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GUOPING IS LOOKING OUT FOR YOU! 🚀

Earn more on your uninvested cash
Boost your APY to 4.00 4.50%!

Get an extra 0.50% APY boost for 3 months!

When you open and fund a Wealthfront Cash Account as a first-time client, you can boost our current industry-leading 4.00% APY* to an even higher 4.50%, for a limited time, provided through partner banks.

*Rate subject to change. Learn why.

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guoping is a participant in the Promotional Interest Referral Program which is being offered by Wealthfront Brokerage LLC (“Wealthfront Brokerage”). This referral also qualifies you for up to three concurrent months of the Fee Waiver Promotion described below offered by Wealthfront Advisers LLC (“Wealthfront Advisers”). These programs are subject to certain terms and conditions and are only available to prospective first-time Wealthfront clients (persons who are eligible to open a Wealthfront account and have never opened or held one before). guoping is a Wealthfront client, and this referral constitutes a testimonial about Wealthfront Brokerage and Wealthfront Advisers. This testimonial may not be representative of the experience of other Cash Account clients, and there is no guarantee that all Cash Account clients will have similar experiences. guoping may receive non-cash compensation for making this referral, which creates an incentive that results in a material conflict of interest. While guoping is a Wealthfront client, guoping and Wealthfront are not otherwise associated with one another and have no other formal relationship outside of this arrangement.

Promotional Interest Referral Program: If you successfully open and fund your first Wealthfront Cash Account through the 'Get Started' link included in the referral email you received, Wealthfront will increase the current APY interest rate offered on both your Cash Account and guoping’s Cash Account by 0.50% APY for up to $250,000 (across all of each person’s Cash Accounts) for three months if you fund your new Cash Account within 30 days, provided that all applicable terms and conditions have been satisfied. Separate terms apply to referrers; see full program terms for more information.

Fee Waiver Program: If, after opening your first Cash Account as part of the Promotional Interest Referral Program, you also successfully open and fund your first Wealthfront Investment Account (an “Investment Account”), then Wealthfront Advisers will waive its advisory fee on up to $5k of your Investment Account balance for up to three months, provided that all applicable terms and conditions have been satisfied. Your Fee Waiver period will begin when your Investment Account is funded and run until the end of the three-month promotional period of the Promotional Interest Referral Program for your Cash Account.

Wealthfront reserves the right to modify or terminate the Promotional Interest Referral Program and/or Fee Waiver Promotion at any time without notice. See additional terms and please refer to the full program terms for more information.

a landscape filled with mountains
ManageCash AccountAvailable balanceSEPTEMBERInterest earned in September+$95.55Monday, Sep 8 · InterestTransfer to invest$100.00Monday, Sep 8 · TransferAUGUSTTransfer to emergency fund$200.00Monday, May 8 · Money inTransfer moneyAccount numberscurrent APY interest earned

Not quite a bank.
Quite a bit better.

Zero account fees
Unlimited transfers & free 24/7 instant withdrawals
Up to $8M FDIC insurance through partner banks
No minimum or maximum balance to earn 4.00% APY
4.00% + 0.50% = 4.50% boosted APY
We work with partner banks to offer exceptional banking features with ultimate flexibility and the security of FDIC insurance — all delivered through a Wealthfront Brokerage account that makes building your wealth easy. It costs you nothing, and it's all delivered through a Wealthfront Brokerage account that makes building your wealth easy.

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:

Will the interest rate lock in, or does it change?

Short answer: it changes based on a number of factors — the most important factor being the Federal Funds Rate.

Long answer: it’s in our best interest to offer our clients a competitive rate, so we’re always looking for opportunities to do just that. When our partner banks pay us more for our deposits, we pay it forward to you with a better APY. We don’t offer “promotional rates,” so you can be sure you’re getting the same great rate as every other one of our clients (and even our own employees). We’ll always notify you when the rates change.

How hard is it to transfer from savings to investing?

So not hard at all! When the market is open, money can usually be transferred to your taxable Investment Account or IRA in minutes.Learn more

But what if I want to withdraw my money?

It’s your money, so you can withdraw it whenever you want. It usually takes only one business day to arrive in your bank account, though if it’s a recent deposit, it may take a few extra days to process.

How many fees are there?

None! Zilch! Nada! We’ve never charged any account fees for the Cash Account, and we never will.

Unfortunately, I have these things called bills. Can you make them go away?

We can’t make them go all the way away, but it’s very easy to set up bill pay with the Cash Account. Paying bills is kind of like making them go away, right?

What if I want actual dollar bills in my actual hands?

If you’re good with twenties, we’ve got free ATMs IRL. Just use our Debit Card to withdraw from more than 19,000 free ATMs at places like CVS, Target, Walgreens, and many, many more.