How to Fund Your Account

There is no minimum investment for domestic accounts. For international accounts Regal require a low minimum of $5,000 equity in any combination of US dollars and/or US exchange traded securities. Regal does not require a minimum balance to be maintained and does not charge maintenance fees for inactive accounts.

Accounts may be funded by wire transfer, check, stock certificate or account transfer. Money orders, third party checks and starter checks are not accepted. Funds must accompany your account application.

Account processing will occur within one (1) business day after receipt of account paperwork. Once your account has been approved, cleared funds are required to begin trading. All checks including certified and cashier's checks require a minimum of 5 business days to become available for investing. For options trading, a minimum of 7 business days is required.

Checks

Stock Certificates

Make all checks payable to:
Penson Financial Services, Inc.

When making deposits into your IRA, please include the IRA Deposit Slip.

Important Note: Cashier's Checks must have the remitter's name electronically printed directly on the check by the issuing bank.

Money orders, third party checks and starter checks are not accepted.

For security reasons, initial deposits have a 10 business day hold before they can be withdrawn.

To endorse stock certificates over to Regal:

On the back of the stock certificate, enter Penson Financial Services, Inc.as the attorney to transfer the stock.
Each person registered on the stock certificate must sign the back exactly as printed on the front, including initials, suffix, etc.
Date the certificate.

If you have any questions regarding stock certificates, please call customer service at 1-800-92-REGAL.

Wire Transfer

Incoming Wire Instructions (USD):

JP Morgan Chase Bank
ABA 021000021
F/A Penson Financial Services
ACCT #066-6-00030
FFC: Customer Acct # & Customer Name

Important Note: If you use these instructions with foreign currency, it will automatically be converted to USD.

Incoming Wire Instructions (Other than USD):

Chase Manhattan Bank, NYC
Swift # CHASUS33
FAO Penson Financial Services
ACCT 066600030
FFC: Customer Acct # & Customer Name