Private Business

• Services for Business Owners
  • Lending Services
  • Cash Management
  • Retirement Planning
  • Succession Planning
  • Liquidity Strategies
  • Investment Strategies
  • Frequently Asked Questions
• Capital Strategies Group
  • Who is Capital Strategies Group?
  • The Investment Banking Process
  • A Window of Opportunity
  • Frequently Asked Questions
• Business FMA
  • Manage Cash Flow
  • Access Your Funds
  • Monitor Your Finances
  • Simplify Business Administration
  • Business FMA at-a-Glance

Business Financial Management AccountSM

Access Your Funds

The Business FMA account offers a variety of ways to conveniently access your funds whenever you need them.

Automatic Funds Transfer (AFT)

Move funds electronically by phone or online. Simply link your Business FMA account to any account you maintain at Morgan Stanley Smith Barney, a bank, credit union or other financial institution and move your money where it needs to go with no check writing or waiting at a teller window. Available for one-time transfers or recurring payments.

Business Check Writing

The Business FMA account makes it easy to access your funds or Portfolio CreditLine® through check writing. For one annual account fee, you can write 150 checks per month and make 150 deposits each month at no additional cost ($.15 per item thereafter).

FMA Gold MasterCard

The FMA Gold MasterCard is a delayed debit card that provides access to funds in your Business FMA account at thousands of ATM's and can be used for purchases at merchants worldwide. This feature means that all transactions made during the month are debited from your account once at month end.

World Wallet®Service 1

Have foreign currency delivered to your door. This feature is great for business owners on the go. Most major currencies are available for next-day delivery (via UPS).

Free Bill Payment Service

Pay your bills online through smithbarney.com. Bills are paid directly from your Business FMA account at no extra charge.