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UBS Resource Management account review

Includes free check-writing and nationwide ATM rebates, but it has a high annual fee.’s rating: 3.5 / 5.0


The UBS Resource Management account (RMA) has a couple of attractive features, including free check-writing and nationwide ATM rebates. But it has a high $175 annual fee and uninvested funds earn a mere 0.01% to 0.02% APY, depending on your account balance.

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$175 per year


Up to 0.02%



APY0.02% on balances of $5,000,000.01+
0.01% on balances of $0 to $5,000,000
Fee$175 per year
ATM transaction fee$0
ATM fee rebatesGet reimbursed for an unlimited number of ATM fees in the US, up to $10 per transaction
Out-of-network ATM fee$0

Review by

Michael Benninger is a staff banking writer at Finder. He is a former credit analyst and longtime freelancer whose articles have been published by Intuit, Business Insider and the Los Angeles Times. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade.

Expert review

The UBS Resource Management account offered by UBS includes nationwide ATM rebates and unlimited check-writing capabilities. However, it has a high annual fee of $175, earns only up to 0.02% APY with a high balance requirement and only provides minimal FDIC protection up to $250,000.

If you have an existing investment account with UBS, the RMA might simplify your financial situation. But if you don’t already have a relationship with UBS, there’s no compelling reason to open this account.

Several other brokerages, such as Fidelity and Prudential, offer accounts similar to UBS’s RMA, but they don’t charge an annual fee. And online brokerages like M1 Finance and Wealthfront offer much more FDIC protection while letting you earn interest on uninvested funds. But if you’re looking for a cash management account that offers no monthly fees and a higher APY, look at the Aspiration Spend & Save Account. Its basic account has no monthly fee, and you can earn 3% APY on balances up to $10,000 if you spend $1,000 in debit card purchases each month.

How do I open a UBS Resource Management account?

You can only open a UBS Resource Management account by working with a UBS advisor, though you aren’t required to open a brokerage account with UBS. Here’s how to find one in your area.

  1. Go to the provider’s site and follow the steps to apply.
  2. At the bottom of the page under Contact, select Find a financial advisor.
  3. Under Search by location, enter your ZIP code.
  4. Adjust the Distance option and choose to filter by Individual Advisors, Teams or Branches.
  5. Browse through the results and contact a local advisor or office.


To open a UBS Resource Management account, you must meet these requirements:

  • At least 18 years of age
  • Citizen or resident of the US

Required information

You’ll need to provide the following information when opening an account.

  • Full name
  • Date of birth
  • Physical address
  • Phone number
  • Email address
  • Social Security number
  • Details from a government-issued ID
  • Current salary
  • Net worth

What are the benefits of a UBS Resource Management account?

The UBS Resource Management account includes several notable drawbacks that might be deal-breakers for you.
The Resource Management account has relatively few benefits compared to other cash management accounts.

  • Nationwide ATM rebates. Get reimbursed for an unlimited number of ATM fees in the US, but the maximum amount of each rebate is $10 per transaction.
  • Unlimited check-writing. This account lets you write as many checks as you’d like without any fees.
  • Bill-pay service. Not all cash management accounts come with bill pay, but with UBS you can schedule recurring payments from your Resource Management account.

What should I look out for?

  • High annual fee. This account has a $175 annual fee, which is one of the highest ongoing fees we’ve seen for a cash management account.
  • Low APY. Balances below $5 million only earn 0.01% APY, and balances of $5 million or more earn 0.02% APY. This is one of the lowest rates we’ve seen on a cash management account, especially given the high balance requirements.
  • Can’t open this account online. You must work with an adviser to open this account, though you don’t have to open a brokerage account.
  • Minimum FDIC insurance. This account offers the federal minimum level of FDIC insurance, which is $250,000. Funds that exceed this balance aren’t insured. Other like Robinhood Cash insure your funds up to $1.25 million.

Is a UBS Resource Management account safe?

Uninvested funds in the account are protected by the FDIC for up to $250,000. However, funds that exceed this balance may be at risk. Most other cash management accounts are insured for at least twice this amount, and some offer up to 10 times this level of protection.

UBS reviews and complaints

UBS is not accredited by the Better Business Bureau (BBB), which rates it a C- based on nine complaints in the past three years. And based on four customer reviews on the BBB’s website, UBS has an average rate of one out of five stars.

According to 61 customer reviews on Trustpilot’s website, UBS has an average rating of 1.8 out of five. Most reviews on both of these websites mention negative experiences with UBS’s customer support. But none of the reviews we saw specifically mention the UBS Resource Management account.

UBS’s ATM network and fees

UBS Resource Management accounts come with a debit card you can use to withdraw cash from any ATM without paying a fee to UBS. And although UBS doesn’t have its own ATM network or partner with any nationwide ATM providers, it will reimburse you for an unlimited number of ATM fees each month. UBS will reimburse you for up to $10 per ATM transaction.

Compare UBS Resource Management with other cash management accounts

Use this table to compare other cash management accounts based on their monthly fees, minimum deposits and ATM networks.

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
55,000+ free Allpoint ATMs worldwide
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $150 bonus when you spend $1,000 in your first 60 days.
Personal Capital Cash
Finder Rating: 4.4 / 5: ★★★★★
Personal Capital Cash
No access to ATMs
The Personal Capital Cash account doesn’t require a minimum balance and is federally insured for up to $1.5 million.
Brex Cash account
Finder Rating: 3.4 / 5: ★★★★★
Brex Cash account
Brex Cash is an innovative cash management account that lets business owners choose whether to save or invest funds.
Betterment Checking
Finder Rating: 3.8 / 5: ★★★★★
Betterment Checking
Unlimited national and international ATM reimbursements.
The Betterment Checking account has no fees or minimums and unlimited ATM reimbursements.

Compare up to 4 providers

How do I deposit or withdraw my money?

The UBS Resource Management account offers the standard options when it comes to moving money into or out of your account.


To open a UBS Resource Management account, you must meet these requirements:

  • ACH bank transfers. Link a checking or savings account and transfer funds into your account at any time.
  • Direct deposits. Your employer can deposit your paycheck directly into this account.
  • Incoming wire transfers. There’s no fee to accept incoming wire transfers.
  • Mobile check deposit. Deposit checks into your RMA using your smartphone and the UBS app.
  • Mail a check. Mail an endorsed check to your local UBS office and they’ll deposit it into your RMA.


  • Outgoing bank transfers. You can send money from your RMA to a linked checking or savings account.
  • ATM withdrawals. Use your UBS debit card to withdraw cash from any ATM in the world.
  • Write a check. This account includes free check-writing capabilities.
  • Outgoing wires. Your first three outgoing wire transfers are free. Additional transfers are $20 each.

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★★★★★ — Good

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★★★★★ — Subpar

★★★★★ — Poor

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Read the full methodology of how we rate checking accounts.

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