Earn 4.00% APY
on your cash
right until you need it.
Earn an industry-leading APY from program banks with free 24/7 instant withdrawals.
Best Cash Management Account, 2023-24 1
Best Investing App, 2024 1
1 M+
Trusted clients
$85B+
In total assets
4.8
Apple App Store 2
4.9
Google Play Store 2
Savings? Checking?
Better.
Who says you should have to choose one or the other? Wealthfront isn’t a bank, but we work with program banks to get you an industry-leading Annual Percentage Yield (APY), the security of FDIC insurance, and a full array of fee-free, no-strings-attached checking features — all wrapped up into one label-defying package we call a Cash Account.
Checking features
ATM fee
reimbursement
We’ll reimburse 2 fees per month at out-of-network ATMs in the U.S. (up to $7.50 each). You can also access 19,000+ free ATMs nationwide.
Free wire transfers
Transfer funds for free to title and escrow companies and accounts you own at other institutions.
Pay bills, send and deposit checks
Move money and pay bills with account and routing numbers, plus send free checks and make deposits with our mobile app.
Saving features
Transfer to invest in
minutes
Move cash to a Wealthfront investing account in minutes, and get your long-term money working even harder, ASAP.
Automated savings
and transfers
Create your own automated plans and set recurring transfers to move money to your savings goals and investments with Wealthfront.
Cash Categories
Easily bucket your money to stay organized and set customizable saving goals.
Ready to get your money earning?
Earn interest on every penny of your paycheck.
Enroll in direct deposit to get your money earning 4.00% APY faster. You can easily spend (hello, handy debit card), invest, pay bills, and withdraw instantly to eligible external accounts. In other words, get the most out of your paycheck and keep your money exactly where you need it—at your fingertips.
Don’t just grow your savings.
Grow your spendings, too.
Why pay for expenses out of a low-APY account if you don’t absolutely have to? With multiple ways to cover everything from credit card bills to aikido classes, you’ll keep earning4.00% APY until your money’s out the door — without even breaking a sweat.