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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.

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.

A portrait of a woman smiling

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
Betterment's debit card in front of a smartphone displaying the app summary screen

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

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.

Save and spend with confidence.

Betterment Everyday is our cash management suite that helps you make the most of your everyday money.

Meet Betterment Everyday™
Betterment's debit card in front of a smartphone displaying the app summary screen

The Betterment Visa Debit Card will be issued by nbkc bank; Member FDIC. Debit cards will accompany checking accounts.

Betterment's debit card in front of a smartphone displaying the app summary screen
Two adults sitting on a couch

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?

A man and his dog playing on the couch

Getting into the details

Smarter is Better

Betterment is your smart money manager, built to help you make the most of it.

Betterment is your smart money manager, built to help you make the most of it.

Two adults sitting on a couch, showing off an engagement ring to someone calling in on a smartphone

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.

Save and spend with confidence.

Betterment Everyday is our cash management suite that helps you make the most of your everyday money.

Meet Betterment Everyday™
Betterment's debit card in front of a smartphone displaying the app summary screen

The Betterment Visa Debit Card will be issued by nbkc bank; Member FDIC. Debit cards will accompany checking accounts.

Betterment's debit card in front of a smartphone displaying the app summary screen
Two adults sitting on a couch

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.

A woman working on a laptop

Ready to make the most of your financial life?

A man and his dog playing on the couch

Getting into the details

Smarter is Better

Betterment is your smart money manager, built to help you make the most of it.

Betterment is your smart money manager, built to help you make the most of it.

Two adults sitting on a couch, showing off an engagement ring to someone calling in on a smartphone

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.

Getting into the details

*The annual percentage yield ("APY") on the deposit balances in Betterment Everyday Cash Reserve ("Cash Reserve") is and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the "Program Banks") and is current as of . 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 cited above is a promotional APY available only to customers who join the waiting list for Betterment Everyday Checking. The APY on deposit balances of customers who choose not to join the Betterment Everyday Checking waiting list is less than the promotional rate, and is as of , subject to change daily. Betterment Securities will receive fees in connection with deposit balances earning the non-promotional APY. See Current APY. The promotional APY is available through the end of the year and may be extended in Betterment's sole discretion. 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 Everyday Checking. Cash Reserve and Betterment Everyday Checking are separate offerings and are not linked accounts.

See Betterment's Form ADV Part II and Terms and Conditions for additional information on the deposit allocation methodology.

Betterment Everyday Cash Reserve ("Cash Reserve") is offered by Betterment LLC. Clients of Betterment LLC may participate in Cash Reserve through their brokerage account held at Betterment Securities. Neither Betterment LLC nor any of its affiliates is a bank. Through Cash Reserve, 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. 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.

Funds held in your brokerage accounts are not FDIC‐insured but are protected by SIPC. Funds in transit to or from Program Banks are generally not FDIC‐insured but are protected by SIPC, except when those funds are held in a sweep account following a deposit or prior to a withdrawal, at which time funds are eligible for FDIC insurance but are not protected by SIPC. See Betterment Client Agreements for further details. Funds deposited into Cash Reserve are eligible for up to of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 each at up to four Program Banks). Even if there are more than four Program Banks, clients will not necessarily have deposits allocated in a manner that will provide FDIC insurance above . The FDIC calculates the insurance limits based on all accounts held in the same insurable capacity at a bank, not just cash in Cash Reserve. 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. Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of Cash Reserve, to ensure FDIC insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit www.FDIC.gov. Deposits held in Program Banks are not protected by SIPC. For more information see the full terms and conditions and Betterment LLC's Form ADV Part II.

Checking accounts and the Betterment Visa Debit Card 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. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. 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.

*The annual percentage yield ("APY") on the deposit balances in Betterment Everyday Savings ("Savings") is and represents the weighted average of the APY on deposit balances at the banks participating in Savings (the "Program Banks") and is current as of . 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 cited above is a promotional APY available only to customers who join the waiting list for Betterment Everyday Checking. The APY on deposit balances of customers who choose not to join the Betterment Everyday Checking waiting list is less than the promotional rate, and is as of , subject to change daily. Betterment Securities will receive fees in connection with deposit balances earning the non-promotional APY. See Current APY. The promotional APY is available through the end of the year and may be extended in Betterment's sole discretion. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits.

See Betterment's Form ADV Part II and Terms and Conditions for additional information on the deposit allocation methodology.

Betterment Everyday Savings ("Savings") is offered by Betterment LLC. Clients of Betterment LLC may participate in Savings through their brokerage account held at Betterment Securities. Neither Betterment LLC nor any of its affiliates is a bank. Through Savings, 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. Savings provides Betterment clients with the opportunity to earn interest on cash intended to purchase securities with through Betterment LLC and Betterment Securities. Savings should not be viewed as a long-term investment option.

Funds held in brokerage accounts while in transit to Program Banks are not eligible for FDIC insurance. Funds deposited into Savings are eligible for up to of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 each at up to four Program Banks). Even if there are more than four Program Banks, clients will not necessarily have deposits allocated in a manner that will provide FDIC insurance above . The FDIC calculates the insurance limits based on all accounts held in the same insurable capacity at a bank, not just cash in Savings. If clients elect to exclude one or more Program Banks from receiving deposits the amount of FDIC insurance available through Savings may be lower. 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 insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit www.FDIC.gov. Deposits held in Program Banks are not protected by SIPC. For more information see the full terms and conditions and Betterment LLC’s Form ADV Part II.

Checking accounts and the Betterment Visa Debit Card 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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