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Smarter is Better

From the money you need today to the money you're saving for tomorrow and beyond, Betterment is your smart money manager, built to help you make the most of it.

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Financial institutions should work harder for you. For everyone. That's why we started Betterment a decade ago, and it's why we haven't stopped working for you ever since.

This is what we're all about
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Get the most out of every dollar, every day.

Betterment Everyday is our savings and checking platform that seamlessly integrates with your Betterment investments. Earn up to APY* with Savings and get ATM fees reimbursed worldwide with Checking, insured by FDIC.

Meet Betterment Everyday™
Up to
APY on your savings
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Invest smarter for a comfortable tomorrow.

Since 2010, we've worked to make investing more efficient and accessible using technology and Nobel Prize‐backed research.

Built-in financial guidance

Tax Smart technology

Transparent 0.25% annual fee

Investing with Betterment

Build a secure future with a retirement plan.

No matter your age or situation, we can help you build a plan for life after work. We'll help you determine how much to save and automatically invest your contributions.

A retirement plan tailored to you

You could earn an estimated 38% more over 30 years

0.25% annual fee and no minimum balance

Retiring with Betterment

You could earn an estimated 38% more over 30 years.

You could earn an estimated 38% more over 30 years.

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Ready to make the most of your financial life?

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Getting into the details

*The Betterment Everyday Savings ("Savings") annual percentage yield ("APY") is as of . Individuals who sign up for the Betterment Everyday Checking waitlist receive a APY, which includes a promotional rate increase that extends at least for the duration of 2019 and until every individual on the waitlist has an opportunity to access Checking. Additional promotional rate increase offers will be made available upon the full launch of Checking. APY is as of without the promotional rate increase. APY is a variable rate that can fluctuate daily, based on the Federal Funds Rate and terms offered by banks participating in Savings. APY may change at any time without notice. Current APY can be found here. No minimum balance is required. There is a minimum deposit of $10.

Betterment LLC clients may choose to participate in Betterment Everyday Savings ("Savings"), through which clients' funds are deposited into one or more banks ("Program Banks") where the funds earn a variable interest rate and are eligible for FDIC insurance. FDIC insurance is not available until deposits are received by the Program Banks. There are currently at least four Program Banks, which allows funds deposited into Savings to be eligible for up to of FDIC insurance (up to $250,000 at each program bank). Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of Savings, to ensure FDIC limits are not exceeded, which could result in some funds being uninsured. The FDIC calculates the limits based on all the accounts held at a bank, not just cash in Savings. If you elect to exclude one or more Program Banks the amount of FDIC insurance available to you through Savings may be lower. For more information on FDIC insurance please visit The deposits in Savings are not covered by SIPC. See Program Terms and Conditions for additional information.

Checking accounts and the Betterment Visa Debit Card (collectively "Betterment Everyday Checking" or "Checking") provided by and issued by nbkc bank, Overland Park, Kansas, Member FDIC. Funds deposited into Checking will be eligible for up to $250,000 of FDIC insurance. Betterment Everyday Checking made available through Betterment Financial LLC. Betterment Financial LLC does not charge foreign transaction fees for the use of the Betterment Visa Debit Card outside of the United States. However, Visa charges a foreign transaction fee of 1%. Betterment Financial LLC does not reimburse this 1% transaction fee on foreign ATM transactions or on any other foreign transactions or purchases.


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