Cash In Your Wealthfront Cash Account Now Earns 3.30% APY

Disclosure

The Cash Account is offered by Wealthfront Brokerage LLC (“Wealthfront Brokerage”), Member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and the Cash Account itself is not a deposit account. The Annual Percentage Yield (“APY”) on cash deposits as of January 30, 2026, is representative, requires no minimums, and may change at any time. The APY for the Wealthfront Cash Account represents the weighted average of the APY on the aggregate deposit balances of all clients at insured depository institutions that participate in our cash sweep program (the “Program Banks”). Wealthfront sweeps available cash balances to Program Banks where they earn a variable rate of interest and, subject to the satisfaction of certain conditions, are eligible for FDIC insurance. A list of current Program Banks can be found here: www.wealthfront.com/programbanks. Deposit balances are not allocated equally among the participating program banks. FDIC pass-through insurance is not provided until the funds arrive at the Program Banks, and protects against the failure of Program Banks, not Wealthfront. While cash balances are at Wealthfront Brokerage, and while they are transitioning to and/or from Wealthfront Brokerage to the Program Banks, they are not eligible for FDIC pass-through insurance, but are eligible for SIPC protection, subject to the limit of $250,000 for cash. FDIC insurance coverage is limited to $250,000 for the total amount of all deposits a customer holds in the same ownership capacity per banking institution, regardless of whether those deposits are placed through Wealthfront Brokerage, so you are responsible for monitoring your total deposits at each Program Bank to avoid exceeding FDIC limits. Wealthfront Brokerage partners with more than one Program Bank to make available up to $8 million (or up to $16 million for joint accounts) of FDIC pass-through coverage 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. The deposits at Program Banks are not covered by SIPC.

Investment management and advisory services are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser.

The national average interest rate for savings accounts is 0.39% as posted on FDIC.gov, as of January 20, 2026.

Wealthfront Brokerage has partnered with Green Dot Bank to offer certain checking features including The Wealthfront Visa® Debit Card, send a check, and mobile check deposits to Wealthfront Cash Accounts. The Wealthfront Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa USA. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also offers certain Wealthfront Individual Cash Accounts, Green Dot account & routing numbers which support additional checking features including bill pay, direct deposits, and payments through third-party sites. The checking features provided by Green Dot Bank for Wealthfront Cash Accounts are subject to identity verification by Green Dot Bank and the Wealthfront Visa® Debit Card is optional and must be requested. 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. Wealthfront brokerage and advisory services are not affiliated with Green Dot Bank.

Wealthfront Brokerage has established a relationship with UMB Bank, National Association (“UMB Bank”), Member FDIC, which may allow certain Wealthfront Cash Accounts to opt-in to a limited-purpose account number and UMB Bank routing and transit number which will enable certain withdrawals and deposits into Wealthfront Cash Accounts including bill pay, direct deposits, and payments through third-party sites through the Automated Clearing House network. Wealthfront brokerage and advisory services are not affiliated with UMB Bank.

Fees and Eligibility requirements may apply to certain checking features, please see the Wealthfront Customer Debit Agreement for details.

Instant and same day withdrawals may be processed through the Real-Time Payments (RTP) network or the FedNow service, enabling same day withdrawals. Real-Time Payments (RTP) transfers and FedNow instant payment transfers may be limited by destination institutions, 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 doesn’t charge for transfers, but some receiving institutions may impose an RTP or FedNow fee. Processing times may vary.

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 Wealthfront Customer Debit Agreement for details. Copyright 2025 Green Dot Corporation. All rights reserved.

The domestic out-of-network ATM fee reimbursement program (the “Program”) allows Wealthfront Brokerage clients with open and funded Individual and Joint Wealthfront Brokerage Cash Accounts (“Cash Account”) who have requested and received an accompanying debit card(s) (“Debit Card”) issued by Green Dot Bank to be eligible for certain account benefits when using their Debit Card for a domestic out-of-network ATM cash withdrawal of US dollars (“ATM Transactions”) when their Wealthfront accounts, Green Dot Bank accounts (collectively, “Accounts”), and Debit Card remain open, active, and in good standing.

Each calendar month, current eligible clients with ATM Transactions will receive a reimbursement of certain fees associated with their first two ATM Transactions on a per-card, per account basis. Please note, replacement debit cards aren’t eligible for additional reimbursements above that limit. Wealthfront Brokerage will utilize its best efforts to reimburse Green Dot Bank’s $2.50 “out-of-network fee” and up to $5.00 of any operator or owner’s fee for your ATM Transactions, up to a maximum reimbursement of $7.50 per ATM Transaction (the “Reimbursement”). Your maximum total monthly Reimbursement shall be $15.00 ($7.50 + $7.50) per card, per account. If an ATM operator charges fees other than out-of-network fees and/or owner’s fees, Wealthfront Brokerage will not reimburse any portion of those fees. Once the maximum total monthly Reimbursement has been reached, no subsequent out-of-network ATM fees or charges that occur that calendar month will be reimbursed. ATM Transactions completed before September 16, 2024 are not eligible for Reimbursement in connection with this Program. Wealthfront Brokerage reserves the right to modify or terminate the Program at any time without notice. For full details please review the Out-of-Network ATM Fee Reimbursement Terms and Conditions.

Wealthfront’s Platform Referrals Promotion (the “Promotion”) offered by Wealthfront Advisers and Wealthfront Brokerage, allows eligible current Wealthfront clients (“Eligible Referrers”) to refer prospective first-time Wealthfront clients (persons who are eligible to open a Wealthfront account and have never opened or held one before) (“Eligible New Clients”) to open eligible accounts as part of the Promotion where both the Eligible Referrer and Eligible New Client can each receive a one-time 0.75% APY increase (a “Promotional Boost”) over the then-applicable standard Annual Percentage Yield (“APY”) on up to a maximum aggregate balance of $150,000 in their respective Cash Accounts with Wealthfront Brokerage for three months, and/or a 0.50% match on up to $100,000 of eligible net deposits made into an eligible investment account with Wealthfront Advisers over a three-month period after making or receiving a qualifying account referral, subject to the Terms and Conditions and provided all applicable requirements are satisfied. Eligible Referrers and Eligible New Clients who receive a Promotional Boost through the Promotion will also automatically qualify for three concurrent months of Wealthfront Advisers’ Fee Waiver Program with a waiver of Wealthfront Advisers’ standard investment advisory fee on up to $5,000 of their total balance in an eligible account. 

Wealthfront’s APY Boost Promotion (the “Promotion”) offered by Wealthfront Advisers and Wealthfront Brokerage, allows Eligible New Clients of Wealthfront who open eligible Cash Accounts with Wealthfront Brokerage to receive a one-time 0.65% APY increase over the then-applicable standard APY (a “Promotional Boost”) on up to a maximum aggregate balance of $150,000 in their respective Cash Accounts with Wealthfront Brokerage (each a “Cash Account”) for three months, subject to Terms and Conditions.

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

© 2026 Wealthfront Corporation. All rights reserved.