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A rate that
towers over
most banks:
4.30% APY

A rate that towers
over most banks:
4.30% APY

Which is ironic, because they're the ones with all the towers.

Cash earns more here. Move your savings to a high-yield account with one of the best APYs in the market. No account fees. No strings attached.
Start saving with $1
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Best Cash Management App, 2020 1
Bankrate logo
Best Cash Management Account, 2023 1
550K+
Trusted clients
$35B+
In assets managed
4.8
Apple App Store 2
4.6
Google Play Store 2
a landscape filled with mountains
ManageCash AccountAvailable balanceSEPTEMBERInterest earned in September+$91.30Monday, 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 fee-free transfers
Up to $3M FDIC insurance through partner banks
No minimum or maximum balance to earn 4.30% APY
We work with partner banks to offer exceptional banking features with ultimate flexibility and the security of FDIC insurance. And unlike some other accounts, ours doesn’t come with sneaky requirements like minimum account size, required direct deposit, or required debit card transactions.
Get started

Feel the life-changing magic of optimizing your cash.

Discover the deep satisfaction of directing your cash flow with nothing left to waste. Take advantage of helpful automation tools to route deposits to your short-term and medium-term goals, then invest the rest for your future.

Invest in the market in minutes.

Start building your long-term wealth ASAP. Invest your extra cash quickly — with near-instant transfers to connected Wealthfront Investment Accounts.
Wealthfront
now
Your transfer is on the way.

Money that flows freely (literally).

With unlimited, fee-free transfers to external accounts, you are free to move your money whenever and wherever you choose. Use automated savings to monitor your external accounts and save just the right amount when your balance reaches a pre-set threshold.

Did we mention you can spend it, too?

When we say your money is there when you need it, we mean when you really, really, really need it. Like, now-ish. These checking and ATM features make it possible:
Free debit card
Access funds earlier with direct deposit
19,000+ free ATMs
Pay bills, plus send & deposit checks

Welcome to your money’s happy place.

C’mon in!

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.
Read more FAQs