Help your clients save more with 5.00% 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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Cash Reserve is only available to clients of Betterment LLC, which is not a bank, and cash transfers to program banks are conducted through the clients’ brokerage accounts at Betterment Securities.

What makes Betterment’s Cash Reserve better?

  • Coin going in a slot.

    $0 fees.

    Forget any monthly or maintenance costs—what they earn is what they keep. 
  • Shield with a check mark.

    $2 million insured.

    FDIC insurance covers up to $2 million ($4 million for joint accounts) with our program banks.
  • Hand holding a pile of cash.

    Unlimited withdrawals.

    Compare this to other banks that limit how often clients can access their money. 
  • A small flowering plant surrounded by butterflies

    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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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.

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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Two goals with recurring deposit turned on. One for a new sofa, and another for a rainy-day fund.

Keep their money safe as it grows.

Cash Reserve lets your clients earn interest even during volatile times. FDIC insurance covers their money up to $2 million ($4 million for joint accounts) at our program banks†, meaning they won’t have to sacrifice security for growth.
A vault next to a shield with a check mark on it.

Ready to boost your clients’ cash?

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