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Help your clients save more with 3.50% 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. 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.

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

    $2 million insured.

    Rest easy with FDIC insurance up to $2 million ($4 million for joint accounts) with our program banks. That's 8X 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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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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scheduledeposits

Keep their money safe as it grows.

Cash Reserve lets your clients' earn interest even during volatile times. FDIC insurance covers your money up to $2 million ($4 million for joint accounts) at our program banks, meaning they won’t have to sacrifice security for growth.

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.
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Ready to boost your clients’ cash?

Client. Views may not be representative. See G2 reviews.
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Our Program Banks

Apple Bank1 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
Northern Bank & Trust Company1 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 Western Alliance Bank1
Wheaton Bank and Trust, N.A. 1
Program bank list last updated as of Oct. 24, 2025. Up to $250,000 of coverage for each insurable capacity—e.g., individual or joint—at up to eight Program Banks. Electing to exclude one or more Program Banks from receiving deposits may lower the amount of FDIC insurance available through Cash Reserve.
Cash Reserve is for cash you intend to purchase securities with and should not be viewed as a long-term investment option.