Welcome The Water Coolest Readers
Earn up to4.30% APY
Your cash earns a base 3.30% APY and higher!
3.30% Base Annual Percentage Yield (APY) as of 1/30/26 is provided by program banks and is subject to change.
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Earn more with
two great rewards
You can raise the 3.30% base APY in two easy ways:
Open and fund a Cash Account
New clients earn 4.05% with a 0.75% APY boost for 3 months on up to $150,000.
Direct deposit and invest with us
Get a 0.25% APY increase—no expiration date or balance limit—when you direct deposit $1,000 a month, plus open and fund any investing account.
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.
Savings? Checking? Better.
Who says you should have to choose one or the other? Wealthfront isn’t a bank, but we work with program banks to get you an industry-leading annual percentage yield (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.
Checking features
ATM fee reimbursement
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
Transfer funds for free to title and escrow companies and accounts you own at other institutions.
Pay bills, send and 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
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 and transfers
Create your own automated plans and set recurring transfers to move money to your savings goals and investments with Wealthfront.
Cash Categories
Easily bucket your money to stay organized and set customizable saving goals.
Ready to get your money earning?
Open an account“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
The testimonials above are by clients of Wealthfront Brokerage. No compensation was provided. These testimonials may not be representative of other clients’ experience. Rate is subject to change.