Question 1

Do both people need to have Wealthfront accounts?

Accepted Answer

Only one person needs a Wealthfront account to start. You will need to invite your partner during the setup process, and they’ll be guided to create their own login and verify their identity before joining the account. It’s quick and secure—and you’ll both have access once it’s set up.

Question 2

Can we each still have our own personal Wealthfront accounts?

Accepted Answer

Absolutely. Your Joint Account lives alongside any individual Cash or Investment Accounts you already have. You can see everything in one place—and manage what’s shared and what’s private.

Question 3

Can both people move money in and out?

Accepted Answer

Yes, both account holders can transfer money, pay bills, and make investment decisions.

Question 4

Do you support direct deposit into Joint Accounts?

Accepted Answer

Yes—you can set up direct deposit just like you would with any individual account.

Question 5

Can I transfer between our Joint Account and personal accounts?

Accepted Answer

Transfers are flexible—you can move money between your personal and joint accounts easily, and schedule recurring deposits if you like.

Question 6

What happens if one person wants to leave the account?

Accepted Answer

Either co-owner can request to close the account—in which case, Wealthfront will help walk both co-owners through the process.

Question 7

Is my private information secure when I co-own an account?

Accepted Answer

Each co-owner has their own login and security credentials—with control over any individual or linked accounts that are visible jointly. We use bank-level encryption and security practices to protect your data and your money.

Question 8

Is 4.00% APY a promo rate? Will it change?

Accepted Answer

No, it’s not a promo rate. Yes, it can change—usually in response to the Federal Funds Rate or changes from our program banks. We’ll always keep you in the loop.

Question 9

Does the Joint Account earn the same high APY as individual accounts?

Accepted Answer

Yes! The Joint Cash Account earns the same competitive interest rate (currently 4.00% APY, subject to change), and comes with double the FDIC insurance—up to $16 million—both provided through program banks.

Question 10

When do we get our interest?

Accepted Answer

Interest accrues daily and pays out at the beginning of each month. Easy money.

Question 11

Can we withdraw any time?

Accepted Answer

Yep—no fees, no waiting. If your bank supports RTP® or FedNow®, you can withdraw instantly—even on weekends. Other transfers usually arrive the next business day. Note that in certain cases, a security hold may be implemented to prevent fraud. Learn more here.

Question 12

How fast can we move money to investing?

Accepted Answer

Pretty fast. During market hours, transfers to your Automated Investing Account usually take minutes, and can be invested right away.

Question 13

Is our money safe?

Accepted Answer

Very. You get up to $16 million in FDIC insurance through our program banks. We also follow strict security standards and undergo annual third-party audits.

Question 14

What are the fees?

Accepted Answer

We’ve never charged an account fee for the Cash Account—and we don’t plan on starting. There are some fees associated with certain uses of your debit cards.

Question 15

Can we still have our own individual investing accounts too?

Accepted Answer

Absolutely. Your Joint Investing Account is separate from any personal Wealthfront accounts you already have. You’ll see everything in one dashboard.

Question 16

How do taxes work with a joint investment account?

Accepted Answer

Only the primary owner receives the tax documents. At tax time, tax forms will be issued under the primary account holder’s name and Social Security number. Whether filing jointly or separately, you’ll decide how to report any gains, dividends, or interest based on your individual tax situation. For guidance tailored to your specific situation, please consult your tax advisor.

Question 17

Can we set up recurring deposits together?

Accepted Answer

Yes. Either person can set up or modify recurring deposits. You can both invest regularly—or one of you can take the lead.

Question 18

Can we withdraw funds any time?

Accepted Answer

Yes you can. Withdrawals usually settle in 2–3 business days. Keep in mind: selling investments may trigger capital gains taxes.

Question 19

Is our money protected?

Accepted Answer

Yes. Investments are protected by SIPC insurance (up to $500,000 for securities). As with all securities firms, this coverage provides protection against failure of a broker-dealer, not against loss of market value of securities.

Build wealth
as one.

$85,000.00

joint cash account

joint investing account

$85,000.00

No compromises.
Just 4.00% APY
on all your cash.

Invest together with confidence.

Automated Investing Account

S&P 500 Direct

Automated Bond Ladder

Automated Bond Portfolio

See your total net worth as a couple
across all your accounts.

Why couples choose us:

“

What really drew me to Wealthfront was the ability to share and integrate my wife’s finances into the platform. Before it didn’t feel like she had true access, and it made it kind of hard to budget, plan and get a picture of where we’re at.

Anna & Bill

Questions?

Build wealth as one.

$85,000.00

joint cash account

joint investing account

$85,000.00

No compromises.Just 4.00% APY on all your cash.

Invest together with confidence.

Automated Investing Account

S&P 500 Direct

Automated Bond Ladder

Automated Bond Portfolio

See your total net worth as a coupleacross all your accounts.

Why couples choose us:

“

What really drew me to Wealthfront was the ability to share and integrate my wife’s finances into the platform. Before it didn’t feel like she had true access, and it made it kind of hard to budget, plan and get a picture of where we’re at.

Anna & Bill

Questions?

Build wealth
as one.

No compromises.
Just 4.00% APY
on all your cash.

See your total net worth as a couple
across all your accounts.