Raymond James Review

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Raymond James Commission Structure. Brokerage Fee Schedule, IRA Account Fees, Bank Rates and Free Raymond James Investment Firm Services.

Raymond James Account Fees and Charges

Annual maintenance feeUp to $50
Waived for clients with eligible assets totaling $100,000 or greater. This fee is not applicable to the following types of accounts:
  • Raymond James & Associates IRAs and qualified plan accounts
  • Capital Access cash management accounts
  • Raymond James Trust accounts
  • Fee-based managed and advisory accounts
  • 529 plan accounts
  • Guardianship and conservatorship accounts
  • Accounts open less than 12 months

Raymond James & Associates Retirement Account Fees

Traditional, Roth, SEP or SIMPLE IRA feeUp to $50
Profit sharing, money purchase or 401(k) fee
  • Employee account
  • Employer account

Waived for clients with eligible assets totaling $500,000 or greater and for fee-based managed and advisory accounts. These fees apply to the above-listed retirement account types only.
Guardianship/Conservatorship account fees
Restricted annual fee$150
Non-restricted one-time set-up fee 5
Annual pledged account fees
For accounts with market value of $25,000 or above$75
For accounts with market value less than $25,000$150

Raymond James Processing Fees

Handling/processing fee$5.95
Returned deposit items (Check and ACH)$20
Extensions for payment or securities received after settlement date First Extension
Second Extension

Foreign security processing$150
Re-registration of physical certificates$150
Physical certificate deposit rejects
Retirement account manual investment fees$150
Transfer fees
Transfer of an account from Raymond James
Transfer of a foreign security

Retirement account termination fee$100
Exchange feeAmount varies

Raymond James Service Fees

Certified or Cashier’s Check Waived for clients with eligible assets totaling $500,000 or greater.
Outgoing Wiring Funds

Early Payout of Money$25 plus interest
Check Disbursement Standard

No charge
International Foreign Exchange Conversion
Short Sales

Raymond James Capital Access Account Fees

Annual fees
The annual Capital Access fee is waived for clients with eligible assets totaling $500,000 or greater. Eligible assets of $250,000-$500,000 receive a $100 annual credit with a minimum $500 monthly direct deposit. The annual fee is assessed three months after the account is established and every anniversary thereafter.
Capital Access$$100
Capital Access plus Rewards$$150
Capital Access Premium plus Rewards$300
Service fees
Insufficient Funds$30
Returned Deposit$20
ATM surcharge fees
Clients with eligible assets totaling $500,000 or greater are reimbursed up to $200 in surcharge fees per year. Eligible assets of $250,000-$500,000 are reimbursed up to $100 in surcharge fees per year. Standard ATM fees will apply after reaching maximum reimbursement amount for the year.

Raymond James Bank Fees

Raymond James Bank with check writingNo service charge
Choice rate checking account
Minimum Daily Balance to Avoid Service Charge$1,000
Average Daily Balance to Avoid Service Charge$1,500
Minimum Combined Balance in Any
Raymond James Bank Deposit Account to Avoid Service Charge

Monthly Service Charge if Balance Not Maintained$10
Automatic Teller Machine (ATM)
Usage After Monthly Allocated Free Usage
Bank Checks for Bank Clients$10
Bank Checks for Nonbank Clients$15
Deposit Items Returned Unpaid$10
Direct DepositNo charge
Nonsufficient Funds Item$30
Overdraft Protection Transfer$5
Process Transfer to Beneficiary(ies) Upon DeathUp to $200
Teledirect® Telephone BankingNo charge
Stop Payment$30
Uncollected Funds$30
Domestic wire transfer
Foreign wire transfer

Raymond James Complimentary/Free Services

The following services are available to clients of Raymond James financial advisors for no additional charge.
Online account access through Investor Access (raymondjames.com/investoraccess)
  • Secure, paperless account documents
  • Downloads to Quicken® and CSV (comma-delimited) files
  • Award-winning investment research and commentary

Cost basis information (helpful at tax time)
TurboTax® data imports
Your choice of account statements
Your choice of cash sweep programs
Account linking (for mailing purposes and fee discounts)
ACH funds transfers
Direct deposit
Automated required minimum distributions
Transfer to beneficiary services
Dividend reinvestment

Raymond James Margin loans

Debit BalanceAnnual Interest Rate
$10 million and aboveBase Rate* less 1.25%
$5 million — $9,999,999.99Base Rate less 1.00%
$1 million — $4,999,999.99Base Rate less 0.75%
$500,000 — $999,999.99Base Rate less 0.50%
$250,000 — $499,999.99Base Rate plus 0.25%
$100,000 — $249,999.99Base Rate plus 0.75%
$50,000 — $99,999.99Base Rate plus 1.50%
$25,000 — $49,999.99Base Rate plus 2.50%
Under $25,000Base Rate plus 2.75%

* - As of January 25, 2018, Base Rate equals 6.25%.

Raymond James fees are subject to change. For the most up-to-date information visit he official Raymond James website.

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