Customers Rating: 
Raymond James Account Fees and Charges
| Annual maintenance fee | Up to $50 |
You can receive a $15 account fee credit when you choose online document delivery and meet eligibility requirements.
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 fee | Up to $50 |
Profit sharing, money purchase or 401(k) fee
- Employee account
- Employer account
|
$30
$75
|
|
You can receive a $15 account fee credit when you choose online document delivery and meet eligibility requirements.
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 |
$75 |
| 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 |
$20
$40 |
| Mailgram | $10 |
| 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 |
$100
$50 |
| Retirement account termination fee | $100 |
| Exchange fee | Amount varies |
Raymond James Service Fees
| Certified or Cashier’s Check
Waived for clients with eligible assets totaling $500,000 or greater. |
Outgoing Wiring Funds
Domestic
Foreign |
$25
$40 |
| Early Payout of Money | $25 plus interest |
Check Disbursement
Standard
Overnight
Saturday |
No charge
$20
$30 |
| International Foreign Exchange Conversion | The costs for this service are built into the foreign exchange rate. |
| Short Sales | Contact your financial advisor for fees that may be associated with borrowing shares. |
Raymond James Capital Access Account Fees
Annual fees
You can receive a $15 account fee credit when you choose online document delivery and meet eligibility requirements. The annual Capital Access fee is waived for clients with eligible assets totaling $500,000 or greater, clients who make average monthly direct deposits of $1,000, or clients who have other Capital Access-eligible fee based accounts. The annual fee is assessed one year after the account is established and every anniversary thereafter.
Capital Access: $150
Service fees
Insufficient Funds: $35
ATM surcharge fees
Clients are reimbursed up to $200 in ATM surcharge fees per year. Clients with eligible assets totaling $500,000 or greater are reimbursed an unlimited amount 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 writing | No 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 |
$5,000 |
| Monthly Service Charge if Balance Not Maintained | $10 |
Automatic Teller Machine (ATM)
Usage After Monthly Allocated Free Usage | $1.25 |
| Bank Checks for Bank Clients | $10 |
| Bank Checks for Nonbank Clients | $15 |
| Deposit Items Returned Unpaid | $10 |
| Direct Deposit | No charge |
| Nonsufficient Funds Item | $30 |
| Overdraft Protection Transfer | $5 |
| Process Transfer to Beneficiary(ies) Upon Death | Up to $200 |
| Teledirect® Telephone Banking | No charge |
| Stop Payment | $30 |
| Uncollected Funds | $30 |
| Domestic wire transfer |
| Incoming | $10 |
| Outgoing | $20 |
| Foreign wire transfer |
| Incoming | $35 |
| Outgoing | $50 |
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 Rates
| Debit Balance | Annual Interest Rate |
| $10 million and above | Base Rate* less 1.25% |
| $5 million — $9,999,999.99 | Base Rate less 1.00% |
| $1 million — $4,999,999.99 | Base Rate less 0.75% |
| $500,000 — $999,999.99 | Base Rate less 0.50% |
| $250,000 — $499,999.99 | Base Rate plus 0.25% |
| $100,000 — $249,999.99 | Base Rate plus 0.75% |
| $50,000 — $99,999.99 | Base Rate plus 1.50% |
| $25,000 — $49,999.99 | Base Rate plus 2.50% |
| Under $25,000 | Base Rate plus 2.75% |
* - As of March 29, 2019, Base Rate equals 7.00%.
Raymond James Fees Disclaimer
Raymond James fees are subject to change. For the most up-to-date information visit the official
Raymond James
website.
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