The Foundation for Your Financial Needs

Today, more and more investors are discovering that the key to successfully managing their cash and investments is by establishing one convenient, flexible and comprehensive account as the foundation for their finances. An Investment Access Account can provide this foundation. It’s an account that provides you with what you need, when you need it.


Easy Access to Cash

When you don’t need your cash, it should be working for you. But when you need money, it should be easily accessible. And when your money needs to move from one place to another, the more automatic the better. The Investment Access Account provides several options for easily accessing your cash. Some of these options include:


Visa Platinum Debit Card

Your Investment Access Account includes a Visa® Platinum Debit Card that provides convenient access to your cash combined with enhanced fraud protection and platinum level benefits.

Enhanced fraud protection — Every time you make a purchase at a chip-activated terminal, a unique transaction code is created, which prevents this data from being used fraudulently if it is stolen.

Liability protection — With Visa’s Zero Liability Policy, if your card is lost or stolen, you are protected against unauthorized use. 1

Platinum benefits — Use the complimentary 24/7 concierge service for restaurant reservations, event tickets, travel arrangements and more.

With worldwide acceptance, you can feel confident using your Visa Platinum Card everywhere you shop, dine or travel.

Additionally, your Visa Platinum Debit Card includes:

  • Instant access to cash at more than 800,000 ATM locations and 400,000 banks worldwide;
  • Immediate cash back when making point-of-sale (POS) transactions using your PIN at participating merchants;
  • Free ATM access at PNC Bank and ATMs displaying the MoneyPass logo;
  • No foreign transaction fee when using your card overseas; and
  • Extended warranties on items purchased with your card, travel and emergency assistance, auto rental insurance and other services.


Online Bill Pay

Online Bill Pay is an electronic bill payment service that enables you to pay your bills electronically. Use this service with your account(s).2 No paper checks, no stamps, no rushing to the mailbox to get the envelope postmarked in time. Simply set up your payees and you are ready to go. This service is offered at no charge3 to our clients. Visit or follow the online enrollment link found on our client account website. If you don’t currently have online access to your accounts, please ask your financial advisor to help you sign up today.



Investment Access Account check-writing privileges offer exceptional benefits, including:

  • Your first set of standard checks free of charge;
  • No per-check charges;
  • Budget planning with help from check expense tracking;
  • Check payee information; and
  • Online check copies.


Electronic Funds Transfer

As a client, you have a wealth of opportunities available to automate the movement of funds, including Automated Clearing House (ACH), wire transfers, and Online Bill Pay.


Easy Access to Credit

If your Investment Access Account includes RBC Express® Credit, you have immediate access to credit by writing a check or using your Visa Platinum Debit Card. You may borrow up to 50 percent of the value of eligible securities in your account. It’s an easy way for you to help meet short-term borrowing needs, make larger purchases or leverage your securities to make additional investments. Ask your financial advisor for more information on RBC Express Credit.


Simple, Comprehensive Account Management Tools

As the foundation for your investment needs, your Investment Access Account provides several features for tracking your portfolios. Whether you want to keep close tabs on your account or are only interested in the “big picture,” this simple yet comprehensive account management tool provides the information you need, when you need it. These options include online access to your account, plus monthly and annual statements.

Features of the account statement include:

  • Securities activity;
  • Interest, dividends, withdrawals and deposits;
  • Current portfolio holdings;
  • Visa Platinum Debit Card activity;
  • Check payee coding; and
  • Expense tracking.


Put Your Money to Work Immediately

A key benefit of the Investment Access Account is that it keeps your money working for you all of the time. The cash in your account will automatically sweep into the cash or money market option you have selected. Choose cash investment options, including an FDIC-insured cash sweep.



The Investment Access Account annual fee is $125, but will be waived when the client household balance exceeds $200,000.


One Account That’s Always Working for You

Make the Investment Access Account your foundation and you’ll have easy access to the unprecedented opportunities in today’s investment markets.

Talk to your financial advisor today about the benefits of an Investment Access Account.

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 financial advisor. Please read the prospectus carefully before investing to make sure that the fund is appropriate for your goals and risk tolerance.

RBC Correspondent Services and/or RBC Advisor Services is not a tax or legal advisor. All decisions regarding the tax implications of your investments should be made in connection with your independent tax, legal or estate planning advisor.

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 your investment at $1.00 per share, it is possible to lose money by investing in the funds.

RBC Express Credit is a margin product and may not be suitable for all investors. If the securities in your account decline in value, so does the value of the collateral supporting your loan, and, as a result, the firm can take action, such as to issue a margin call and/or sell securities or other assets in any of your accounts held with the member, in order to maintain the required equity in the account. Before you sign a Margin Agreement, it is important that you read and fully understand the Margin Disclosure Statement, which describes additional risks involved in trading securities on margin.



  1. Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
  2. Foreign and Retirement accounts, such as an IRA, are not eligible to be funding accounts.
  3. Basic bill presentment and bill payment are provided at no charge. Value added services such as overnight payments, invoice scanning and data CDs have a usage charge.
RBC Correspondent Services and/or RBC Advisor Services, divisions of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC, may provide custody services for accounts managed by your financial advisor. The referenced product or service is available through that relationship.
© 2015 RBC Capital Markets, LLC. All rights reserved.