Grow your money faster.

The Wealthfront Cash Account gets to work right away earning you 0.26% APY — nearly 3x the national average*.

It only takes $1 and 5 minutes to get started.


The Rubin Report listeners earn more

*Why is the rate different than what you may have heard on The Rubin Report? The cash account APY is tied to the Fed Funds Rate. When the rate moves, the cash account APY moves too. Read more

The rate is subject to change. Wealthfront is not a bank, and this account is offered by Wealthfront Brokerage. Source: as of March 17, 2020

$100+ Million

Clients have earned over

FDIC insured up to $1 million.

Unlimited, free transfers.

No fees.

No market risk.

Fast and easy setup.

Only $1 to get started.

Your cash is FDIC insured through our partner banks for up to $1 million. That’s four times the insurance that the traditional bank provides.

Move money in and out of your account as many times as you want. You can easily transfer your money directly to and from a Wealthfront taxable investment account.

Your cash is kept out of the markets, so you never have to worry about short-term volatility.

No advisory fees, no management fees, no surprises. Earn more and keep more.

It takes just a couple minutes to open an account straight from your phone.

It only takes $1 to open and there are no additional deposit requirements.

With a Cash Account, you’ll get:

in interest.

Here’s what our customers have to say:

  • Signing up for the Cash Account was a no brainer. I got an extra percent of interest over what my bank offers with no minimum balance requirement. Free money, yes please.

    - Joe Z
  • I was looking for a secure, high-interest cash account. I wasn't sure where to start, but Wealthfront couldn't have made it easier to open up an account and get started.

    - Stephanie W
  • I opened an account with Wealthfront to benefit from the high-yield savings. Only after opening did I realize I could use Wealthfront to get an easy current and future plan for my entire financial situation.

    - Kathy E

The testimonials provided above by cash account clients may not be representative of the experience of other cash account clients, and there is no guarantee that all cash account clients will have similar experiences.

The Wealthfront Cash Account Annual Percentage Yield (APY) is as of March 17, 2020. The APY may change at any time, before or after the Cash Account is opened. The APY for the Wealthfront Cash Account represents the weighted average of the APY on the aggregate deposit balances of all clients at the program banks. Deposit balances are not allocated equally among the participating program banks.

*National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings and interest checking account rates are based on the $2,500 product tier.

Cash Account is offered by Wealthfront Brokerage LLC (“Wealthfront Brokerage”) a member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and Cash Account is not a checking or savings account. Wealthfront Brokerage conveys Cash Account funds to depository institutions that accept and maintain such deposits. The cash balance in the Cash Account is swept to one or more banks (the “Program Banks”) where it earns a variable rate of interest and is eligible for FDIC insurance. FDIC insurance is not provided until the funds arrive at the Program Banks. While funds are at Wealthfront Brokerage, and before they are swept to the Program Banks, they are subject to SIPC’s protection limit of $250,000 for cash. FDIC insurance coverage is limited to $250,000 per qualified customer account per banking institution.

Wealthfront Brokerage uses more than one Program Bank to ensure FDIC coverage of up to $1 million for your cash deposits. For more information on FDIC insurance coverage, please visit Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The deposits at Program Banks are not covered by SIPC. This is not an offer, or solicitation of any offer to buy or sell any security, investment or other product.


The testimonials provided above by cash account clients may not be representative of the experience of other cash account clients, and there is no guarantee that all cash account clients will have similar experiences.

Wealthfront, Wealthfront Advisers LLC and Wealthfront Brokerage are wholly owned subsidiaries of Wealthfront Corporation.

© Copyright 2020 Wealthfront Corporation

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