Cash and credit solutions

Accessible cash, working for you

Cash plays an important role in your overall financial picture. From keeping up with daily expenses, to seizing new investment opportunities or managing unexpected events, RBC Wealth Management offers a full suite of cash management solutions. Select from one or more of our well-designed solutions to meet your changing cash needs.

  • RBC Cash Plus
    Want to make your money work harder for you? Earn a competitive rate backed by the strength and stability of Royal Bank of Canada. RBC® Cash Plus sweeps your balances into interest-bearing, deposit accounts at a U.S. branch of RBC.
  • RBC Insured Deposits
    Maintain cash liquidity for investment opportunities or other personal needs with Federal Deposit Insurance Corporation’s (FDIC) coverage for non-retirement accounts of up to $5,000,000 and $10 million for accounts held jointly by two or more persons. RBC® Insured Deposits sweeps cash in interest-bearing accounts at FDIC-insured banks, all managed for you by RBC Wealth Management. Please note that deposits exceeding $5,000,000 may be uninsured.
  • Investment Access Account
    Manage your cash and investments in one convenient place. The Investment Access® Account keeps your cash working for you at all times. Enjoy the benefits of a Visa® Platinum Debit Card with Apple Pay®, check-writing, online bill pay, electronic funds transfer – and a mobile app to help you manage your cash on the go. Choose from competitive cash sweep options, plus leverage your securities to meet your short-term borrowing needs – all in one comprehensive account.

A fresh look at credit

Credit strategies may provide fast, convenient access to cash to help you achieve your financial goals. You may be able to borrow against eligible securities in your portfolio without interrupting your long-term wealth management plan. Once you know how much you can borrow, securities-based lending may help you:

  • Prepare financially for the unexpected
  • Seize timely investment opportunities
  • Fund real estate purchases or make business investments
  • Refinance higher-interest debt

RBC Wealth Management offers securities-based lending, and your financial advisor will work closely with you and a dedicated credit specialist to address your cash flow needs while maintaining the integrity of your investment portfolio.

  • RBC Credit Access Line
    An RBC Credit Access Line offered by the Royal Bank of Canada is a strategic source of financing for a broad range of contingency planning. Whether it is for emergency cash or to fund a life goal, you can gain fast access to the money you need by borrowing against the value of eligible securities in your portfolio. As an interest-only loan, you can repay the balance as your financial life permits. Featuring competitive interest rates, it is easy to apply for, there is no cost to set up and no fees until you take a draw.
    • Variable-and fixed interest rates available.
    • Available from $75,000.
    • Minimum initial draw is $1,000 via ACH and $75,000 via wire transfer.
  • RBC Express Credit
    RBC Express Credit allows you to borrow against the cash value of eligible securities in your accounts. Used with an RBC Investment Access® Account, it offers quick, easy access to cash, with no processing delays, closing costs or credit history review. Plus, you set your own repayment terms and pay off your balance when it fits your needs.

RBC Cash Plus is an automated cash sweep option that sweeps un-invested cash balances in clients' accounts into interest-bearing deposit accounts at the RBC Three World Financial Center Branch located in New York, a U.S. branch of Royal Bank of Canada, a Canadian bank. Funds on deposit at the Branch are not insured by the Federal Deposit Insurance Corporation (FDIC), Securities Investor Protection Corporation (SIPC) or any governmental agency of the United States, Canada or any other jurisdiction. RBC Cash Plus availability is subject to certain restrictions.

RBC Insured Deposits availability is subject to certain restrictions. RBC Insured Deposits is designed to provide $5 million in FDIC coverage per depositor in each insurable ownership capacity. Each deposit account constitutes a direct obligation of the program bank and is not directly or indirectly an obligation of RBC Wealth Management.

Cash sweep options in an Investment Access Account may invest in money market funds. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although the funds seek to preserve the value of the collateral supporting your investment at $1.00 per share, it is possible to lose money by investing in the funds. Investors should consider the investment objectives, risks and charges and expenses of a fund carefully before investing. Prospectuses containing this and other information about the fund are available by contacting your RBC Wealth Management financial advisor.

RBC Credit Access Line is a securities-based, demand line of credit offered by Royal Bank of Canada, an Equal Opportunity Lender and a bank affiliate of RBC Capital Markets, LLC. Subject to Credit Approval. Securities-based loans involve special risks, are subject to minimum collateral requirements, and are not suitable for everyone. Additional restrictions may apply.

RBC Express Credit is a margin product that may not be suitable for all investors because borrowing on margin and using securities as collateral involves certain risks. Market conditions can magnify any potential for loss and potential returns on investments may be negatively impacted by the costs associated with RBC Express Credit Accounts.


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.

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