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Earn 4.25% APY on your cash

right until you need it

Earn 4.25% APY on your cash

right until you need it

Earn an industry-leading APY through partner banks with free 24/7 instant withdrawals.

Earn an industry-leading APY through partner banks with free 24/7 instant withdrawals.

Zero account fees

Zero account fees

No minimum or maximum balance to earn 4.25% APY

No minimum or maximum balance to earn 4.25% APY

Up to $8M in FDIC insurance

Up to $8M in FDIC insurance

Start earning with $1

Start earning with $1

Start earning with $1

1M+

1M+

Trusted clients

Trusted clients

$75B+

$75B+

In total assets

In total assets

4.8

4.8

Apple App Store

Apple App Store

4.8

4.8

Google Play Store

Google Play Store

Savings?

Checking? Better.

Savings?

Checking? Better.

Who says you should have to choose one or the other?

Who says you should have to choose one or the other?

Wealthfront isn’t a bank, but we work with partner banks to get you an industry-leading APY, the security of FDIC insurance, and a full array of fee-free, no-strings-attached checking features — all wrapped up into one label-defying package we call a Cash Account.

Wealthfront isn’t a bank, but we work with partner banks to get you an industry-leading APY, the security of FDIC insurance, and a full array of fee-free, no-strings-attached checking features — all wrapped up into one label-defying package we call a Cash Account.

Get started

Get started

Get started

0.00

% APY

Earn nearly

10x

More than the average account

0.43% APY

Regular savings account

0.00

% APY

Earn nearly

10x

More than the average account

0.43% APY

Regular savings account

0.00

% APY

Earn nearly

10x

More than the average account

0.43% APY

Regular savings account

CHECKING FEATURES

CHECKING FEATURES

CHECKING FEATURES

ATM fee reimbursment

ATM fee reimbursment

We’ll reimburse 2 fees per month at out-of-network ATMs in the U.S. (up to $7.50 each). You can also access 19,000+ free ATMs nationwide.

Free wire transfers

Free wire transfers

Transfer funds for free to title and escrow companies and accounts you own at other institutions.

Pay bills, send & deposit checks

Pay bills, send & deposit checks

Move money and pay bills with account and routing numbers, plus send free checks and make deposits with our mobile app.

SAVING FEATURES

SAVING FEATURES

SAVING FEATURES

Transfer to invest in minutes

Transfer to invest in minutes

Move cash to a Wealthfront investing account in minutes, and get your long-term money working even harder, ASAP.

Automated savings & transfers

Automated savings & transfers

Create your own automated plans and set recurring transfers to move money to your savings goals and investments with Wealthfront.

Cash Categories

Cash Categories

Easily bucket your money to stay organized and set customizable saving goals.

Earn interest on every penny of your paycheck

Earn interest on every penny of your paycheck

Enroll in direct deposit to get paid up to 2 days early. That’s not just money you can spend sooner — it’s money that can start earning 4.25% APY quicker. so quick, in fact, that it’s worth doing some quick math: If you’re paid biweekly, that’s up to 52 days of extra earning per year, or a 14% boost on interest you could earn from your paycheck. (As if you needed another reason to look forward to payday.)

Get started

Get started

Get started

Cash Account

$

32000.00

Paycheck

+$

4000.00

Credit Card Bill

+$

2000.00

Interest earned

+$

150.00

Down Payment

$

0.00

Cash Account

$

32000.00

Paycheck

+$

4000.00

Credit Card Bill

+$

2000.00

Interest earned

+$

150.00

Down Payment

$

0.00

Cash Account

$

32000.00

Paycheck

+$

4000.00

Credit Card Bill

+$

2000.00

Interest earned

+$

150.00

Down Payment

$

60500.00

Don’t just grow your savings. Grow your spendings, too.

Don’t just grow your savings. Grow your spendings, too.

Why pay for expenses out of a low-APY account if you don’t absolutely have to? With multiple ways to cover everything from credit card bills to aikido classes, you’ll keep earning 4.25% APY until your money’s out the door — without even breaking a sweat.

Get started

Get started

Get started

$5.21

Potential Extra monthly interest earnings

$5.21

Potential Extra monthly interest earnings

$5.21

Potential Extra monthly interest earnings

Don’t just take our word for it

Don’t just take our word for it

Don’t just take our word for it

“The Wealthfront Cash Account is my main source of money coming in and going out. I just like the convenience of having everything in one place versus a whole bunch of services that I need to manage."

“The Wealthfront Cash Account is my main source of money coming in and going out. I just like the convenience of having everything in one place versus a whole bunch of services that I need to manage."

Sid V. - Client Since 2015

“I was looking for a place where I could have my down payment ready without losing money. Wealthfront was the clear winner because the Cash Account has one of the highest interest rates on the market.

“I was looking for a place where I could have my down payment ready without losing money. Wealthfront was the clear winner because the Cash Account has one of the highest interest rates on the market.

Claire H. - Client Since 2023

“They always have me as a client, as a customer and a consumer with my best interests in mind... I have real time access to my money, even on weekends and holidays,which is a remarkable feature.”

“They always have me as a client, as a customer and a consumer with my best interests in mind... I have real time access to my money, even on weekends and holidays,which is a remarkable feature.”

Nitin K. - Client Since 2017

Don’t save your questions.
We’ve got answers.

Don’t save your questions.
We’ve got answers.

Money is complicated enough, so we work hard to make everything about our Cash Account easier to understand. Here are some answers to frequently asked questions:

Money is complicated enough, so we work hard to make everything about our Cash Account easier to understand. Here are some answers to frequently asked questions:

Is 4.25% APY a promotional rate? Will it change on me?

Is 4.25% APY a promotional rate? Will it change on me?

Is 4.25% APY a promotional rate? Will it change on me?

When do I collect that sweet, sweet interest?

When do I collect that sweet, sweet interest?

When do I collect that sweet, sweet interest?

But what if I want to withdraw my money?

But what if I want to withdraw my money?

But what if I want to withdraw my money?

How hard is it to transfer from savings to investing?

How hard is it to transfer from savings to investing?

How hard is it to transfer from savings to investing?

Is my money safe with Wealthfront?

Is my money safe with Wealthfront?

Is my money safe with Wealthfront?

How many fees are there?

How many fees are there?

How many fees are there?

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What level of risk suits you best?

What level of risk suits you best?

What level of risk suits you best?

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