n<div class=\"wp-block-rbcwm-column col-lg-2\">\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/wp-content\/uploads\/sites\/7\/2023\/02\/direct-deposit-blue.png\" alt=\"icon of a group of people\" style=\"object-fit:contain;width:75px;height:75px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-9\">\n<h5 class=\"wp-block-heading\" id=\"h-transfers-automated-clearing-house-ach\">Transfers\/automated clearing house (ACH)<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Add\/edit payees<\/li>\n\n\n\n<li>Auto-enrollment<\/li>\n\n\n\n<li>View transaction history<\/li>\n\n\n\n<li>View upcoming transactions<\/li>\n\n\n\n<li>Expedite payments<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-columns container-fluid\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"row blockId-1969c2fb-b560-4176-8221-c17c92dc7284\">\n<div class=\"wp-block-rbcwm-column col-lg-2\">\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/wp-content\/uploads\/sites\/7\/2025\/02\/automatic-payments-blue.png\" alt=\"icon of a group of people\" style=\"width:75px;height:75px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-9\">\n<h5 class=\"wp-block-heading\" id=\"h-bill-pay\">Bill pay<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Add\/edit payees<\/li>\n\n\n\n<li>Auto-enrollment<\/li>\n\n\n\n<li>View transaction history<\/li>\n\n\n\n<li>View upcoming transactions<\/li>\n\n\n\n<li>Expedite payments<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-columns container-fluid\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"row blockId-1969c2fb-b560-4176-8221-c17c92dc7284\">\n<div class=\"wp-block-rbcwm-column col-lg-2\">\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/wp-content\/uploads\/sites\/7\/2023\/02\/debit-card-blue.png\" alt=\"icon of a group of people\" style=\"object-fit:contain;width:75px;height:75px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-9\">\n<h5 class=\"wp-block-heading\" id=\"h-debit-cards\">Debit cards<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ATM fee rebates<sup><sup>2<\/sup><\/sup><\/li>\n\n\n\n<li>No foreign transaction fees when traveling abroad<sup>3<\/sup><\/li>\n\n\n\n<li>Tap to pay<\/li>\n\n\n\n<li>Contactless and Chip technology<\/li>\n\n\n\n<li>Instant account verification (IAV)<\/li>\n\n\n\n<li>Compatible with Apple Pay<sup>\u2021<\/sup>, Google Pay<sup>\u2021<\/sup>&nbsp;and Venmo<\/li>\n\n\n\n<li>Report lost\/stolen<\/li>\n\n\n\n<li>Lock\/unlock<\/li>\n\n\n\n<li>Change PIN (real-time)<\/li>\n\n\n\n<li>Manage travel notices<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-columns container-fluid\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><div class=\"row blockId-1969c2fb-b560-4176-8221-c17c92dc7284\">\n<div class=\"wp-block-rbcwm-column col-lg-2\">\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/wp-content\/uploads\/sites\/7\/2023\/02\/cheque-blue.png\" alt=\"icon of a group of people\" style=\"object-fit:contain;width:75px;height:75px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-9\">\n<h5 class=\"wp-block-heading\" id=\"h-checks\">Checks<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mobile check deposit<\/li>\n\n\n\n<li>Manage checks<\/li>\n\n\n\n<li>Track check orders<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-disclaimer\"><div class=\"my-1\"><div class=\"disclaimer\">\n<p><sup>1<\/sup> 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 and subject to certain requirements. 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 which is not an FDIC-insured depository institution.&nbsp;For a list of program banks, please see our public website at <a href=\"http:\/\/www.rbcwm.com\/rbc-insured-deposits-program-banks\" target=\"_blank\" rel=\"noreferrer noopener\">www.rbcwm.com\/rbc-insured-deposits-program-banks<\/a>. More information regarding FDIC insurance is available at&nbsp;<a href=\"https:\/\/www.fdic.gov\/\" target=\"_blank\" rel=\"noreferrer noopener\">www.fdic.gov <\/a>.<\/p>\n\n\n\n<p><sup>2<\/sup> ATM fee rebates apply to cash withdrawals using the RBC Visa Platinum Debit Card where it is accepted. ATM fee rebates do not include any fees imposed by merchants for point of sale transactions, ATM operators, or fees for stamp purchases, balance inquiries, non-local ATM currency withdrawal fees, or any other transaction other than ATM cash withdrawal in local currency from your RBC Brokerage Account.<\/p>\n\n\n\n<p><sup>3<\/sup> If you use your card to withdraw foreign currency from an ATM, or pay for a purchase with a foreign currency, RBC Wealth Management charges your account for the U.S. dollar equivalent of the transaction. Depending on the specific arrangements that are in place, the exchange rate and calculations of the U.S. dollar equivalent will be done by the bank at which you conduct the transaction, the network to which the ATM belongs or Visa. The bank or network may also charge a fee. RBC Wealth Management does not assess foreign transaction fees (i.e., a fee to convert U.S. dollars or local currency) to debit card holders. See the Visa Debit Card Agreement for details.<\/p>\n\n\n\n<p>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<p>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 cash sweep program. Interest rates\/APY (Annual Percentage Yield) are subject to change without notice.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/wm-cash-sweep-overview.pdf\" data-type=\"URL\" data-id=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/wm-cash-sweep-overview.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"link-icon\">Please see our Cash Sweep Program Overview<\/a> for more information. <\/p>\n\n\n\n<p>The listed merchant(s) are in no way affiliated with RBC, nor are the listed merchant(s) considered sponsors or co-sponsors of this program.<\/p>\n\n\n\n<p><sup>\u2021<\/sup>&nbsp;All other trademarks are the property of their respective owner(s)<\/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 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\">IntraFi<\/a>.<\/p>\n\n\n\n<p>The FDIC 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\">FDIC<\/a> 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<\/div><\/div><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"is-style-caption\"><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><\/p>\n<\/div><\/div><\/div><\/section>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush rbc-block-grey rbc-block-has-overlap rbc-block-small 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-0a92e86c-0e17-4f64-86ad-947156b0d607 blockId-0180fbd9-3ebb-4466-82ed-470b738fb87f blockId-37c269bb-afec-42b3-b587-fe9445eee661 blockId-f78b0e22-e609-4573-9522-6383758f0822 blockId-ff91278f-16ea-43e4-983a-302de6e6a314 blockId-98db784c-549a-44dc-bdec-c216946e3098 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>Let&#8217;s help simplify your cash management<\/span><\/h3><hr class=\"hr-mini my-1-half bdr-warm-grey\"\/>\n<p class=\"paragraph-intro\">Discover how RBC Wealth Management can help you meet your unique financial needs.<\/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>Contact us<\/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\">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\">Funding education<\/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>When it comes to paying for tuition, there are options to help you invest in your loved one&#8217;s future.<\/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\/funding-education\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Funding education<\/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\">Retirement income planning<\/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 solid retirement income planning strategy tailored to your individual needs and goals can help you manage your money in retirement.<\/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\/retirement-income-planning\" class=\"col-auto align-self-lg-center rbc-card-link-full position-static\"><span class=\"sr-only\">Retirement income planning<\/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\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p><\/p>\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\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\/2026\/04\/multi-generational-family-eating-together-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>Four ways to start the conversation about your financial future<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tWealth transfer\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/four-ways-to-start-the-conversation-about-your-financial-future\" 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; Four ways to start the conversation about your financial future<\/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\/2026\/03\/young-professional-woman-standing-outside-office-building-3210x2140-2.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>Women, wealth and legacy: Three generations are redefining financial success<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tWealth 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\/women-wealth-and-legacy-three-generations-are-redefining-financial-success\" 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; Women, wealth and legacy: Three generations are redefining financial success<\/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\/2016\/08\/university-graduate-hugging-parents-with-diploma.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>College funding: It\u2019s a family affair<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tFunding education\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/college-funding-its-a-family-affair\" 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\t5 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; College funding: It\u2019s a family affair<\/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\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>Manage your cash with convenient, flexible and secure accounts. Discover how our programs offer protection for your cash balances.<\/p>\n","protected":false},"author":68,"featured_media":5434,"template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-5433","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>Cash management \u2013 RBC Wealth Management\u2013U.S.<\/title>\n<meta name=\"description\" content=\"Manage your cash with convenient, flexible and secure accounts. Discover how our programs offer protection for your cash balances.\" \/>\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\/solutions\/cash-management\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cash management\" \/>\n<meta property=\"og:description\" content=\"Manage your cash with convenient, flexible and secure accounts. 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