Wealthfront: Banking that streamlines your finances

Cash Account is offered by Wealthfront Brokerage, a Member of FINRA/SIPC. Wealthfront Brokerage is not a bank. APY on cash deposits as of November 15, 2024, is representative, subject to change, and requires no minimum. We convey funds to partner banks who accept and maintain deposits, provide the interest rate, and offer pass through FDIC insurance. Checking features for the Cash Account are subject to identity verification by Green Dot Bank. Debit Card is optional and may be requested. Wealthfront Visa Debit Card issued by Green Dot Bank, Member FDIC, pursuant to a license from VISA USA, Inc. Fees and Eligibility requirements may apply to certain checking features, please see the Deposit Account Agreement for details. Securities investments provided by Wealthfront Brokerage LLC, Member SIPC. Investing involves the risk of loss. Securities investments: Are not bank deposits. Are not bank guaranteed or FDIC-insured. May lose value.

The originating advertising material was sponsored and paid for by Wealthfront Brokerage LLC ("Wealthfront Brokerage"). The Money Manual and Wealthfront Brokerage are not affiliated with one another and have no formal relationship outside this arrangement. Checking features for the Cash Account are subject to identity verification by Green Dot Bank. Debit Card is optional and must be requested. Wealthfront Visa Debit Card issued, by Green Dot Bank, Member FDIC, pursuant to a license from VISA USA, Inc. Cash account is offered by Wealthfront Brokerage, a Member of FINRA/SIPC. Wealthfront Brokerage is not a bank. We convey funds to partner banks who accept and maintain deposits, provide the interest rate, and provide FDIC insurance.

Earn 4.25% Annual Percentage Yield (APY) from partner banks on all your cash.

24/7 instant withdrawals.

No account maintenance fees, no overdraft fees.

Fast transfers to your investing account.

Up to $8M of pass-through FDIC insurance provided through our partner banks.

Get cash from 19,000 free ATMs from places like Safeway, CVS, Walgreens, and more.

Pay bills with account and routing numbers.

Set up direct deposit and automate your paycheck.

Support for Venmo, Cash App, Apple Pay, Google Pay, and PayPal.

Review Wealthfront Brokerage LLC with FINRA’s BrokerCheck here

1. Wealthfront Corporation oversees Total Client Assets and Trusted Clients through Wealthfront Advisers and Wealthfront Brokerage. Wealthfront Advisers and Wealthfront Brokerage are wholly owned subsidiaries of Wealthfront Corporation.

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 July 7 2024 and based on all user ratings submitted from February 2014 (Apple) and December 2015 (Google) through July 2024. 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.

Bankrate designed a methodology that evaluates non-bank cash accounts, evaluating APYs, checking features, service fees, minimum deposit and balance requirements and other factors. Best Cash Management Account 2023 was awarded on January 10, 2023, covering the 2022 calendar year. Best Cash Management Account 2024 was awarded on December 12, 2023, covering the 2023 calendar year. 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/

We’ve partnered with Green Dot Bank. The checking features offered on your Wealthfront Cash account are provided by and the Wealthfront 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. Checking features for the Cash Account are subject to identity verification by Green Dot Bank and the Wealthfront Visa® Debit Card is optional and must be requested. Wealthfront products and services are not provided by Green Dot Bank. 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.

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 Deposit Account Agreement for details. Copyright 2023 Green Dot Corporation. All rights reserved.

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

The Cash Account is offered by Wealthfront Brokerage LLC, Member FINRA/SIPC and not a bank. The Annual Percentage Yield (“APY”) on cash deposits is as of November 15, 2024 and is subject to change. The APY reflects the weighted average of deposit balances at‬ participating program banks,‬ which may not be allocated equally. Cash deposits are swept to program banks, where they earn a variable APY and are eligible for FDIC insurance. Conditions apply. FDIC insurance is not provided until the funds arrive at the program banks, and protects against the failure of program banks, not Wealthfront. While funds are at Wealthfront, 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 uses more than one program bank to make available FDIC coverage of up to $8 million 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. No minimum balance required. The deposits at program banks are not covered by SIPC.

Investment management and advisory services – which are not FDIC insured – are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser, and financial planning tools are provided by Wealthfront Software LLC (“Wealthfront”).

Instant and same day withdrawals may be processed through the Real-Time Payments (“RTP”) network or the FedNow service, enabling same day withdrawals. Please note, RTP and FedNow instant payment transfer eligibility is limited by the destination institution’s RTP/FedNow capabilities, 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 does not charge a fee for transfers, but the receiving institution may. 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.

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.

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

Cash earns more here.

Money that flows freely.(literally).

Did we mention you can spend it, too?

Savings? Checking? Better.