What We’ve Shipped So Far In 2025

Disclosure

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 a solicitation or offer, or recommendation, to buy or sell any security.

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 June 30, 2025, 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: [https://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. All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Securities investments are not bank deposits, are not bank guaranteed or FDIC-insured and may lose value. Please see our Full Disclosure for important details. Financial planning tools are provided by Wealthfront Software LLC (“Wealthfront Software”).

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 U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also offers Wealthfront Individual Cash Accounts opened prior to July 15, 2025, 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 Individual Cash Accounts opened prior to July 15, 2025, all Wealthfront Individual Cash Accounts opened on or after July 15, 2025, and Wealthfront Joint 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.

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 Deposit Account 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 (“Green Dot”) to be eligible for certain account benefits when using their Debit Card for a domestic out-of-network ATM cash withdrawal of U.S. dollars (“ATM Transactions”) when their Wealthfront accounts, Green Dot 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’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 shall not be 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 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.

When using Joint Cash Account shared access, your co-owner can see personal details associated with the account, like your linked bank information. They may also be able to infer the balance of your other Wealthfront accounts if you participate in certain promotions, since some rewards have a maximum balance.

Investing in US Treasuries involves risks, including but not limited to interest rate risk, credit risk, and market risk. While US Treasuries are considered to be among the safest investments, they are not entirely risk-free, and there is a potential for loss of principal. Returns on US Treasuries can also be affected by changes in the credit rating of the US government, although such occurrences are rare. Investors should consider their tolerance for these risks and their overall investment objectives before investing in US Treasuries. Past performance does not guarantee future results. Tax treatment may vary depending on your individual circumstances. Wealthfront does not provide tax advice. 

The S&P 500® index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Wealthfront Advisers LLC. Standard & Poor’s®, S&P®, S&P 500®, US 500 and The 500 are trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Wealthfront Advisers LLC. Wealthfront’s S&P 500 Direct Portfolio is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® index.

S&P 500 Direct invests in many of the stocks in the S&P 500®, but it may not invest in all the stocks in the index. As a result, its performance may deviate from that of the S&P 500® index due to tracking error, market conditions, and the limitations of Tax-Loss Harvesting. Account size and customization options, such as excluding individual stocks, may affect your portfolio’s ability to track the S&P 500® index. ​​Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio.

Wealthfront Brokerage’s Promotional Interest Referral Program, allows existing Cash Account clients (referred to as “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). When an eligible new client opens and funds their first Wealthfront Cash Account through a referral link, then Wealthfront will increase the current APY interest rate offered on both the Eligible Referrer’s Cash Account and the eligible new client’s Cash Account by 0.50% APY for three months on up to $250,000 (across all of each person’s Cash Accounts), provided that all applicable terms and conditions have been satisfied. This referral also qualifies Eligible Referrers and eligible new clients for up to three concurrent months of the Fee Waiver Promotion offered by Wealthfront Advisers. Wealthfront reserves the right to modify or terminate the Promotional Interest Referral Program and/or Fee Waiver Promotion at any time without notice. For full details please review the Promotional Interest referral program and Fee Waiver Promotion Terms and Conditions.

The Wealthfront Securities Lending Program (“Securities Lending”) is offered by Wealthfront Advisers in collaboration with its affiliate, Wealthfront Brokerage. Participation in Securities Lending allows Wealthfront Advisers to lend securities held in your account to Wealthfront Brokerage, with Wealthfront Brokerage pledging to Wealthfront Advisors cash collateral to secure the loan in the amount of 102% to 105% of the market value of the Securities on loan. Wealthfront Brokerage will deposit such collateral to an account at JPMorgan Chase Bank, N.A. maintained for the benefit of Wealthfront Advisers, titled Wilmington Trust as Trustee FBO the Securities Lending clients of Wealthfront Advisers. Wilmington Trust, National Association serves as the trustee for such collateral.

Securities Lending involves certain risks. Loaned securities may not be protected under the Securities Investor Protection Act of 1970. While your securities are on loan, you will forfeit voting rights and receive cash payments in lieu of dividends, which are taxed as ordinary income. There is no guarantee your securities will be loaned, and loans may be terminated at any time. We do not provide tax advice; please consult your tax advisor regarding your specific situation. Please see our full disclosure for important details.

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

Copyright 2025 Wealthfront Corporation. All rights reserved.