Wealthfront | Earn 3.95% APY on your cash right until you need it

The Direct Deposit Plus Investing Program (“DDI Program”) from Wealthfront Advisers LLC and Wealthfront Brokerage LLC, (collectively “Wealthfront”) provides eligible clients a 0.25% APY increase above the current base APY (paid by Program Banks) on total eligible Cash Account balances. Wealthfront may change or end the program at any time and determines eligibility at its discretion. See wealthfront.com/promo-terms for full details.

To qualify, eligible clients must: (i) maintain a personal individual or joint Cash Account in good standing with at least $1,000 in settled and cleared recurring monthly ACH direct deposits of income, and (ii) maintain a funded personal, joint, or trust investing account in good standing with Wealthfront Advisers. The 0.25% APY increase applies only while these requirements continue to be met.

The APY rates and other information listed are as of January 30, 2026 and are subject to change. High Yield Savings Accounts were chosen based on being top rated by popular personal finance review platforms such as Bankrate and Nerdwallet.

Investing involves risks. Securities investments are not bank deposits, are not bank guaranteed or FDIC-insured and may lose value.

The Base APY for the Cash Account is 3.30% as of January 30, 2026 but is variable and is subject to change.

1. 0.65% new client boost: Available for 3 months on balances up to $150,000 in your Cash Account.

2. 0.25% APY increase: Requires a monthly direct deposit of at least $1,000 into a Cash Account and opening and maintaining a funded, eligible investing account.

See additional promo disclosure here.

Exceptionally safe. Your money gets up to $8 million in FDIC insurance (or $16 million for joint accounts). This is possible because we aren’t a bank — we sweep your deposits to up 32 program banks (each with its own federally-insured $250,000 limit) at any given time. As a result, you get up to 32x the FDIC insurance in a Wealthfront Cash Account than you’d get with a regular bank account.

Beyond the federal backstop provided by the FDIC, we keep your money secure by complying with the rules of our federal regulators, protecting your data with robust security practices, and conducting annual third-party accounting audits.

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1. References to "Trusted Clients" totals and "Total assets" include clients with assets in products offered by both Wealthfront Advisers and Wealthfront Brokerage. "Trusted clients" and "Total assets" are as of August 31, 2025

2. Apple App Store and Google Play Store ratings are based on user ratings that are subject to change and submitted according to the applicable terms of use maintained by the Apple App Store and the Google Play Store. The Apple App Store and the Google Play Store do not utilize questionnaires or surveys and are not designed or prepared to produce any predetermined result. Users may submit ratings and verbatim feedback based on their experience with the Wealthfront application, which rating and or verbatim feedback may or may not reflect that user’s experience with the investment advisory product or service provided by Wealthfront Advisers. Reported ratings are as of August 15, 2025, and based on all user ratings submitted from February 2014 (Apple) and December 2015 (Google) through August 14, 2025. Ratings independently compiled by Apple, Inc., and Google, Inc., who receive compensation for hosting our app but not for collecting or compiling reported ratings.

3. Bankrate receives cash compensation for referring potential clients to Wealthfront Brokerage via advertisements placed on their website which could create an incentive creating a material conflict of interest. While they receive compensation for referring potential clients, the statements and rankings provided above represent independent endorsements by Bankrate, which are not directly tied to such compensation. Bankrate and Wealthfront Brokerage are not associated with one another and have no formal relationship outside of this arrangement. Bankrate’s opinions are their own. Their ratings are determined by their editorial team. Bankrate is not a client of Wealthfront Brokerage

The formula used for Best Cash Management Account takes into account the range of deposit products offered, fees, minimum balance requirements, availability of competitive APYs, the extent of ATM networks, and key digital banking features. Best Cash Management Account awards received January 10, 2023, December 12, 2023, and December 11, 2024. Wealthfront pays an annual license fee to use Bankrate’s awards in marketing materials. Learn more about their methodology and review process: https://www.bankrate.com/awards/2024/methodologies/.

4. The national average interest rate for savings accounts is 0.39% as posted on FDIC.gov, as of February 17, 2026.

Wealthfront Brokerage has partnered with Green Dot Bank to offer certain checking features including The Wealthfront Visa® Debit Card, send a check, and mobile check deposits to Wealthfront Cash Accounts. The Wealthfront Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa USA. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also offers certain Wealthfront Cash Accounts account & routing numbers which support additional checking features including bill pay, direct deposits, and payments through third-party sites. The checking features provided by Green Dot Bank for Wealthfront Cash Accounts are subject to identity verification by Green Dot Bank and the Wealthfront Visa® Debit Card is optional and must be requested. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Wealthfront brokerage and advisory services are not affiliated with Green Dot Bank.

Wealthfront Brokerage has established a relationship with UMB Bank, National Association (“UMB Bank”), Member FDIC, which may allow certain Wealthfront Cash Accounts to opt-in to a limited-purpose account number and UMB Bank routing and transit number which will enable certain withdrawals and deposits into Wealthfront Cash Accounts including bill pay, direct deposits, and payments through third-party sites through the Automated Clearing House network. Wealthfront brokerage and advisory services are not affiliated with UMB Bank.

The Cash Account is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and the Cash Account itself is not a deposit account. The Annual Percentage Yield (“APY”) on cash deposits as of January 30, 2026, is representative, requires no minimums, and may change at any time. The APY for the Wealthfront Cash Account represents the weighted average of the APY on the aggregate deposit balances of all clients at insured depository institutions that participate in our cash sweep program (the "Program Banks"). Wealthfront sweeps available cash balances to Program Banks where they earn a variable rate of interest and, subject to the satisfaction of certain conditions, are eligible for FDIC insurance.

A list of current Program Banks can be found here: [www.wealthfront.com/programbanks].

Deposit balances are not allocated equally among the participating program banks. FDIC pass-through insurance is not provided until the funds arrive at the Program Banks, and protects against the failure of Program Banks, not Wealthfront. While cash balances are at Wealthfront Brokerage, and while they are transitioning to and/or from Wealthfront Brokerage to the Program Banks, they are not eligible for FDIC pass-through insurance, but are eligible for SIPC protection, subject to the limit of $250,000 for cash. FDIC insurance coverage is limited to $250,000 for the total amount of all deposits a customer holds in the same ownership capacity per banking institution, regardless of whether those deposits are placed through Wealthfront Brokerage, so you are responsible for monitoring your total deposits at each Program Bank to avoid exceeding FDIC limits. Wealthfront Brokerage partners with more than one Program Bank to make available up to $8 million (or up to $16 million for joint accounts) of FDIC pass-through coverage for your cash deposits. For more information on FDIC insurance coverage, please visit www.FDIC.gov. 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.

Wealthfront’s APY Boost Promotion (the ”Promotion”) offered by Wealthfront Advisers and Wealthfront Brokerage, allows Eligible New Clients of Wealthfront who open eligible Cash Accounts with Wealthfront Brokerage to receive a one-time 0.65% APY increase over the then-applicable standard APY (a ”Promotional Boost“) on up to a maximum aggregate balance of $150,000 in their respective Cash Accounts with Wealthfront Brokerage (each a “Cash Account”) for three months, subject to terms and conditions as shown in the New Client Promotional Interest section of the Promotional Terms webpage. The Promotion is time-limited, and eligibility is determined based on an individual’s account activity between October 21, 2025 and a future date as to be determined in Wealthfront’s sole discretion (the ”Promotion Period“). An ”Eligible New Client“ for purposes of this Promotion is a prospective first-time Wealthfront client (i.e., a person who has never opened or held any Wealthfront account but is eligible to do so) Participants who receive a Promotional Boost through the Promotion will also automatically qualify for three concurrent months of Wealthfront Advisers’ Fee Waiver Program subject to terms and conditions.

Fee-free ATM access applies to in-network ATMs only. For out-of-network ATMs and bank tellers a $2.50 fee will apply, plus any additional fee that the owner or bank may charge. Fees and Eligibility requirements may apply to certain checking features, please see the Wealthfront Customer Debit Agreement for details. Copyright 2025 Green Dot Corporation. All rights reserved.

The domestic out-of-network ATM fee reimbursement program (the “Program”) allows Wealthfront Brokerage clients with open and funded individual Wealthfront Brokerage Cash Accounts (“Cash Account”) who have requested and received an accompanying debit card (“Debit Card”) issued by Green Dot Bank (“Green Dot”) to be eligible for certain account benefits when using their Debit Card for a domestic out-of-network ATM cash withdrawal of U.S. dollars (“ATM Transactions”) when their Wealthfront accounts, Green Dot accounts (collectively, “Accounts”), and Debit Card remain open, active, and in good standing.

Each calendar month, current eligible clients with ATM Transactions will receive a reimbursement of certain fees associated with their first two ATM Transactions. Wealthfront Brokerage will utilize its best efforts to reimburse Green Dot’s $2.50 “out-of-network fee” and up to $5.00 of any operator or owner’s fee for your ATM Transactions, up to a maximum reimbursement of $7.50 per ATM Transaction (the “Reimbursement”). Your maximum total monthly Reimbursement shall be $15.00 ($7.50 + $7.50). If an ATM operator charges fees other than out-of-network fees and/or owner’s fees, Wealthfront Brokerage will not reimburse any portion of those fees. Once the maximum total monthly Reimbursement has been reached, no subsequent out-of-network ATM fees or charges that occur that calendar month will be reimbursed. ATM Transactions completed before September 16, 2024 shall not be eligible for Reimbursement in connection with this Program. Wealthfront Brokerage reserves the right to modify or terminate the Program at any time without notice. For full details please review the Out-of-Network ATM Fee Reimbursement Terms and Conditions.

Instant and same day withdrawals may be processed through the Real-Time Payments (RTP) network or the FedNow service, enabling same day withdrawals. Real-Time Payments (RTP) transfers and FedNow instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Wealthfront doesn’t charge for transfers, but some receiving institutions may impose an RTP or FedNow fee. Processing times may vary.

Wealthfront does not charge for wire fees to title and escrow companies and accounts you own at other institutions, but the receiving entity or institution may charge a fee. For more information about wires, visit www.wealthfront.com/legal/online-transfer-agreement.

Fees and Eligibility requirements may apply to certain checking features, please see the Wealthfront Customer Debit Agreement for details.

Product images for illustrative purposes only and not intended to reflect any individual's experience, account balance, or performance. There's no guarantee all Cash Account clients will have similar experiences.

The information contained in this communication is provided for general informational purposes only, and should not be construed as investment or tax advice. Nothing in this communication should be construed as tax advice, a solicitation or offer, or recommendation, to buy or sell any security. Any links provided to other server sites are offered as a matter of convenience and are not intended to imply that Wealthfront Advisers, Wealthfront Brokerage or any affiliate endorses, sponsors, promotes and/or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated otherwise.

Investment management and advisory services are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser.

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Securities investments are not bank deposits, are not bank guaranteed or FDIC-insured and may lose value. Please see our Full Disclosure for important details.

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

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