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.  

Let's talk
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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.  

Let's talk
3.25% APY-1

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 is FDIC-insured up to $8 million (joint) or $4 million (individual) at our program banks, subject to certain conditions. That's 16X what most firms offer.
  • 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.
Let's talk

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. 
Let's talk
scheduledeposits

Keep their money safe as it grows.

Cash Reserve lets your clients earn interest even during volatile times. Eligible cash is FDIC-insured up to $8 million (joint) or $4 million (individual) at our program banks, subject to certain conditions. That's 16X what most firms offer. Meaning they won’t have to sacrifice security for growth.

rainydayfund-1

Ready to boost your clients’ cash?

Let's talk

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.