SAVE MORE, FASTER

Your cash
can do more.

Earn 2.07% APY with no fees, unlimited transfers, and FDIC insurance covering up to $1 million.

Whether you’re stashing cash until you’re ready to invest, building a rainy day fund, or saving for a big expense, our high-interest cash account is a secure place to grow your money.

Higher interest means
more cash for you.

APY*

Don’t leave money on the table.

Traditional financial institutions offer between 0.01% and 0.09% on checking and savings accounts. With our cash account you earn 20x the national average*.

Today $25K $26.5K $28K 5 Years 0.1%

When should I
hold on to cash?

In the short term - within 5 years - markets can be volatile. This means your cash is better off in a liquid, high-interest, secured, and FDIC-insured account.
We’ll help you save the money you need for:
Saving before you’re ready to invest
A rainy day fund for unexpected expenses
An upcoming expense like a down payment for a home or a wedding
If you want to grow your money over the long term — beyond 5 years — it’s best to invest in a Wealthfront globally diversified portfolio of low-cost index funds.
We’ve got you covered

FDIC insured up to $1 million.

That’s four times the insurance that the traditional bank provides.

No market risk.

Your cash is kept out of the markets, so you never have to worry about short-term volatility.

Fast and easy setup.

It takes just a couple minutes to open an account straight from your phone.

Unlimited, free transfers.

Move money in and out of your account as many times as you want. You can easily transfer your money directly to a

No fees.

No advisory fees, no management fees, no surprises. Earn more and keep more.

$1 minimum.

It only takes $1 to open and there are no additional deposit requirements.
See how cash fits
into your big picture.

With our free planning experience, you’ll get personalized guidance on how much cash you need and where you should put it in order to reach your short-term goals.

Learn More

Where to save: $500 /month in Wealthfront Account Currently $450/month $1,100 /month in Wealthfront Cash Currently $450/month $1,300 /month in Work 401(k) Currently $650/month $300 /month in Chase Checking Currently $1,000/month $400 /month in Chase Checking Currently $1,000/month COMFORTABLE COMFORTABLE MANAGEABLE COMFORTABLE Wedding with Aditya 6 months off to travel Purchase a 2BR in Austin, TX goal-wedding-sm goal-timeoff-sm goal-home-sm My planned savings $2,100/mo $2,800/mo
See how much you could be earning
A cash account built for you.
We get it: money and its terms can be confusing. We’re here to simplify with answers to some of the most frequently asked questions when it comes to our cash account.
Click here for all of our FAQs.
What does “short-term” mean?

Short-term savings refers to money you’ll need within 5 years. Want to save for longer? Learn more about the Wealthfront Investment account.

Can I move money in between Wealthfront accounts?

You can move money from your Cash Account to your taxable Investment Account. Learn how easy it is.

Can I pay bills or use an ATM?

Not right now, but we’ll be adding new features to the cash account over time.

How do I access my money?

You can withdraw money at any time. It usually takes about one to three business days for your withdrawal to arrive in your bank account. If you’ve recently deposited money into your cash account, it may take a few extra days to process.

Is Wealthfront’s Cash Account APY a promotional rate?

No, the Wealthfront APY is not a short term promotional rate and applies to all accounts and balances. We’re committed to offering the highest rate we can to our clients. Learn more.

Will I be charged a fee?

There are no fees for the cash account.