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.

    Important disclosure information about RBC Cash Plus 

  • RBC Insured Deposits
    Maintain cash liquidity for investment opportunities or other personal needs while enjoying the peace of mind of 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.

    Important disclosure information about RBC Insured Deposits

  • 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. Benefit from several flexible options for easy access to your cash and credit, including the Visa® Platinum Debit Card, check-writing and electronic funds transfer. Choose from competitive cash sweep options, plus leverage your securities to meet your short-term borrowing needs – all in one comprehensive account.

    Important information about Investment Access Account 

A Fresh Look at Credit

Chances are good when you think about managing your wealth your attention is drawn to the asset side of your personal balance sheet. Yet it’s equally important to remember credit can be a useful tool to help achieve your wealth management goals. You can borrow against eligible securities in your portfolio without interrupting your long-term plans.

Credit strategies may provide fast, convenient access to cash. Once you know how much you can borrow, securities-based lending may help you to:

  • Seize timely investment opportunities
  • Fund real estate purchases or make business investments
  • Refinance higher-interest debt

RBC Wealth Management offers two types of securities-based lending:

  • RBC Express Credit
    RBC Express Credit allows you to borrow against the cash value of eligible securities in your accounts. 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.

    Important disclosure information about RBC Express Credit

  • RBC Premier Line of Credit
    The RBC Premier Line of Credit is a revolving line of credit with no organization or servicing fees. The line is secured by one or more of your eligible investment accounts. It features competitive LIBOR-based* interest rates that are historically lower than the prime rate, which U.S. banks charge their most creditworthy-customers. Your financial advisor will work closely with a dedicated credit specialist to ensure your cash flow needs are met while maintaining the integrity of your investment portfolio.

    Important disclosure information about RBC Premier Line of Credit

* LIBOR is derived from an average of daily self-estimates of borrowing costs supplied by a small group of large global banks. Royal Bank of Canada is a participant in the LIBOR-setting panels tied to the US dollar, the British Pound and the euro.

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Non-deposit investment products offered through RBC Wealth Management are not FDIC insured, are not a deposit or other obligation of, or guaranteed by, a bank, and are subject to investment risks, including possible loss of the principal amount invested.