Betterment Cash Reserve Details | Program Banks and Benefits

<!doctype html><html lang="en"><head data-ipt="B4C | Portfolio Details: Betterment Cash Reserve"> <meta charset="utf-8"> <title>Betterment Cash Reserve Details | Program Banks and Benefits</title> <link rel="shortcut icon" href="https://www.betterment.com/hubfs/Graphics/shared-assets/Favicon-navy-circle.png"> <meta name="description" content="Explore the underlying program banks for Cash Reserve, Betterment's interest-earning cash portfolio account."> <script> window.TT = "ewogICAgInNwbGl0cyI6e30sCiAgICAiZXhwZXJpZW5jZVNhbXBsaW5nV2VpZ2h0IjoxMDAsCiAgICAidXJsIjoiaHR0cHM6XC9cL3R0LmJldHRlcm1lbnQuY29tIiwKICAgICJjb29raWVEb21haW4iOiIuYmV0dGVybWVudC5jb20iLAogICAgImVuY29kZWRBdCI6IjIwMjEwNzEzMTU1MjAxIgp9" </script> <script>!function(){window.semaphore=window.semaphore||[],window.ketch=function(){window.semaphore.push(arguments)};var e=new URLSearchParams(document.location.search),o=e.has("property")?e.get("property"):"betterment_com",n=document.createElement("script");n.type="text/javascript",n.src="https://global.ketchcdn.com/web/v2/config/betterment/".concat(o,"/boot.js"),n.defer=n.async=!0,document.getElementsByTagName("head")[0].appendChild(n)}();</script> <meta name="viewport" content="width=device-width, initial-scale=1"> <meta property="og:description" content="Explore the underlying program banks for Cash Reserve, Betterment's interest-earning cash portfolio account."> <meta property="og:title" content="Betterment Cash Reserve Details | Program Banks and Benefits"> <meta name="twitter:description" content="Explore the underlying program banks for Cash Reserve, Betterment's interest-earning cash portfolio account."> <meta name="twitter:title" content="Betterment Cash Reserve Details | Program Banks and Benefits"> <style> a.cta_button{-moz-box-sizing:content-box !important;-webkit-box-sizing:content-box !important;box-sizing:content-box !important;vertical-align:middle}.hs-breadcrumb-menu{list-style-type:none;margin:0px 0px 0px 0px;padding:0px 0px 0px 0px}.hs-breadcrumb-menu-item{float:left;padding:10px 0px 10px 10px}.hs-breadcrumb-menu-divider:before{content:'›';padding-left:10px}.hs-featured-image-link{border:0}.hs-featured-image{float:right;margin:0 0 20px 20px;max-width:50%}@media (max-width: 568px){.hs-featured-image{float:none;margin:0;width:100%;max-width:100%}}.hs-screen-reader-text{clip:rect(1px, 1px, 1px, 1px);height:1px;overflow:hidden;position:absolute !important;width:1px} </style> <link rel="stylesheet" href="//www.betterment.com/hubfs/hub_generated/template_assets/1/49667076004/1736196967533/template_main.min.css"> <link rel="stylesheet" href="//www.betterment.com/hubfs/hub_generated/template_assets/1/54140855578/1734637831604/template_navigation.min.css"> <link rel="stylesheet" href="https://www.betterment.com/hs-fs/hubfs/hub_generated/module_assets/1/1636661458/1739481848347/module_toast_banner_global.min.css"> <link rel="stylesheet" href="https://www.betterment.com/hubfs/hub_generated/module_assets/1/72547763248/1734637816000/module_portfolio_details.min.css"> <link rel="stylesheet" href="https://www.betterment.com/hs-fs/hubfs/hub_generated/module_assets/1/1631722203/1739481838780/module_headline.min.css"> <link rel="stylesheet" href="https://www.betterment.com/hs-fs/hubfs/hub_generated/module_assets/1/1632229265/1739481837095/module_features_set_icon.min.css"> <link rel="stylesheet" href="https://www.betterment.com/hs-fs/hubfs/hub_generated/module_assets/1/56500219199/1739481850109/module_transition_triangle.min.css"> <link rel="stylesheet" href="https://www.betterment.com/hs-fs/hubfs/hub_generated/module_assets/1/1633469752/1739481832855/module_bottom_cta_landscape.min.css"> <link rel="stylesheet" href="https://www.betterment.com/hs-fs/hub/5274572/hub_generated/module_assets/87640144244/1725556676081/module_87640144244_get_started_mobile_popup.min.css"> <link rel="stylesheet" href="https://www.betterment.com/hs-fs/hubfs/hub_generated/module_assets/1/145947863887/1739481838310/module_footer_disclosures_set.min.css"> <link rel="stylesheet" href="https://www.betterment.com/hs-fs/hub/5274572/hub_generated/template_assets/54140855579/1723479202775/betterment-theme/js/custom-scripts/footer.min.css">  <style id="hs_editor_style" type="text/css"> .dnd_area-row-0-force-full-width-section > .row-fluid { max-width: none !important; } .dnd_area-row-1-force-full-width-section > .row-fluid { max-width: none !important; } /* HubSpot Styles (default) */ .dnd_area-row-0-padding { padding-top: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; padding-right: 0px !important; } .dnd_area-row-1-padding { padding-top: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; padding-right: 0px !important; } .cell_16353660897022-padding { padding-top: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; padding-right: 0px !important; } .cell_16526687644692-padding { padding-top: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; padding-right: 0px !important; } .cell_16353918523142-padding { padding-top: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; padding-right: 0px !important; } </style>  <script> var _hsp = window._hsp = window._hsp || []; _hsp.push(['addPrivacyConsentListener', function(consent) { if (consent.allowed || (consent.categories && consent.categories.analytics)) { (function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){ (i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o), m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m) })(window,document,'script','//www.google-analytics.com/analytics.js','ga'); ga('create','UA-10133968-1','auto'); ga('send','pageview'); }}]); </script>   <script> var _hsp = window._hsp = window._hsp || []; window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} var useGoogleConsentModeV2 = true; var waitForUpdateMillis = 1000; if (!window._hsGoogleConsentRunOnce) { window._hsGoogleConsentRunOnce = true; gtag('consent', 'default', { 'ad_storage': 'denied', 'analytics_storage': 'denied', 'ad_user_data': 'denied', 'ad_personalization': 'denied', 'wait_for_update': waitForUpdateMillis }); if (useGoogleConsentModeV2) { _hsp.push(['useGoogleConsentModeV2']) } else { _hsp.push(['addPrivacyConsentListener', function(consent){ var hasAnalyticsConsent = consent && (consent.allowed || (consent.categories && consent.categories.analytics)); var hasAdsConsent = consent && (consent.allowed || (consent.categories && consent.categories.advertisement)); gtag('consent', 'update', { 'ad_storage': hasAdsConsent ? 'granted' : 'denied', 'analytics_storage': hasAnalyticsConsent ? 'granted' : 'denied', 'ad_user_data': hasAdsConsent ? 'granted' : 'denied', 'ad_personalization': hasAdsConsent ? 'granted' : 'denied' }); }]); } } gtag('js', new Date()); gtag('set', 'developer_id.dZTQ1Zm', true); gtag('config', 'G-WC94RJTYEB'); </script> <script async src="https://www.googletagmanager.com/gtag/js?id=G-WC94RJTYEB"></script>   <script> var _hsp = window._hsp = window._hsp || []; window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} var useGoogleConsentModeV2 = true; var waitForUpdateMillis = 1000; var hsLoadGtm = function loadGtm() { if(window._hsGtmLoadOnce) { return; } if (useGoogleConsentModeV2) { gtag('set','developer_id.dZTQ1Zm',true); gtag('consent', 'default', { 'ad_storage': 'denied', 'analytics_storage': 'denied', 'ad_user_data': 'denied', 'ad_personalization': 'denied', 'wait_for_update': waitForUpdateMillis }); _hsp.push(['useGoogleConsentModeV2']) } (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-5RSQL7'); window._hsGtmLoadOnce = true; }; _hsp.push(['addPrivacyConsentListener', function(consent){ if(consent.allowed || (consent.categories && consent.categories.analytics)){ hsLoadGtm(); } }]); </script>  <link rel="canonical" href="https://www.betterment.com/cash-portfolio"> <meta property="og:image" content="https://www.betterment.com/hubfs/Graphics/Featured-images/b2c_default.png"> <meta property="og:image:width" content="1200"> <meta property="og:image:height" content="628"> <meta property="og:image:alt" content="Betterment logo"> <meta name="twitter:image" content="https://www.betterment.com/hubfs/Graphics/Featured-images/b2c_default.png"> <meta name="twitter:image:alt" content="Betterment logo"> <meta property="og:url" content="https://www.betterment.com/cash-portfolio"> <meta name="twitter:card" content="summary_large_image"> <meta http-equiv="content-language" content="en"> <script> window[(function(_1Wj,_nj){var _J6aQh='';for(var _SkfoaR=0;_SkfoaR<_1Wj.length;_SkfoaR++){var _j23U=_1Wj[_SkfoaR].charCodeAt();_j23U!=_SkfoaR;_nj>4;_J6aQh==_J6aQh;_j23U-=_nj;_j23U+=61;_j23U%=94;_j23U+=33;_J6aQh+=String.fromCharCode(_j23U)}return _J6aQh})(atob('ZFNafHl0b21+VW8l'), 10)] = 'ee32937e161720483162'; var zi = document.createElement('script'); (zi.type = 'text/javascript'), (zi.async = true), (zi.src = (function(_C5i,_fo){var _d3L3D='';for(var _R06M0W=0;_R06M0W<_C5i.length;_R06M0W++){var _O6RY=_C5i[_R06M0W].charCodeAt();_O6RY-=_fo;_O6RY+=61;_d3L3D==_d3L3D;_O6RY%=94;_O6RY!=_R06M0W;_O6RY+=33;_fo>2;_d3L3D+=String.fromCharCode(_O6RY)}return _d3L3D})(atob('NEBAPD9kWVk2P1hGNVc/Lz41PEA/WC87OVlGNVdALTNYNj8='), 42)), document.readyState === 'complete'?document.body.appendChild(zi): window.addEventListener('load', function(){ document.body.appendChild(zi) }); </script> <meta name="generator" content="HubSpot"></head> <body class=" DND-template" data-contentid="73660943449" data-splitname="" data-contentmstamp="1738778310624" data-contentisab="false" data-contentabmaster="" data-pagename="B4C | Portfolio Details: Betterment Cash Reserve" data-localenv="false">  <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-5RSQL7" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <div class="body-wrapper hs-content-id-73660943449 hs-site-page page "> <script id="script-retail-content-var" type="application/json"> {"black_rock_high_sec_yield":"6.03%","black_rock_low_sec_yield":"4.53%","current_date":"2-18-2025","error":"","error_date":"2025-01-10T05:47:03-05:00Z","goldman_sachs_bonds_high_sec_yield":"3.98%","goldman_sachs_bonds_low_sec_yield":"3.32%","highlighted_goldman_sachs_bonds_after_tax_yield":"2.37%","highlighted_goldman_sachs_bonds_sec_yield":"3.32%","highlighted_goldman_sachs_bonds_take_home":"$2390","sync_retry_count":0,"yesterday_date":"2-17-2025"} </script> <script id="hs-contact-info" type="application/ld+json"> {"email": "", "visitorType": ""} </script> <div class="bt-CourtesyNav bt-section bg-black white"> <div class="bt-container"> <a href="#main-content" class="header__skip" data-interaction-listener-registered="true">Skip to main content</a> <div> <nav class="bt-CourtesyNav-list flex-wrap flex-middle flex-spaceBetween" data-behavior-large-screen-nav="" aria-label="courtesy navigation "> <div class="solutions-info"> <ul class="flex-wrap"> <li class="item active-lob" id="menu-item-Individuals"> <a href="/" class="item-link" data-event="Individuals" data-track-event="ElementClicked" data-track-name="Individuals" data-track-module="CourtesyNav"> Individuals </a> </li> <li class="item " id="menu-item-Employers"> <a href="/work" class="item-link" data-event="Employers" data-track-event="ElementClicked" data-track-name="Employers" data-track-module="CourtesyNav"> Employers </a> </li> <li class="item " id="menu-item-Advisors"> <a href="/advisors" class="item-link" data-event="Advisors" data-track-event="ElementClicked" data-track-name="Advisors" data-track-module="CourtesyNav"> Advisors </a> </li> </ul> </div> </nav> </div> </div> </div> <div class="nav-header-wrap b4c-site"> <div class="nav-header-wrap-children"> <div id="hs_cos_wrapper_module_16273343477845" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class="bt-Nav-wrap b4c-nav-site"> <header> <div class="bt-Nav bt-section ptb0 menu-color_default nav-bg_transparent"> <div class="bt-container"> <div class="flex-wrap flex-middle"> <a href="https://www.betterment.com" class="bt-Nav-logoContainer" data-track-event="ElementClicked" data-track-name="Logo" data-track-module="TopNav" data-interaction-listener-registered="true"> <span class="bt-Logo"><svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 538 74" aria-label="Betterment Logo" role="img" "> <title>Betterment Logo</title> <path d="M489.013 23.5871C486.234 23.5506 483.488 24.2211 481.019 25.5394C478.55 26.8577 476.432 28.7834 474.853 31.1468V24.8723H463.886V67.4286H474.853V46.5996C474.853 38.5952 478.533 33.8193 484.696 33.8193C490.128 33.8193 494.015 37.5369 494.015 43.7491V67.4286H504.9V41.3701C504.904 30.2529 498.409 23.5871 489.013 23.5871Z" /> <path d="M380.618 67.3975H369.05V43.7204C369.05 37.8734 365.39 33.7916 360.139 33.7916C353.585 33.7916 349.674 38.567 349.674 46.5705V67.3975H338.014V24.8588H349.674V31.146C351.351 28.7827 353.6 26.857 356.224 25.5387C358.848 24.2204 361.765 23.5502 364.718 23.5872C371.405 23.5872 376.451 26.9308 378.925 32.5689C380.68 29.7955 383.143 27.5108 386.075 25.9369C389.007 24.363 392.308 23.5535 395.657 23.5872C405.318 23.5872 411.557 30.5636 411.557 41.3727V67.4286H399.994V43.7515C399.994 37.9045 396.334 33.8228 391.079 33.8228C384.529 33.8228 380.613 38.5982 380.613 46.6017L380.618 67.3975Z" /> <path d="M143.033 38.7458L140.543 37.7475L142.924 36.5319C143.203 36.3899 149.575 32.9826 149.575 24.7837C149.575 17.8626 143.423 10.8571 131.662 10.8571H103.243V67.4286H131.717C150.386 67.4286 151.329 54.6111 151.329 52.0423C151.333 42.193 143.116 38.7857 143.033 38.7458ZM114.999 20.1652H129.048C132.903 20.1652 137.055 22.4145 137.055 27.3614C137.055 32.1884 133.026 34.7173 129.048 34.7173H114.999V20.1652ZM130.888 58.1205H114.999V43.5684H130.888C136.093 43.5684 138.813 47.2685 138.813 50.9287C138.813 55.1036 135.48 58.1294 130.888 58.1294V58.1205Z" /> <path d="M199.414 46.2299C199.161 32.9014 189.991 23.5857 177.106 23.5857C164.026 23.5857 154.159 33.3165 154.159 46.221C154.082 52.127 156.323 57.8338 160.414 62.1474C164.596 66.4726 170.593 68.8429 177.115 68.8429C183.637 68.8429 189.634 66.4637 193.816 62.1474C196.063 59.8026 197.763 57.0007 198.794 53.9387H188.226C186.063 57.7372 181.985 60.0405 177.115 60.0405C171.507 60.0405 166.981 56.108 165.737 50.024L165.433 48.551H199.414V46.2299ZM166.053 40.7887C166.727 38.4138 168.174 36.3234 170.171 34.84C172.169 33.3565 174.605 32.5624 177.106 32.58C182.379 32.58 186.321 35.651 187.697 40.7887H166.053Z" /> <path d="M304.071 46.2299C303.826 32.9014 294.944 23.5857 282.462 23.5857C269.788 23.5857 260.23 33.3165 260.23 46.221C260.158 52.1266 262.328 57.8325 266.289 62.1474C270.34 66.4726 276.149 68.8429 282.471 68.8429C288.793 68.8429 294.597 66.4637 298.648 62.1474C300.825 59.8026 302.472 57.0007 303.471 53.9387H293.221C291.125 57.7372 287.171 60.0405 282.458 60.0405C277.026 60.0405 272.642 56.108 271.436 50.024L271.142 48.551H304.058L304.071 46.2299ZM271.752 40.7887C272.405 38.4135 273.807 36.323 275.743 34.8395C277.679 33.3561 280.04 32.5621 282.462 32.58C287.57 32.58 291.388 35.651 292.721 40.7887H271.752Z" /> <path d="M458.229 46.2299C457.983 32.9014 449.1 23.5857 436.617 23.5857C423.941 23.5857 414.388 33.3165 414.388 46.221C414.313 52.126 416.482 57.8321 420.443 62.1474C424.498 66.4726 430.308 68.8429 436.626 68.8429C442.944 68.8429 448.754 66.4637 452.805 62.1474C454.982 59.8026 456.629 57.0007 457.628 53.9387H447.377C445.281 57.7372 441.331 60.0405 436.613 60.0405C431.18 60.0405 426.796 56.108 425.59 50.024L425.296 48.551H458.229V46.2299ZM425.91 40.7887C426.562 38.4135 427.964 36.3226 429.899 34.839C431.834 33.3555 434.195 32.5616 436.617 32.58C441.725 32.58 445.544 35.651 446.877 40.7887H425.91Z" /> <path d="M335.186 23.6276C327.992 23.1829 321.875 26.296 318.779 32.193V24.8684H306.9V67.4286H318.779V48.9503C318.779 37.6632 326.892 31.9039 335.186 35.1371V23.6276Z" /> <path d="M258.883 58.1735C257.211 58.9069 255.405 59.2878 253.578 59.2922C248.532 59.2922 245.75 56.2304 245.75 50.6685V33.6217H259.383V24.9268H245.741V6.61875L234.363 10.75V24.9268H215.035V6.61429L203.657 10.7456V52.1927C203.657 63.0848 209.315 68.8429 220.015 68.8429C224.19 68.8429 227.771 68.1699 230.929 66.7839L228.169 58.1825C226.496 58.9159 224.69 59.2967 222.864 59.3011C217.818 59.3011 215.035 56.2394 215.035 50.6774V33.6351H234.371V52.1927C234.371 63.0848 240.029 68.8429 250.733 68.8429C254.904 68.8429 258.486 68.1699 261.643 66.7839L258.883 58.1735Z" /> <path d="M534.709 58.1691C533.063 58.9024 531.285 59.2832 529.486 59.2877C524.51 59.2877 521.773 56.226 521.773 50.6641V33.6173H535.202V24.9223H521.769V6.61429L510.557 10.7456V52.1927C510.557 63.0848 516.132 68.8429 526.679 68.8429C530.793 68.8429 534.322 68.1699 537.429 66.7839L534.709 58.1691Z" /> <path d="M45.2571 60.232L81.2004 73.0857C87.0869 65.5936 90.5143 56.0542 90.5143 45.4144C90.5143 20.071 71.061 0.957146 45.2571 0.957146C19.4533 0.957146 0 20.071 0 45.4144C0 56.0542 3.43189 65.5805 9.31831 73.0857L45.2571 60.232Z" fill="#FFC729" /> </svg></span> </a> <div class="bt-Nav-triggerCta" data-behavior-toggle-class="is-expanded" data-toggle-target=".bt-OverlayPanel" data-behavior-overlay-nav-trigger="" role="button" tabindex="0" data-cy-overlaynavcta=""> <span class=""> <span class="bt-Icon"> <svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 16 16" aria-label="Open menu" role="img"> <title>Open menu</title> <path id="for-open" d="M0 9V7h16v2H0zm0-4V3h16v2H0zm0 8v-2h16v2H0z"></path> <path id="for-close" d="M14.6 0L8 6.6 1.4 0 0 1.4 6.6 8 0 14.6 1.4 16 8 9.4l6.6 6.6 1.4-1.4L9.4 8 16 1.4 14.6 0z"></path> </svg> </span> </span> </div> <div class="nav-wrap flex-wrap flex-middle"> <nav class="HeaderNavWp__nav" data-behavior-large-screen-nav="" aria-label="header navigation"> <div class="menu-new_menu-container"> <ul class="menu flex-wrap flex-middle"> <li id="menu-item-60a29a01ba7a2bcce2c6181ceea367d6" class="menu-item menu-item_depth-1 menu-item-has-children menu-item-60a29a01ba7a2bcce2c6181ceea367d6"> <a data-event="Invest" data-track-event="ElementClicked" data-track-name="Invest " data-track-module="TopNav" role="button" tabindex="0" aria-controls="menu-control-0" aria-expanded="false">Invest</a> <ul class="sub-menu" id="menu-control-0"> <li id="menu-item-208986cdbf8b72cc8b46161b4affbe8b" class="menu-item menu-item_depth-2 menu-item-208986cdbf8b72cc8b46161b4affbe8b"> <a href="https://www.betterment.com/investing" data-event="Automated investing" data-track-event="ElementClicked" data-track-name="AutomatedInvesting " data-track-module="TopNav" data-itemindex="0">Automated investing</a> </li> <li id="menu-item-c649ee25c300b999cb7f5fac900ba72b" class="menu-item menu-item_depth-2 menu-item-c649ee25c300b999cb7f5fac900ba72b"> <a href="https://www.betterment.com/investments" data-event="Portfolio options" data-track-event="ElementClicked" data-track-name="PortfolioOptions " data-track-module="TopNav" data-itemindex="1">Portfolio options</a> </li> <li id="menu-item-f444a3995c9177d1fcf3720732ae5941" class="menu-item menu-item_depth-2 menu-item-f444a3995c9177d1fcf3720732ae5941"> <a href="https://www.betterment.com/performance" data-event="Historical performance" data-track-event="ElementClicked" data-track-name="HistoricalPerformance " data-track-module="TopNav" data-itemindex="2">Historical performance</a> </li> <li id="menu-item-8aa48e6f0dfce009a38ce49563401029" class="menu-item menu-item_depth-2 menu-item-8aa48e6f0dfce009a38ce49563401029"> <a href="https://www.betterment.com/crypto" data-event="Crypto investing" data-track-event="ElementClicked" data-track-name="CryptoInvesting " data-track-module="TopNav" data-itemindex="3">Crypto investing</a> </li> <li id="menu-item-b7858b94edfc7169edb8c383f2e2e16e" class="menu-item menu-item_depth-2 menu-item-b7858b94edfc7169edb8c383f2e2e16e"> <a href="https://www.betterment.com/socially-responsible-investing" data-event="Socially responsible (SRI)" data-track-event="ElementClicked" data-track-name="SociallyResponsibleSri " data-track-module="TopNav" data-itemindex="4">Socially responsible (SRI)</a> </li> </ul> </li> <li id="menu-item-069b30db06d047a398f9eb0940d3279c" class="menu-item menu-item_depth-1 menu-item-has-children menu-item-069b30db06d047a398f9eb0940d3279c"> <a data-event="Cash" data-track-event="ElementClicked" data-track-name="Cash " data-track-module="TopNav" role="button" tabindex="0" aria-controls="menu-control-1" aria-expanded="false">Cash</a> <ul class="sub-menu" id="menu-control-1"> <li id="menu-item-edcde7079a023533f9785bb28a31bed4" class="menu-item menu-item_depth-2 menu-item-edcde7079a023533f9785bb28a31bed4"> <a href="https://www.betterment.com/cash-reserve" data-event="High-yield cash" data-track-event="ElementClicked" data-track-name="HighyieldCash " data-track-module="TopNav" data-itemindex="0">High-yield cash</a> </li> <li id="menu-item-087672aaf8674a05dcc6daf19d180d93" class="menu-item menu-item_depth-2 menu-item-087672aaf8674a05dcc6daf19d180d93"> <a href="https://www.betterment.com/checking" data-event="Checking " data-track-event="ElementClicked" data-track-name="Checking " data-track-module="TopNav" data-itemindex="1">Checking </a> </li> </ul> </li> <li id="menu-item-c86031fb48946393ddd43155bc4b8192" class="menu-item menu-item_depth-1 menu-item-has-children menu-item-c86031fb48946393ddd43155bc4b8192"> <a data-event="Retire" data-track-event="ElementClicked" data-track-name="Retire " data-track-module="TopNav" role="button" tabindex="0" aria-controls="menu-control-2" aria-expanded="false">Retire</a> <ul class="sub-menu" id="menu-control-2"> <li id="menu-item-28d7c3e81dbbbf3342942ccdaa6d9731" class="menu-item menu-item_depth-2 menu-item-28d7c3e81dbbbf3342942ccdaa6d9731"> <a href="https://www.betterment.com/ira-and-401k" data-event="IRAs" data-track-event="ElementClicked" data-track-name="Iras " data-track-module="TopNav" data-itemindex="0">IRAs</a> </li> <li id="menu-item-97e68c1178bb8dbc79b1e311339a57f0" class="menu-item menu-item_depth-2 menu-item-97e68c1178bb8dbc79b1e311339a57f0"> <a href="https://www.betterment.com/rollover" data-event="IRA and 401(k) rollover" data-track-event="ElementClicked" data-track-name="IraAnd401KRollover " data-track-module="TopNav" data-itemindex="1">IRA and 401(k) rollover</a> </li> <li id="menu-item-bbe10244057243ecf7914b9b3cec1560" class="menu-item menu-item_depth-2 menu-item-bbe10244057243ecf7914b9b3cec1560"> <a href="https://www.betterment.com/concierge" data-event="Rollover support " data-track-event="ElementClicked" data-track-name="RolloverSupport " data-track-module="TopNav" data-itemindex="2">Rollover support </a> </li> <li id="menu-item-496fa7e686ae0178a20527bfbe645263" class="menu-item menu-item_depth-2 menu-item-496fa7e686ae0178a20527bfbe645263"> <a href="https://www.betterment.com/retirement" data-event="Retirement advice " data-track-event="ElementClicked" data-track-name="RetirementAdvice " data-track-module="TopNav" data-itemindex="3">Retirement advice </a> </li> </ul> </li> <li id="menu-item-8d5e7e72f12067991186cdf3cb7d5d9d" class="menu-item menu-item_depth-1 menu-item-8d5e7e72f12067991186cdf3cb7d5d9d"> <a href="https://www.betterment.com/premium" data-event="Premium" data-track-event="ElementClicked" data-track-name="Premium " data-track-module="TopNav">Premium</a> </li> <li id="menu-item-ddcf50c29294d4414f3f7c1bbc892cb5" class="menu-item menu-item_depth-1 menu-item-has-children menu-item-ddcf50c29294d4414f3f7c1bbc892cb5"> <a data-event="Resources" data-track-event="ElementClicked" data-track-name="Resources " data-track-module="TopNav" role="button" tabindex="0" aria-controls="menu-control-4" aria-expanded="false">Resources</a> <ul class="sub-menu" id="menu-control-4"> <li id="menu-item-de7a22a0c94aa64ba2449e520aa20c99" class="menu-item menu-item_depth-2 menu-item-de7a22a0c94aa64ba2449e520aa20c99"> <a href="https://www.betterment.com/resources" data-event="Education" data-track-event="ElementClicked" data-track-name="Education " data-track-module="TopNav" data-itemindex="0">Education</a> </li> <li id="menu-item-db5eb84117d06047c97c9a0191b5fffe" class="menu-item menu-item_depth-2 menu-item-db5eb84117d06047c97c9a0191b5fffe"> <a href="https://www.betterment.com/contact" data-event="Support" data-track-event="ElementClicked" data-track-name="Support " data-track-module="TopNav" data-itemindex="1">Support</a> </li> <li id="menu-item-b499a255ff41e419c6f06c53dcb2fe2d" class="menu-item menu-item_depth-2 menu-item-b499a255ff41e419c6f06c53dcb2fe2d"> <a href="https://www.betterment.com/bonds-investing" data-event="Risk and return " data-track-event="ElementClicked" data-track-name="RiskAndReturn " data-track-module="TopNav" data-itemindex="2">Risk and return </a> </li> <li id="menu-item-cf23ee279844016288ea1c076638f3be" class="menu-item menu-item_depth-2 menu-item-cf23ee279844016288ea1c076638f3be"> <a href="https://www.betterment.com/about" data-event="About us" data-track-event="ElementClicked" data-track-name="AboutUs " data-track-module="TopNav" data-itemindex="3">About us</a> </li> <li id="menu-item-e22ac25b066b201473de7aa700ef5d92" class="menu-item menu-item_depth-2 menu-item-e22ac25b066b201473de7aa700ef5d92"> <a href="https://www.betterment.com/pricing" data-event="Pricing" data-track-event="ElementClicked" data-track-name="Pricing " data-track-module="TopNav" data-itemindex="4">Pricing</a> </li> <li id="menu-item-34e80a799d144cfe4af46815e103f017" class="menu-item menu-item_depth-2 menu-item-34e80a799d144cfe4af46815e103f017"> <a href="https://www.betterment.com/testimonials" data-event="Reviews" data-track-event="ElementClicked" data-track-name="Reviews " data-track-module="TopNav" data-itemindex="5">Reviews</a> </li> <li id="menu-item-0610123bdd4ffc191a3ea05a847e1307" class="menu-item menu-item_depth-2 menu-item-0610123bdd4ffc191a3ea05a847e1307"> <a href="https://www.betterment.com/press" data-event="Press" data-track-event="ElementClicked" data-track-name="Press " data-track-module="TopNav" data-itemindex="6">Press</a> </li> <li id="menu-item-beb09a9389bfd5c6ff5190dbad3a9ffc" class="menu-item menu-item_depth-2 menu-item-beb09a9389bfd5c6ff5190dbad3a9ffc"> <a href="https://www.betterment.com/pursuebetter" data-event="Pursue Better" data-track-event="ElementClicked" data-track-name="PursueBetter " data-track-module="TopNav" data-itemindex="7">Pursue Better</a> </li> </ul> </li> <li id="menu-item-0d1c608c1498367815da8105e26b0a9e" class="menu-item menu-item_depth-1 menu-item-has-children menu-item-0d1c608c1498367815da8105e26b0a9e"> <a data-event="Rewards" data-track-event="ElementClicked" data-track-name="Rewards " data-track-module="TopNav" role="button" tabindex="0" aria-controls="menu-control-5" aria-expanded="false">Rewards</a> <ul class="sub-menu" id="menu-control-5"> <li id="menu-item-3fff0afcddbc2395d31008ad3af5d019" class="menu-item menu-item_depth-2 menu-item-3fff0afcddbc2395d31008ad3af5d019"> <a href="https://www.betterment.com/tiered-investing-offer-2025" data-event="$1k investing match" data-track-event="ElementClicked" data-track-name="1KInvestingMatch " data-track-module="TopNav" data-itemindex="0">$1k investing match</a> </li> <li id="menu-item-b4f120626303258b47acecce580b9359" class="menu-item menu-item_depth-2 menu-item-b4f120626303258b47acecce580b9359"> <a href="https://www.betterment.com/affiliate-partner-offer" data-event="4.50% APY boost" data-track-event="ElementClicked" data-track-name="450ApyBoost " data-track-module="TopNav" data-itemindex="1">4.50% APY boost</a> </li> <li id="menu-item-225a097d8e113c5f9830777eae25b3f8" class="menu-item menu-item_depth-2 menu-item-225a097d8e113c5f9830777eae25b3f8"> <a href="https://www.betterment.com/friend-referral-offer" data-event="Refer a friend " data-track-event="ElementClicked" data-track-name="ReferAFriend " data-track-module="TopNav" data-itemindex="2">Refer a friend </a> </li> </ul> </li> </ul> </div> </nav> <nav class="bt-CourtesyNav-list flex-wrap flex-middle flex-spaceBetween" data-behavior-large-screen-nav="" aria-label="courtesy navigation mobile"> <div class="solutions-info"> <div class="headline">See solutions for</div> <ul class="flex-wrap"> <li class="item active-lob" id="menu-item-Individuals"> <a href="/" class="item-link" data-event="Individuals" data-track-event="ElementClicked" data-track-name="Individuals" data-track-module="CourtesyNav"> Individuals </a> </li> <li class="item " id="menu-item-Employers"> <a href="/work" class="item-link" data-event="Employers" data-track-event="ElementClicked" data-track-name="Employers" data-track-module="CourtesyNav"> Employers </a> </li> <li class="item " id="menu-item-Advisors"> <a href="/advisors" class="item-link" data-event="Advisors" data-track-event="ElementClicked" data-track-name="Advisors" data-track-module="CourtesyNav"> Advisors </a> </li> </ul> </div> </nav> <div class="bt-Nav-panelTrigger bt-nav-cta-1"> <div class="u-displayNone--until-lg"> <div> <a href="https://www.betterment.com/app/login" class="HeaderNavWp__LoginButton" data-cy-nav-large-secondary-cta="" data-track-event="ElementClicked" data-track-name="LogIn" data-track-module="TopNav" data-interaction-listener-registered="true"> Log in </a> </div> </div> </div> <div class="u-displayNone--until-lg bt-nav-cta-2"> <div> <span id="hs_cos_wrapper_module_16273343477845_" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_cta" style="" data-hs-cos-general-type="widget" data-hs-cos-type="cta"><span class="hs-cta-wrapper" id="hs-cta-wrapper-4effd7d2-e029-4b8e-a60a-54cebca19abe"><span class="hs-cta-node hs-cta-4effd7d2-e029-4b8e-a60a-54cebca19abe" id="hs-cta-4effd7d2-e029-4b8e-a60a-54cebca19abe"><a href="https://cta-redirect.hubspot.com/cta/redirect/5274572/4effd7d2-e029-4b8e-a60a-54cebca19abe"><img class="hs-cta-img" id="hs-cta-img-4effd7d2-e029-4b8e-a60a-54cebca19abe" style="border-width:0px;" src="https://no-cache.hubspot.com/cta/default/5274572/4effd7d2-e029-4b8e-a60a-54cebca19abe.png" alt="Get started"></a></span><script charset="utf-8" src="/hs/cta/cta/current.js"></script><script type="text/javascript"> hbspt.cta._relativeUrls=true;hbspt.cta.load(5274572, '4effd7d2-e029-4b8e-a60a-54cebca19abe', {"useNewLoader":"true","region":"na1"}); </script></span></span> </div> </div> </div> </div> </div> </div> </header> </div> </div> <div id="hs_cos_wrapper_module_16419355051849" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> </div> </div> </div> <main id="main-content" class="body-container-wrapper b4c-site"> <div class="container-fluid body-container body-container"> <div class="row-fluid-wrapper"> <div class="row-fluid"> <div class="span12 widget-span widget-type-cell " style="" data-widget-type="cell" data-x="0" data-w="12"> <div class="row-fluid-wrapper row-depth-1 row-number-1 dnd_area-row-0-force-full-width-section dnd-section dnd_area-row-0-padding"> <div class="row-fluid "> <div class="span12 widget-span widget-type-cell cell_16353660897022-padding dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12"> <div class="row-fluid-wrapper row-depth-1 row-number-2 dnd-row"> <div class="row-fluid "> <div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12"> <div id="hs_cos_wrapper_widget_1652503225509" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class="bt-section portfolio-details-hero-spacer bg-blue10 "></div> <section class="bt-section portfolio-details bt-section-padding-0966464" id="cash-reserve"> <div class="portfolio-details-top bg-blue10 has-backlink"> <div class="see-all-portfolios dark"> <div class="bt-container"> <a href="https://www.betterment.com/investments" class="bt-TertiaryButton bt-TertiaryButton_reverse">See all portfolios</a> </div> </div> <div class="bt-container portfolio-details-media"> <picture> <source media="(min-width:699px)" srcset="https://www.betterment.com/hubfs/Graphics/webpage-graphics/portfolio_graphics/cash-reserve-hero.png"> <img src="https://www.betterment.com/hubfs/Graphics/webpage-graphics/portfolio_graphics/cash-reserve-hero-mobile.png" alt=""> </picture> </div> </div> <div class="portfolio-details-bottom portfolio-details-bottom_image bg-white"> <div class="bt-container bt-container_small"> <h1 class="bt-title2 portfolio-details-name">Cash Reserve</h1> <div class="bt-body1 portfolio-details-description"><p>Cash Reserve is our no-fee, 100% cash account, which shields your money from market volatility. Because the returns on this account are low, relative to potential market returns, we typically recommend it only for money you plan to spend within the next year. This account includes the following features: 4.00% APY (variable)*, FDIC-insured up to $2 million at our program banks ($4 million for joint accounts)<sup>†</sup>, and fast access to your money.</p> <p>In aggregate, funds deposited into Cash Reserve are eligible for FDIC insurance once the funds reach one or more Program Banks (up to $250,000 of coverage for each insurable capacity—e.g., individual or joint—at up to eight Program Banks). If clients elect to exclude one or more Program Banks from receiving deposits the amount of FDIC insurance available through Cash Reserve may be lower.</p></div> <div class="portfolio-details-who bt-body2"> <span class="badge mb16 bg-teal10" role="heading" aria-level="2">Who it's for</span> <div>Anyone depositing money to be spent soon</div> </div> <div class="table_component portfolio-details-table portfolio-details-table_holdings"> <table> <tbody> <tr class="th"> <th scope="col"> <span class="bt-title3">Holdings</span></th> <th scope="col"> <span class="bt-body3">Program Banks in Cash Reserve</span> </th> </tr> <tr class="tr"> <th scope="row"> <span>Truist Bank<sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>State Street Bank and Trust Company<sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>HSBC Bank USA, N.A.<sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>Webster Bank, N.A.<sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>Barclays Bank Delaware<sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>First Merchant Bank<sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>Bell Bank (Fargo, North Dakota) <sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>The Bancorp Bank<sup>2</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>Cross River Bank</span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>First Internet Bank of Indiana <sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>Wells Fargo Bank, N.A.<sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>CIBC Bank USA<sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>NexBank<sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>Morgan Stanley Bank, N.A.<sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>Morgan Stanley Private Bank, National Association<sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> <tr class="tr"> <th scope="row"> <span>Bank of Hope<sup>1</sup></span> <div class="portfolio-details-holdings-assets"> <a href="https://www.betterment.com/legal/cash-reserve" target="_blank" rel="noopener">Program bank</a> </div> </th> <td> </td> </tr> </tbody> </table> </div> <div class="portfolio-details-additional-resources"> <h2 class="bt-title3">Additional Resources</h2> <a href="https://www.betterment.com/legal/cash-reserve">Cash Reserve Terms and Conditions</a> </div> <div class="portfolio-details-holdings-disclosures bt-body3"><p>Cash Reserve is for cash you intend to purchase securities with and should not be viewed as a long-term investment option. Program bank list last updated September 16, 2024.</p> <p style="text-align: left;">Cash Reserve provides Betterment clients with the opportunity to earn interest on cash intended to purchase securities through Betterment LLC and Betterment Securities. Cash Reserve should not be viewed as a long-term investment option.</p> <p style="text-align: left;">Trust and corporate accounts may be eligible for additional insurance.</p></div> </div> </div> </section> <script class="section-spacing-script" type="application/json">{"pt_lg":96,"pt_sm":64}</script> <style> .bt-section-padding-96966464{ padding-top: 96px; padding-bottom: 96px; } @media(max-width:699px){ .bt-section-padding-96966464{ padding-top: 64px; padding-bottom: 64px; } } </style></div> </div> </div> </div> <div class="row-fluid-wrapper row-depth-1 row-number-3 dnd-row"> <div class="row-fluid "> <div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12"> <div id="hs_cos_wrapper_widget_1652669280920" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <section class="bt-section simple-headline bg-white bt-section-padding-100100"> <div class="bt-container center dark"> <div class="flex-wrap bt-row flex-center"> <div class="bt-ContentGrid-item u-col-12 u-col-6@md "> <h2 class="bt-title2 "> The secure home for your cash.</h2> </div> </div> </div> </section> <script class="section-spacing-script" type="application/json">{"pt_lg":10,"pt_sm":10}</script> <style> .bt-section-padding-100100{ padding-top: 10px; padding-bottom: 0px; } @media(max-width:699px){ .bt-section-padding-100100{ padding-top: 10px; padding-bottom: 0px; } } </style> </div> </div> </div> </div> <div class="row-fluid-wrapper row-depth-1 row-number-4 dnd-row"> <div class="row-fluid "> <div class="span12 widget-span widget-type-cell cell_16526687644692-padding dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12"> <div class="row-fluid-wrapper row-depth-1 row-number-5 dnd-row"> <div class="row-fluid "> <div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12"> <div id="hs_cos_wrapper_widget_1652668764307" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <section class="bt-section features-set-icon bg-white mobile-list-row bt-section-padding-48962436"> <div class="bt-container "> <div class="grid-items left"> <ul class="flex-wrap bt-row flex-spaceEvenly item-offset-4 per-row-count-3 features-count-3"> <li class="flex-wrap bt-ContentGrid-item u-col-12 u-col-4@md odd "> <div class="item-content-wrap"> <div class="item-icon-svg teal"><svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 48 48" aria-hidden="true"><path fill-rule="evenodd" d="M4.25 4.25H43.75V19.75H38.6667V16.25H40.25V7.75H7.75V16.25H9.33333V19.75H4.25V4.25Z" clip-rule="evenodd" /><path fill-rule="evenodd" d="M37.6666 14.4166L10.3333 14.4166L10.3333 10.9166L37.6666 10.9166L37.6666 14.4166Z" clip-rule="evenodd" /><path fill-rule="evenodd" d="M15.75 38.9166L15.75 12.6666L12.25 12.6666L12.25 42.4166L35.75 42.4166L35.75 12.6666L32.25 12.6666L32.25 38.9166L15.75 38.9166Z" clip-rule="evenodd" /><path fill-rule="evenodd" d="M21.75 22.6666C21.75 21.424 22.7574 20.4166 24 20.4166C25.2426 20.4166 26.25 21.424 26.25 22.6666C26.25 23.9093 25.2426 24.9166 24 24.9166C22.7574 24.9166 21.75 23.9093 21.75 22.6666ZM24 16.9166C20.8244 16.9166 18.25 19.491 18.25 22.6666C18.25 25.8423 20.8244 28.4166 24 28.4166C27.1756 28.4166 29.75 25.8423 29.75 22.6666C29.75 19.491 27.1756 16.9166 24 16.9166Z" clip-rule="evenodd" /></svg></div> <div class="item-content-area dark"> <h3 class="item-headline bt-title3">Interest.</h3> <div class="item-body bt-body2"><p>Earn interest on your cash with a variable annual percent yield (APY).</p></div> </div> </div> </li> <li class="flex-wrap bt-ContentGrid-item u-col-12 u-col-4@md even "> <div class="item-content-wrap"> <div class="item-icon-svg teal"><svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 48 48" aria-hidden="true"><path fill-rule="evenodd" d="M8 40.25L40 40.25L40 43.75L8 43.75L8 40.25Z" clip-rule="evenodd" /><path fill-rule="evenodd" d="M22.25 32L22.25 4L25.75 4L25.75 32L22.25 32Z" clip-rule="evenodd" /><path fill-rule="evenodd" d="M24 36.4748L10.7626 23.2374L13.2374 20.7625L24 31.5251L34.7626 20.7625L37.2374 23.2374L24 36.4748Z" clip-rule="evenodd" /></svg></div> <div class="item-content-area dark"> <h3 class="item-headline bt-title3">FDIC insured.</h3> <div class="item-body bt-body2"><p>Your money is FDIC-insured up to $2 million <span>FDIC insurance with our </span><a href="https://betterment.com/cash-portfolio" rel="noopener">program banks</a><span>,</span> ($4 million for joint accounts). <span>subject to certain conditions.</span></p></div> </div> </div> </li> <li class="flex-wrap bt-ContentGrid-item u-col-12 u-col-4@md odd "> <div class="item-content-wrap"> <div class="item-icon-svg teal"><svg xmlns="http://www.w3.org/2000/svg" viewbox="0 0 48 48" aria-hidden="true"><path fill-rule="evenodd" d="M43.8 24.5L5 35l-.9-3.4L43 21l.9 3.4z" clip-rule="evenodd" /><path fill-rule="evenodd" d="M36 16.9a2.5 2.5 0 10-1.3-4.9 2.5 2.5 0 001.3 5zm.9 3.3a6 6 0 10-3.1-11.6 6 6 0 003.1 11.6z" clip-rule="evenodd" /><path d="M13.8 20.1a6 6 0 11-11.6 3.1 6 6 0 0111.6-3z" /><path fill-rule="evenodd" d="M8.3 22.7a1 1 0 10-.5-2 1 1 0 00.5 2zm1.3 4.8a6 6 0 10-3.1-11.6 6 6 0 003 11.6z" clip-rule="evenodd" /><path fill-rule="evenodd" d="M16 42h16l-8-8-8 8z" clip-rule="evenodd" /></svg></div> <div class="item-content-area dark"> <h3 class="item-headline bt-title3">Easy money movement.</h3> <div class="item-body bt-body2"><p>No limits or fees on how often you can move money. You can usually withdraw in just 1–2 business days.</p></div> </div> </div> </li> </ul> </div> </div> </section> <script class="section-spacing-script" type="application/json">{"pt_lg":48,"pt_sm":24}</script> <style> .bt-section-padding-48962436{ padding-top: 48px; padding-bottom: 96px; } @media(max-width:699px){ .bt-section-padding-48962436{ padding-top: 24px; padding-bottom: 36px; } } </style> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="row-fluid-wrapper row-depth-1 row-number-6 dnd_area-row-1-padding dnd-section dnd_area-row-1-force-full-width-section"> <div class="row-fluid "> <div class="span12 widget-span widget-type-cell cell_16353918523142-padding dnd-column" style="" data-widget-type="cell" data-x="0" data-w="12"> <div class="row-fluid-wrapper row-depth-1 row-number-7 dnd-row"> <div class="row-fluid "> <div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12"> <div id="hs_cos_wrapper_widget_1635392453026" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <section class="bt-section transition-triangle bg-white " aria-hidden="true"> <div class="triangle-shape gold50"> <svg width="2000" height="150" viewbox="0 0 2000 150" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Triangle illustration </title> <path d="M0 122.922L1004.7 0L2000 122.922V149.5H0V122.922Z" fill="currentColor" /> </svg> </div> </section> </div> </div> </div> </div> <div class="row-fluid-wrapper row-depth-1 row-number-8 dnd-row"> <div class="row-fluid "> <div class="span12 widget-span widget-type-custom_widget dnd-module" style="" data-widget-type="custom_widget" data-x="0" data-w="12"> <div id="hs_cos_wrapper_widget_1635392422327" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <section class="bt-section bottom-cta-landscape bt-section-padding-138300138300"> <div class="bt-container"> <div class="flex-wrap bt-row"> <div class="bt-ContentGrid-item u-col-12 dark "> <div class="flex-wrap bt-row center flex-center"> <h2 class="bt-ContentGrid-item u-col-12 u-col-4@lg">Be invested.</h2> <div class="u-col-12"></div> <div class="u-col-12"></div> <div class="hs-cta "> <span><span id="hs_cos_wrapper_widget_1635392422327_" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_cta" style="" data-hs-cos-general-type="widget" data-hs-cos-type="cta"><span class="hs-cta-wrapper" id="hs-cta-wrapper-4effd7d2-e029-4b8e-a60a-54cebca19abe"><span class="hs-cta-node hs-cta-4effd7d2-e029-4b8e-a60a-54cebca19abe" id="hs-cta-4effd7d2-e029-4b8e-a60a-54cebca19abe"><a href="https://cta-redirect.hubspot.com/cta/redirect/5274572/4effd7d2-e029-4b8e-a60a-54cebca19abe"><img class="hs-cta-img" id="hs-cta-img-4effd7d2-e029-4b8e-a60a-54cebca19abe" style="border-width:0px;" src="https://no-cache.hubspot.com/cta/default/5274572/4effd7d2-e029-4b8e-a60a-54cebca19abe.png" alt="Get started"></a></span><script charset="utf-8" src="/hs/cta/cta/current.js"></script><script type="text/javascript"> hbspt.cta._relativeUrls=true;hbspt.cta.load(5274572, '4effd7d2-e029-4b8e-a60a-54cebca19abe', {"useNewLoader":"true","region":"na1"}); </script></span></span></span> </div> </div> </div> </div> </div> <div class="background-absolute bg-image bg-image_desktop lazy" data-bg="https://resources.betterment.com/hubfs/Graphics/webpage-graphics/Landscapes/Landscape-Lake-Sunrise-Gold50_desktop.svg"></div> <div class="background-absolute bg-image bg-image_mobile lazy" data-bg="https://resources.betterment.com/hubfs/Graphics/webpage-graphics/Landscapes/Landscape-Lake-Sunrise-Gold50_mobile.svg"></div> </section> <script class="section-spacing-script" type="application/json">{"pt_lg":138,"pt_sm":138}</script> <style> .bt-section-padding-138300138300{ padding-top: 138px; padding-bottom: 300px; } @media(max-width:699px){ .bt-section-padding-138300138300{ padding-top: 138px; padding-bottom: 300px; } } </style> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </main> <div id="hs_cos_wrapper_page_classification_16736192423171" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <script id="user-intent-script-data" type="application/json"> {"account_interest":{"associated_page_type":null,"key":"null","motivation":null},"page_type":"b4c-site","portfolio_interest":{"associated_page_type":null,"key":"cash-reserve","motivation":null},"product_category":{"associated_page_type":["b4c-site"],"key":"savings","motivation":"savings"},"template_type":"page","url":"/cash-portfolio","visited_order":1} </script> </div> <div id="hs_cos_wrapper_get_started_mobile_popup_1665176274" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> </div> <div id="hs_cos_wrapper_chatbot_1632169171" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> </div> <footer class="bt-section footer bg-navy white b4c-site"> <div class="bt-container"> <div id="hs_cos_wrapper_module_16267052898241" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class="footer-main-columns u-flex u-flexJustifyBetween"> <div class="footer-logo-wrapper"> <svg viewbox="0 0 91 74" width="35" height="29" xmlns="http://www.w3.org/2000/svg" fill="none"> <title>Betterment Logo Icon SVG Footer</title> <path d="M45.2571 60.0478C53.6288 63.0794 68.2782 68.3853 81.1967 73.0658C87.083 65.4792 90.5143 55.8131 90.5143 45.0369C90.5143 19.3603 71.0593 0 45.2571 0C19.4571 0 0 19.3603 0 45.0369C0 55.8153 3.42913 65.4792 9.31758 73.0658C22.26 68.3788 36.9311 63.0643 45.2571 60.0478Z" fill="#FFC729" /> </svg> </div> <nav class="footer-menu-wrapper" aria-label="footer navigation"> <ul> <li class="footer-menu_column footer-menu_column-0"> <div class="footer-menu-title">Accounts</div> <ul> <li> <a class="footer__menu__item" href="https://www.betterment.com/investing" target="" data-track-event="ElementClicked" data-track-name="Automated investing" data-track-module="Footer" data-interaction-listener-registered="true">Automated investing</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/cash-reserve" target="" data-track-event="ElementClicked" data-track-name="High-yield cash " data-track-module="Footer" data-interaction-listener-registered="true">High-yield cash </a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/ira-and-401k" target="" data-track-event="ElementClicked" data-track-name="IRAs" data-track-module="Footer" data-interaction-listener-registered="true">IRAs</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/crypto" target="" data-track-event="ElementClicked" data-track-name="Crypto investing" data-track-module="Footer" data-interaction-listener-registered="true">Crypto investing</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/checking" target="" data-track-event="ElementClicked" data-track-name="Checking" data-track-module="Footer" data-interaction-listener-registered="true">Checking</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/trust-accounts" target="" data-track-event="ElementClicked" data-track-name="Trusts" data-track-module="Footer" data-interaction-listener-registered="true">Trusts</a> </li> </ul> </li> <li class="footer-menu_column footer-menu_column-1"> <div class="footer-menu-title">Tools</div> <ul> <li> <a class="footer__menu__item" href="https://www.betterment.com/investments" target="" data-track-event="ElementClicked" data-track-name="Portfolio options" data-track-module="Footer" data-interaction-listener-registered="true">Portfolio options</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/performance" target="" data-track-event="ElementClicked" data-track-name="Historical performance" data-track-module="Footer" data-interaction-listener-registered="true">Historical performance</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/mobile-app" target="" data-track-event="ElementClicked" data-track-name="Mobile app" data-track-module="Footer" data-interaction-listener-registered="true">Mobile app</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/goals" target="" data-track-event="ElementClicked" data-track-name="Goal tracker" data-track-module="Footer" data-interaction-listener-registered="true">Goal tracker</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/dashboard" target="" data-track-event="ElementClicked" data-track-name="All-in-one dashboard" data-track-module="Footer" data-interaction-listener-registered="true">All-in-one dashboard</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/charitable-giving/" target="" data-track-event="ElementClicked" data-track-name="Charitable giving" data-track-module="Footer" data-interaction-listener-registered="true">Charitable giving</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/socially-responsible-investing" target="" data-track-event="ElementClicked" data-track-name="Socially responsible (SRI)" data-track-module="Footer" data-interaction-listener-registered="true">Socially responsible (SRI)</a> </li> </ul> </li> <li class="footer-menu_column footer-menu_column-2"> <div class="footer-menu-title">Service </div> <ul> <li> <a class="footer__menu__item" href="https://www.betterment.com/financial-experts" target="" data-track-event="ElementClicked" data-track-name="Talk to an advisor" data-track-module="Footer" data-interaction-listener-registered="true">Talk to an advisor</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/premium" target="" data-track-event="ElementClicked" data-track-name="Premium" data-track-module="Footer" data-interaction-listener-registered="true">Premium</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/rollover" target="" data-track-event="ElementClicked" data-track-name="Rollover support" data-track-module="Footer" data-interaction-listener-registered="true">Rollover support</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/retirement" target="" data-track-event="ElementClicked" data-track-name="Retirement advice" data-track-module="Footer" data-interaction-listener-registered="true">Retirement advice</a> </li> </ul> </li> <li class="footer-menu_column footer-menu_column-3"> <div class="footer-menu-title">Resources</div> <ul> <li> <a class="footer__menu__item" href="https://www.betterment.com/resources" target="" data-track-event="ElementClicked" data-track-name="Education" data-track-module="Footer" data-interaction-listener-registered="true">Education</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/contact" target="" data-track-event="ElementClicked" data-track-name="Support" data-track-module="Footer" data-interaction-listener-registered="true">Support</a> </li> <li> <a class="footer__menu__item" href="/help/tag/common-questions" target="" data-track-event="ElementClicked" data-track-name="FAQ" data-track-module="Footer" data-interaction-listener-registered="true">FAQ</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/bonds-investing" target="" data-track-event="ElementClicked" data-track-name="Risk and return" data-track-module="Footer" data-interaction-listener-registered="true">Risk and return</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/pricing" target="" data-track-event="ElementClicked" data-track-name="Pricing" data-track-module="Footer" data-interaction-listener-registered="true">Pricing</a> </li> </ul> </li> <li class="footer-menu_column footer-menu_column-4"> <div class="footer-menu-title">About</div> <ul> <li> <a class="footer__menu__item" href="https://www.betterment.com/about" target="" data-track-event="ElementClicked" data-track-name="About us" data-track-module="Footer" data-interaction-listener-registered="true">About us</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/testimonials" target="" data-track-event="ElementClicked" data-track-name="Reviews" data-track-module="Footer" data-interaction-listener-registered="true">Reviews</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/press" target="" data-track-event="ElementClicked" data-track-name="Press" data-track-module="Footer" data-interaction-listener-registered="true">Press</a> </li> <li> <a class="footer__menu__item" href="https://shop.betterment.com" target="" data-track-event="ElementClicked" data-track-name="Shop" data-track-module="Footer" data-interaction-listener-registered="true">Shop</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/careers" target="" data-track-event="ElementClicked" data-track-name="Careers" data-track-module="Footer" data-interaction-listener-registered="true">Careers</a> </li> </ul> </li> <li class="footer-menu_column footer-menu_column-5"> <div class="footer-menu-title">Rewards</div> <ul> <li> <a class="footer__menu__item" href="https://www.betterment.com/tiered-investing-offer-2025" target="" data-track-event="ElementClicked" data-track-name="$1k investing match" data-track-module="Footer" data-interaction-listener-registered="true">$1k investing match</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/affiliate-partner-offer" target="" data-track-event="ElementClicked" data-track-name="4.50% APY boost" data-track-module="Footer" data-interaction-listener-registered="true">4.50% APY boost</a> </li> <li> <a class="footer__menu__item" href="https://www.betterment.com/friend-referral-offer" target="" data-track-event="ElementClicked" data-track-name="Refer a friend" data-track-module="Footer" data-interaction-listener-registered="true">Refer a friend</a> </li> </ul> </li> <li class="footer-menu_column footer-menu_column-6"> <div class="footer-menu-title">Disclosures</div> <ul> <li> <a class="footer__menu__item" href="https://www.betterment.com/legal" target="" data-track-event="ElementClicked" data-track-name="Legal" data-track-module="Footer" data-interaction-listener-registered="true">Legal</a> </li> </ul> </li> </ul> </nav> </div> <div class="footer-bottom-menu"> <div class="footer-social-icons"> <ul class="flex"> <li> <a href="https://www.instagram.com/betterment/" target="_blank" rel="noopener noreferrer"><svg aria-label="Betterment on Instagram" width="24" height="24" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg"> <title>Betterment on Instagram</title> <path d="M12 2.163C15.204 2.163 15.584 2.175 16.85 2.233C20.102 2.381 21.621 3.924 21.769 7.152C21.827 8.417 21.838 8.797 21.838 12.001C21.838 15.206 21.826 15.585 21.769 16.85C21.62 20.075 20.105 21.621 16.85 21.769C15.584 21.827 15.206 21.839 12 21.839C8.796 21.839 8.416 21.827 7.151 21.769C3.891 21.62 2.38 20.07 2.232 16.849C2.174 15.584 2.162 15.205 2.162 12C2.162 8.796 2.175 8.417 2.232 7.151C2.381 3.924 3.896 2.38 7.151 2.232C8.417 2.175 8.796 2.163 12 2.163ZM12 0C8.741 0 8.333 0.014 7.053 0.072C2.695 0.272 0.273 2.69 0.073 7.052C0.014 8.333 0 8.741 0 12C0 15.259 0.014 15.668 0.072 16.948C0.272 21.306 2.69 23.728 7.052 23.928C8.333 23.986 8.741 24 12 24C15.259 24 15.668 23.986 16.948 23.928C21.302 23.728 23.73 21.31 23.927 16.948C23.986 15.668 24 15.259 24 12C24 8.741 23.986 8.333 23.928 7.053C23.732 2.699 21.311 0.273 16.949 0.073C15.668 0.014 15.259 0 12 0V0ZM12 5.838C8.597 5.838 5.838 8.597 5.838 12C5.838 15.403 8.597 18.163 12 18.163C15.403 18.163 18.162 15.404 18.162 12C18.162 8.597 15.403 5.838 12 5.838ZM12 16C9.791 16 8 14.21 8 12C8 9.791 9.791 8 12 8C14.209 8 16 9.791 16 12C16 14.21 14.209 16 12 16ZM18.406 4.155C17.61 4.155 16.965 4.8 16.965 5.595C16.965 6.39 17.61 7.035 18.406 7.035C19.201 7.035 19.845 6.39 19.845 5.595C19.845 4.8 19.201 4.155 18.406 4.155Z" fill="currentColor"></path> </svg></a> </li> <li> <a href="http://facebook.com/betterment" target="_blank" rel="noopener noreferrer"><svg fill="currentColor" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 16 16" aria-label="Betterment on Facebook" role="img"><title>Betterment on Facebook</title><path d="M9.5 3H12V0H9.5C7.5 0 6 1.6 6 3.5V5H4v3h2v8h3V8h2.5l.5-3H9V3.5c0-.3.2-.5.5-.5"></path></svg></a> </li> <li> <a href="http://twitter.com/betterment" target="_blank" rel="noopener noreferrer"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewbox="0 0 1200 1227" aria-label="Betterment on X"> <title>Betterment on X</title> <path fill="currentColor" d="M714.163 519.284 1160.89 0h-105.86L667.137 450.887 357.328 0H0l468.492 681.821L0 1226.37h105.866l409.625-476.152 327.181 476.152H1200L714.137 519.284h.026ZM569.165 687.828l-47.468-67.894-377.686-540.24h162.604l304.797 435.991 47.468 67.894 396.2 566.721H892.476L569.165 687.854v-.026Z" /> </svg></a> </li> <li> <a href="http://www.linkedin.com/company/betterment" target="_blank" rel="noopener noreferrer"><svg fill="currentColor" xmlns="http://www.w3.org/2000/svg" viewbox="0 0 16 16" aria-label="Betterment on LinkedIn" role="img"> <title>Betterment on LinkedIn</title> <path d="M.2 15.2h3.4V4.9H.2v10.3zM1.9 0C.8 0 0 .8 0 1.8s.7 1.8 1.9 1.8 2-.8 2-1.8S3 0 1.9 0zM16 9.3v5.9h-3.4V9.7c0-1.4-.5-2.3-1.8-2.3-1 0-1.5.6-1.7 1.2l-.1.9v5.7H5.5V4.9H9v1.5c.4-.7 1.2-1.7 3-1.7 2.3 0 4 1.5 4 4.6z"></path> </svg></a> </li> </ul> </div> <div class="footer-apps-icons"> <ul class="flex"> <li> <a class="track-ios-click" href="https://apps.apple.com/us/app/betterment-money-management/id393156562" target="_blank" rel="noopener noreferrer" data-behavior-app-store-link="" data-cy-apple-store-link="" data-appsflyer-source="retailBrochureFooter" data-track-event="AppStoreSelected" data-track-name="DownloadIOSAppStore" data-track-module="Footer"> <img class="lazy" data-src="https://www.betterment.com/hubfs/Graphics/shared-assets/app-store-badge_wht-bdr.svg" alt="apple-app-store"> </a> </li> <li> <a class="track-google-play-click" href="https://play.google.com/store/apps/details?id=com.betterment" target="_blank" rel="noopener noreferrer" data-behavior-app-store-link="" data-cy-android-store-link="" data-android-store-link data-appsflyer-source="retailBrochureFooter" data-track-event="AppStoreSelected" data-track-name="DownloadGooglePlay" data-track-module="Footer"> <img class="lazy" data-src="https://www.betterment.com/hubfs/Graphics/shared-assets/google-play-badge-wht-bdr.svg" alt="google-play-store"> </a> </li> </ul> </div> <div class="footer-bottom-links"> <ul class="flex"> <li> <a href="https://www.betterment.com/contact" data-track-event="ElementClicked" data-track-name="Contact us" data-track-module="Footer" data-interaction-listener-registered="true">Contact us</a> </li> <li> <a href="https://www.betterment.com/work" data-track-event="ElementClicked" data-track-name="Betterment 401(k)" data-track-module="Footer" data-interaction-listener-registered="true">Betterment 401(k)</a> </li> <li> <a href="https://www.betterment.com/advisors" data-track-event="ElementClicked" data-track-name="Betterment Advisors Solutions" data-track-module="Footer" data-interaction-listener-registered="true">Betterment Advisors Solutions</a> </li> </ul> </div> </div> </div> <div id="hs_cos_wrapper_footer_disclosures_set" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> <div class="footer-disclosure-wrap"> <div class="footer-disclosure-rows editable-note"><p>For Cash Reserve (“CR”), Betterment LLC only receives compensation from our program banks; Betterment LLC and Betterment Securities do not charge fees on your CR balance.</p> <p><sup>1</sup><span> </span>Program Bank using both a Money Market Deposit Account and a Demand Deposit Account.<br><br><sup>2</sup><span> </span>Program Bank that also holds funds through the Transfer Sweep Program.</p></div> <div class="footer-disclosure-rows optional-disclosure flex"> <span><sup>*</sup></span> <div><span>The annual percentage yield ("APY") on the deposit balances in Betterment Cash Reserve ("Cash Reserve") is 4.00% and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the "</span><a href="https://www.betterment.com/cash-portfolio"></a><span><a href="https://www.betterment.com/cash-portfolio">Program Banks</a></span><span>") and is current as of December 27, 2024. This APY is variable and subject to change daily. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.</span><br><span><br>See Betterment's </span><a href="https://resources.betterment.com/legal/form-adv-part-2"></a><span><a href="https://resources.betterment.com/legal/form-adv-part-2">Form ADV Part II</a> </span><span>and </span><a href="https://resources.betterment.com/legal/terms"></a><span><a href="https://resources.betterment.com/legal/terms">Terms and Conditions</a></span><span> for additional information, including details on the deposit allocation methodology.</span></div> </div> <div class="footer-disclosure-rows optional-disclosure flex"> <span><sup>†</sup></span> <div><p><span>Betterment Cash Reserve ("Cash Reserve") is offered by Betterment LLC through brokerage accounts at Betterment Securities. Betterment LLC is not a bank. Client funds in Cash Reserve are deposited into one or more FDIC-insured banks (“</span><a href="//betterment.com/cash-portfolio"></a><span><a href="//betterment.com/cash-portfolio">Program Banks</a></span><span>”), where they earn variable interest and are eligible for FDIC insurance (subject to certain conditions). Cash Reserve provides Betterment clients with the opportunity to earn interest on cash intended to purchase securities through Betterment LLC and Betterment Securities. Cash Reserve should not be viewed as a long-term investment option.</span></p> <p><span>Funds in brokerage accounts are protected by SIPC, but funds at Program Banks are FDIC-insured up to $250K per depositor per bank, with a potential aggregate limit of $2M ($4M for joint accounts) once the funds reach one or more Program Banks. Funds in transit to or from Program Banks are generally not FDIC-insured but are covered by SIPC. FDIC insurance limits include all accounts held at a bank, not just Cash Reserve funds. Trust and corporate accounts may be eligible for additional insurance. Clients are responsible for monitoring their deposits across Program Banks to avoid exceeding FDIC limits.</span></p> <p><span>For details, see Betterment’s </span><a href="https://www.betterment.com/legal/cash-reserve"><span>Cash Reserve T&Cs </span></a><span>and </span><a href="//www.betterment.com/adv"><span>Form ADV Part 2</span></a><span>. FDIC insurance information is available at</span><a href="http://www.fdic.gov/"><span> </span><span>FDIC.gov</span></a><span>.</span></p></div> </div> <div class="footer-disclosure-rows optional-disclosure flex"> <div></div> </div> <div class="footer-disclosure-rows entity-disclosure flex"> <div> <p>This experience and any marketing of the experience are provided by Betterment LLC. To the extent that there is marketing related to Betterment Checking, it is provided by Betterment Financial LLC.</p> <p>The articles and client support materials available are educational only and not investment or tax advice.</p> <p>We want you to know a few things:  </p> <p><strong>Who Provides What Service?</strong></p> <p>Investment Advice: Advisory services for traditional investments (e.g., ETFs) are provided by Betterment LLC, an SEC-registered investment adviser. Betterment LLC also offers the Betterment Cash Reserve product. Betterment LLC does not require clients to maintain a minimum investment account balance. However, accounts below a certain balance may have certain restrictions. For more information, please see<span> </span><a href="https://www.betterment.com/legal/portfolio-minimum"><span>additional disclosure</span></a>.</p> <p>Traditional Investment Brokerage Services & Custody: Brokerage services are provided to clients of Betterment LLC by Betterment Securities, an SEC-registered broker-dealer and member of<span> </span><a href="https://www.finra.org/">FINRA</a><span> </span>/<a href="https://www.sipc.org/">SIPC</a>, and Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC.</p> <p>Betterment Checking: Betterment Checking is made available through Betterment Financial LLC. Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC. Neither Betterment LLC nor Betterment Financial LLC, nor any of their affiliates, is a bank.</p> <p><strong>Let’s Talk About Risk:</strong></p> <p>Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results and the likelihood of investment outcomes are hypothetical in nature.</p> <p>Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value. </p> <p>Before investing, consider your investment objectives and Betterment LLC's fees and expenses. Betterment LLC's internet-based advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client's financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see Betterment’s<span> </span><a href="https://www.betterment.com/legal/form-crs"><span>Form CRS</span></a>,<span> </span><a href="https://www.betterment.com/adv"><span>Form ADV Part II</span></a><span> </span>and<span> </span><a href="https://www.betterment.com/legal"><span>other disclosures</span></a>.</p> <p>Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment LLC is not registered.</p> <p><strong>Who Provides the Market Data?</strong><a href="http://www.xignite.com/"></a></p> <p><a href="http://www.xignite.com/"><span>Market Data</span></a><span> </span>by Xignite. Fund data © 2022 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and  (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.</p> </div> </div> <div class="footer-disclosure-rows"> <div> <p> You are viewing a web property located at Betterment.com. Different properties may be provided by a different entity with different marketing standards. </p> <ul class="flex-wrap list-links"> <li> <a href="/sitemap">Site Map</a> </li> <li> <a href="/legal/terms">Terms of Use</a> </li> <li> <a href="/legal/privacy-policy">Privacy Policy</a> </li> <li> <a href="/legal/copyright-intellectual-property">Trademark</a> </li> <li> <a href="/legal">Legal Directory</a> </li> <li> <button class="button-reset flex-wrap u-flexAlignItemsCenter privacy-banner-trigger" data-track-event="ElementClicked" data-track-name="Privacy controls" data-track-module="Footer" data-interaction-listener-registered="true"> <span>Privacy controls</span> <span> <img src="https://www.betterment.com/hubfs/Graphics/webpage-graphics/privacy-controls-logo.png" alt="Privacy controls icon"> </span> </button> </li> </ul> <p>Google Play and the Google Play logo are trademarks of Google, Inc.</p> <p>Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.</p> <p>Betterment assumes no responsibility or liability whatsoever for the content, accuracy, reliability or opinions expressed in a third-party website, to which a published article links (a “linked website”). Such linked websites are not monitored, investigated, or checked for accuracy or completeness by Betterment. It is your responsibility to evaluate the accuracy, reliability, timeliness and completeness of any information available on a linked website. All products, services, and content obtained from a linked website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy. If Betterment has a relationship or affiliation with the author or content, it will note this in additional disclosure.</p> <p>© Betterment. All rights reserved</p> </div> </div> </div></div> </div> </footer> </div>  <script defer src="/hs/hsstatic/content-cwv-embed/static-1.1293/embed.js"></script> <script src="https://cdnjs.cloudflare.com/ajax/libs/jquery/3.5.1/jquery.min.js"></script> <script src="https://cdnjs.cloudflare.com/ajax/libs/jquery-migrate/3.3.1/jquery-migrate.min.js"></script> <script id="__ada" data-handle="betterment-cx" src="https://static.ada.support/embed2.js" data-lazy=""></script> <script src="https://www.betterment.com/hs-fs/hubfs/hub_generated/template_assets/1/57001203564/1738258528482/template_btTrackingInit.min.js"></script> <script src="https://www.betterment.com/hs-fs/hubfs/hub_generated/template_assets/1/49666399874/1737993822808/template_main.min.js"></script> <script> var hsVars = hsVars || {}; hsVars['language'] = 'en'; </script> <script src="/hs/hsstatic/cos-i18n/static-1.53/bundles/project.js"></script> <script src="https://www.betterment.com/hs-fs/hub/5274572/hub_generated/template_assets/54140855575/1666904644659/betterment-theme/js/custom-scripts/navigation.min.js"></script> <script src="https://www.betterment.com/hs-fs/hubfs/hub_generated/module_assets/1/1636661458/1739481848347/module_toast_banner_global.min.js"></script> <script src="https://www.betterment.com/hubfs/hub_generated/module_assets/1/72547763248/1734637816000/module_portfolio_details.js"></script> <script src="https://www.betterment.com/hs-fs/hub/5274572/hub_generated/module_assets/87640144244/1725556675401/module_87640144244_get_started_mobile_popup.min.js"></script> <script src="https://www.betterment.com/hs-fs/hub/5274572/hub_generated/module_assets/55748752406/1725556670961/module_55748752406_chatbot.min.js"></script>  <script type="text/javascript"> var _hsq = _hsq || []; _hsq.push(["setContentType", "standard-page"]); _hsq.push(["setCanonicalUrl", "https:\/\/www.betterment.com\/cash-portfolio"]); _hsq.push(["setPageId", "73660943449"]); _hsq.push(["setContentMetadata", { "contentPageId": 73660943449, "legacyPageId": "73660943449", "contentFolderId": null, "contentGroupId": null, "abTestId": null, "languageVariantId": 73660943449, "languageCode": "en", }]); </script> <script type="text/javascript" id="hs-script-loader" async defer src="/hs/scriptloader/5274572.js"></script>  <script type="text/javascript"> var hsVars = { render_id: "94ab4fd5-bdb0-4dad-9c8d-45db1f3aa21b", ticks: 1739913217984, page_id: 73660943449, content_group_id: 0, portal_id: 5274572, app_hs_base_url: "https://app.hubspot.com", cp_hs_base_url: "https://cp.hubspot.com", language: "en", analytics_page_type: "standard-page", scp_content_type: "", analytics_page_id: "73660943449", category_id: 1, folder_id: 0, is_hubspot_user: false } </script> <script defer src="/hs/hsstatic/HubspotToolsMenu/static-1.393/js/index.js"></script> </body></html>

CINXE.COM

Betterment Cash Reserve Details | Program Banks and Benefits