Personalized Banking and Credit
Complementing your U.S. Trust® relationship
Just as your wealth planning and investment needs demand insightful, sophisticated solutions, your banking and credit needs deserve the same level of expertise and attention. At U.S. Trust, we offer a wide array of banking and credit capabilities — and industryleading ATM, online and mobile access — all designed to integrate smoothly into your overall financial strategy and U.S. Trust relationship.
BANKING SOLUTIONS: CONVENIENCE AND FLEXIBILITY
Checking accounts — Core deposit accounts help you coordinate and monitor your individual and business cash flows. Choose from a variety of checking solutions and services to complement your need for access and convenience:
- Premium Tiered Interest Checking1 — Can help you meet your cash management objectives while earning a competitive rate. The higher your balance, the more you earn.2
- U.S. Trust debit card—A debit card with the Total Security Protection® package and optional Photo Security® feature available for an easy, secure way to make purchases.
- Direct deposit — Direct deposit of regular monthly income into your accounts adds convenience, accelerates the availability of cash and enhances security.
Savings accounts — We offer savings vehicles that are designed to pay competitive rates of interest on funds you have not committed to your investment portfolios. Solutions include certificates of deposit, which offer an attractive return for a certain term, and money market savings, which offer liquidity and a variable rate with higher rates paid for higher balance tiers.
Overdraft Protection — An optional service that links your Premium Tiered Interest Checking account to another Bank of America®account, such as a secondary checking account, savings account, credit card account or home equity line of credit where available, and automatically transfers available funds to cover your transaction amount.3
BANKING BENEFITS THAT REWARD YOU FOR YOUR FINANCIAL RELATIONSHIP
As a U.S. Trust client, you can enjoy banking privileges that include waivers and discounts on many day-to-day cash management services, such as ATM and wire transfer fees.
Please contact your advisor to learn more about the banking privileges available to you.
CREDIT SOLUTIONS: FINANCING FLEXIBILITY FOR BOTH SIMPLE PURCHASES AND COMPLEX GOALS
Mortgage — Residential real estate can play an important part of your overall strategy to build and manage wealth. In addition to meeting your residential real estate needs, the right mortgage can be pivotal in estate planning, as well as factoring in or preparing for rising interest rates. Your advisor can help you ensure that whatever solution you choose complements your unique circumstances.
Home equity lines of credit — This credit tool can be used to fit your liquidity needs and may also offer the advantage of tax-deductible interest.4
Bank of America Accolades® American Express® Card5 — U.S. Trust provides exclusive access to the Bank of America Accolades American Express Card. This card, which has been specifically designed for our clients, offers a unique combination of service, opportunities and rewards.
Private Client Line6 — A flexible line of credit, secured by your investment management accounts at U.S. Trust. The Private Client Line is designed to help you meet liquidity needs and enhance your cash flow without depleting cash reserves or compromising your investment strategy.
Custom credit — Your U.S. Trust advisor can focus on both sides of your balance sheet and can advise you on credit as well as investment strategies. Your advisor can work with credit specialists to design credit solutions using different types of assets as collateral customized to your liquidity needs, long-term objectives and tax situation.
ATM, ONLINE AND MOBILE SERVICES: ENHANCING YOUR ACCESS TO FUNDS AND INFORMATION
ATMs and banking centers — Access thousands of Bank of America ATMs and banking centers for your banking needs.
Online Banking — Bank quickly and securely online 24/7 to view balances, request transactions, pay bills, monitor account activity, and more.
Mobile Banking7 — With the Bank of America Mobile Banking App customized for iPhone®, iPad®, Windows®Phone, AndroidTM handset and tablet, and Amazon®Kindle FireTM, you can view account information, transfer funds, pay bills and locate ATMs and banking centers. Plus, securely deposit checks8 and send money using a recipient’s mobile number or email address.9
For more information on any U.S. Trust capability, please contact your advisor.
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1 Checking account name is Bank of America Advantage® with Premium Tiered Interest Checking.
2 Premium Tiered Interest Checking is a variable rate account. Fees may reduce earnings. Please consult your advisor for other account fees, rates and information.
3 If you enroll in Overdraft Protection with a linked savings account, secondary checking account or Home Equity Line of Credit, there is no overdraft transfer fee. Please see your Personal Schedule of Fees for details. If you enroll in Overdraft Protection with your credit card, overdraft transfers will be Bank Cash Advances under your Credit Card Agreement and will accrue interest at the APR stated in your Credit Card Agreement. A fee may apply to each transfer. Please refer to your Credit Card Agreement for additional details.
4 Consult your tax advisor regarding interest deductibility.
5 For information about the rates, fees, other costs and benefits associated with the use of this card or to apply, please contact your advisor. This credit card program is issued and administered by FIA Card Services, N.A.
6 The Private Client Line is offered by U.S. Trust and not by or through Merrill Lynch, Pierce, Fenner & Smith Incorporated. Credit is subject to approval. Normal credit standards apply.
7 You must first enroll in Online Banking and set up Transfers and Bill Pay. Wireless carrier fees may apply.
8 You must first enroll in Online Banking and download the Mobile App. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply. See Terms & Conditions for details, including information on funds availability. Wireless carrier fees may apply. Currently available via the Bank of America Mobile Banking App for iPad®, iPhone®, Android™ phones and tablets and Windows® phones only. Requires at least a 2-megapixel camera. This feature is not available on the Mobile Website. Eligible banking account types that can use the mobile check deposits service include any retail or small business Bank of America checking or savings account.
9 You must have a Bank of America checking or savings account to send money with this service. Email and Mobile Transfers can only be made to persons with US-based consumer bank accounts. Recipients have 14 days to register to receive money or transfer will be cancelled. You must first enroll in Online Banking, and enroll in Email and Mobile Transfers. Dollar and frequency limits apply. See the Online Banking Service Agreement for details, including cut-off and delivery times.
AR-AR7A4A09 | EXP-2014.05.09