Transaction Information | Customer Service FAQs | T. Rowe Price
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  1. Your account must have purchase privileges established.
  2. Your banking information must be on file for at least 10 calendar days before a purchase can be made from that bank account.


  1. Your account must have exchange privileges established.
  2. Both accounts must be identically registered (unless you are making an IRA contribution from a non-IRA).
  3. An exchange into a new fund must be conducted with a representative if the existing account has:
    1. Automatic investing through payroll deductions
    2. Monthly redemptions or systematic withdrawals (IRAs only)
    3. Dividends invested in other funds
    4. An additional mailing address for account statements
    5. Dividends mailed to a third party.


  1. Your account must have redemption privileges established.
  2. If you want to receive your proceeds through Automated Clearing House (ACH) or wire, your bank information must be on file for at least 10 calendar days before a redemption can be made.
  3. If you want to receive your proceeds by check, your address of record must not have been changed within the past 15 calendar days.
  4. Some funds charge redemption fees. Please see the prospectus for more information.

Log In to view or update your account:

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Log In to your account to view pending transactions.

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Log In to your account to contribute additional money to your IRA.

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If you do not have an existing IRA with T. Rowe Price, you may Open a New IRA.

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View current contribution limits.

Log In to view the dollar amount of your current and prior-year IRA contributions.

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Transactions are posted overnight, and the exact time of completion varies, but you generally should be able to view most trade information on the next business day following the trade date.

Because exchanges are a two-step process (a redemption and a purchase), the purchase may appear in the Account Access section later than the redemption. If you do more than one exchange on the same day, your exchanges may not be available for viewing at the same time.

View Pending Transactions Online:

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Log In to your account to view and cancel pending transactions.

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Note: Transactions may be canceled until the market close (usually 4 p.m. ET) on their trade date. Once the market has closed on the trade date, the transaction can no longer be canceled.

If you are wiring funds to T. Rowe Price into a retail mutual fund account (non-401(k)), a T. Rowe Price College Savings Plan 529 account, or a University of Alaska College Savings Plan 529 account, please use the following information:

Bank Name: Bank of New York, N.A. (New York)

  1. ABA Routing Number: 021000018
  2. Beneficiary Name: T. Rowe Price plus the fund name (e.g. Equity Income Fund, Prime Reserve Fund, etc.) or multiple funds
  3. Beneficiary Account Number: 8900624809
  4. Originator to Beneficiary Information (OBI): Shareholder's account registration and number (account number must be included)

Note: For IRAs, include additional instructions in the OBI specifying current- or prior-year or rollover.

If you are wiring funds to T. Rowe Price into a Maryland College Investment Plan 529 account, please use the following information:

  1. T. Rowe Price Services, Inc.
  2. Bank Name: M&T Bank (Buffalo, NY)
  3. ABA Routing Number: 0220-0004-6
  4. Account Number: 970241438
  5. FBO (account number)
  6. SWIFT Code for International Wires for M&T: MANPUS33

Note: Wires can be used to fund a new account or to make additional purchases into existing accounts. If funding a new account, the new account must be established before sending the wire. When sending an international wire, the wire must first be sent through a U.S. correspondent bank. Each foreign bank has a corresponding U.S. bank that they process wires through.

Bank Address:
M&T Bank
110 S. Paca Street
Baltimore, MD 21201

  • A purchase (buy) is the act of investing money into a new or existing account.
  • A redemption (sell) is a request to sell shares of a mutual fund. Redemptions may or may not result in capital gains.
  • An exchange is a request to sell money from one account and invest it into another identically registered account in a different fund. Log In to place a transaction in your account.

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T. Rowe Price makes it easy to compare a Roth IRA to a Traditional IRA to see what best fits your retirement savings plan. Our IRA Selection Tool helps you select the appropriate IRA type for your age, marital status, and annual income. You can also browse our IRA information page for a general comparison.

Your RMD is calculated by dividing your account balance on December 31 of the previous year by your age-based factor for the calculation year. Your age-based factor can be found using the appropriate IRS Life Expectancy table: Table 1, Table 2, Table 3. Since these factors change each year, your RMD must be recalculated every year.

Use our online RMD Calculator to estimate your distributions.*

For additional information and tools, see the RMD Basics information on our website.

*This calculator is for informational purposes only. Your actual RMD amount may differ. Please contact a T. Rowe Price retirement specialist at 888-421-0563 if you have questions.

Although the IRS allows you to take all IRA assets into account with this calculation regardless of where they are held, the personal RMD calculations provided by T. Rowe Price are based only on the assets that are currently held at our firm.

When you sell shares in a non-retirement mutual fund by selling or exchanging, a taxable event occurs. For specific information on what tax implications may apply, visit the Tax Issues for Mutual Fund Investors page.

In general, distributions from a traditional IRA are taxable in the year you receive them. Distributions from your traditional IRA may be fully or partly taxable as ordinary income, depending on whether your IRA includes any nondeductible contributions. If you are under the age of 59½, you may be subject to a 10% early withdrawal penalty as well.

For a Roth IRA, a qualified distribution is generally not a taxable event. If you receive a distribution from your Roth IRA that is not a qualified distribution, part of it may be taxable. If you are under the age of 59½, you may be subject to a 10% early withdrawal penalty.

Please consult a tax advisor for assistance on actual taxes owed.