Upgrade your banking. Earn 5x more

The Wealthfront Cash Account earns 0.35% APY, over 5x the national average per And it comes with checking features you need like setting up direct deposit, the ability to pay your bills, and a debit card to access your money quickly.

As featured in

Investopedia readers, it’s the one account you need to earn more interest and manage your money with ease.

Get checking features first

Wealthfront Brokerage LLC may compensate Investopedia for referring you. Please read the disclosure statement at the bottom of this page for additional information. By clicking on “Start Saving” above, you agree and acknowledge that you have received the full disclosure statement below. The Wealthfront Cash Account is a product offered by Wealthfront Brokerage in partnership with Green Dot Bank.

Earn more, keep more.

WIth 0.35% APY, more than 5x the national average per, and no account fees, you’ll earn more and keep more of your hard earned money.

Get paid up to two days early.

Set up your direct deposit with the Cash Account and get your paycheck up to two days early. The earlier you get your paycheck, the more time you have to earn interest. 


When you open a Cash Account, you'll also enjoy these benefits.

Access your cash anytime

Spend directly from your Cash Account.

Or get cash anytime from 19,000 fee‑free ATMs.

Unlimited free transfers

Easily move money to your investment and other accounts whenever you want.

4x the typical FDIC insurance

Through our partner banks your cash is insured up to $1 million.

No account fees

Skip the typical banks. Keep what you earn.

Why Wealthfront?

We have a new vision
for your money.

At Wealthfront, we want to optimize your money across spending, savings, and investments and put it all to work effortlessly. We call this vision Self-Driving Money™. With Self-Driving Money™, once you’ve direct deposited your paycheck to Wealthfront and paid your bills from your Cash Account, our software will optimize every remaining dollar. With the click of a button, you’ll be able to let us automatically move your money to the most appropriate accounts for your lifestyle and goals.

We work with our partner Green Dot Bank, Member FDIC, to deliver checking features for the Cash Account.

Checking features for the Cash Account are subject to identity verification by Green Dot Bank. Debit Card is optional and must be requested. Wealthfront Cash Account Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Wealthfront products and services are not provided by Green Dot Bank. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank, Green Dot Bank 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. Green Dot is a registered trademark of Green Dot Corporation. ©2021 Green Dot Corporation. All rights reserved. 

Early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. Interest does not begin accruing until funds arrive at the program banks, which may take up to one business day.


Other fees apply to the debit account. 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. Please see the Deposit Account Agreement for details.

Other eligibility requirements for mobile check deposit may apply.


Apple Pay, Face ID and Touch ID are trademarks of Apple Inc. Google Pay is a trademark of Google LLC.

The Annual Percentage Yield (APY) for the Cash Account 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.

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. We convey funds to institutions accepting and maintaining deposits. Investment management and advisory services are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC registered investment adviser, and financial planning tools are provided by Wealthfront Software LLC (“Wealthfront”).

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. FDIC insurance coverage is limited to $250,000 per qualified customer account per banking institution. Wealthfront 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.

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 or its affiliates 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.

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

© 2021 Wealthfront Corporation. All rights reserved.