# Earn up to 4.20% APY Your cash earns a base 3.30% APY and higher! Zero account fees Free 24/7 instant withdrawals Up to $8M FDIC insurance through program banks 3.30% Base Annual Percentage Yield (APY) as of 1/30/26 is provided by program banks and is subject to change. APY Boost is up to a $150,000 balance. ## Earn more with two great rewards You can raise the 3.30% base APY in two easy ways: 1. Open and fund a Cash Account - New clients earn 3.95% with a 0.65% APY boost for 3 months on up to $150,000. 2. Direct deposit and invest with us - Get a 0.25% APY increase—no expiration date or balance limit—when you direct deposit $1,000 a month, plus open and fund any investing account. Earn 8x more than the average savings account. ## 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. ### 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? Enroll in direct deposit to get your money earning 3.30% APY faster. You can easily spend, invest, pay bills, and withdraw instantly to eligible external accounts. ## Don’t just grow your savings. ## Grow your spending, too. Money for monthly expenses: **$7,500** You could earn an extra +$20.32 in monthly interest. Calculation is an estimate and assumes 3.30% APY for 30 days and no withdrawals. Actual interest payments and APY can vary. ### Frequently Asked Questions **What happens to the APY after the first 3 months?** Your rate will revert to the base rate of 3.30% APY provided by program banks, which is subject to change. **When do I collect that interest?** Your interest accrues daily based on your current balance, and pays out near the beginning of each month. **But what if I want to withdraw my money?** You can withdraw it whenever you want, with no fees. Withdrawals to eligible external accounts can be processed instantly. **Is my money safe with Wealthfront?** Your money gets up to $8 million in FDIC insurance through program banks. We keep your money secure by complying with the rules of our federal regulators and conducting annual third-party accounting audits. **How many fees are there?** None! We’ve never charged any account fees for the Cash Account, and we never will.