Help your clients save more with 3.25% APY

APY is variable.

Support your clients during volatile times with a high-yield cash account. Cash Reserve lets you offer a competitive cash management solution on the same Betterment platform.  

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What makes Betterment’s Cash Reserve better?

  • cash-BAS

    $0 fees.

    Forget any monthly or maintenance costs—what they earn is what they keep. 
  • LockBAS

    $4 million insured.

    Rest easy eligible cash with FDIC insurance up to $4 million ($8 million for joint accounts) with our program banks, subject to certain conditions.That's 16X the standard.
  • ATMBAS

    Unlimited withdrawals.

    Compare this to other banks that limit how often clients can access their money. 
  • piggybank-BAS

    No minimum balance.

    Other institutions offer higher interest rates based on a larger balance—clients can grow their money with as little as $10.
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Optimizing cash today helps your clients save for tomorrow.

Your clients can benefit from multiple savings goals and use automated tools designed to help achieve them. 
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scheduledeposits

Keep their money safe as it grows.

Cash Reserve lets your clients' earn interest even during volatile times on. eligible cash. FDIC insurance covers your money up to $4 million ($8 million for joint accounts) at our program banks, subject to certain conditions. meaning they won’t have to sacrifice security for growth.

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Ready to boost your clients’ cash?

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Our program banks

Bank Hapoalim, B.M.1
Barclays Bank Delaware1
CIBC Bank USA1
Cross River Bank
Encore Bank 1
First Internet Bank of Indiana 1
First Merchant Bank1
First Western Trust Bank1
Forbright Bank 1
HSBC Bank USA, N.A.1
Lake Forest Bank & Trust Company, N.A.1
Morgan Stanley Bank, N.A.1
Morgan Stanley Private Bank, National Association1
NexBank1
Northbrook Bank and Trust Company, N.A.1
State Bank of the Lakes, N.A. 1
State Street Bank and Trust Company1
The Bancorp Bank2
Truist Bank1
Webster Bank, N.A.1
Wells Fargo Bank, N.A.1 2
Western Alliance Bank1
Wheaton Bank and Trust, N.A. 1
Apple Bank1
Northern Bank & Trust Company1

List last updated Oct. 24, 2025. FDIC insurance provided by Program Banks, subject to certain conditions. Up to $8M (jt.)/$4M (ind.) applies to eligible cash. Electing to exclude one or more Program Bank from receiving deposits may lower the amount of FDIC insurance available.