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New Customer Offer: Earn 5.50% (variable) APY* for 3 months when you open your first cash account with qualifying deposit.  Learn more

Save and earn more with 4.75% APY*

APY is variable.

Grow your savings with a high-yield cash account. Betterment’s Cash Reserve secures your money during volatile times while earning 11x the national average.**

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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?

  • Coin going in a slot.

    $0 fees.

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

    $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.
  • Hand holding a pile of cash.

    Unlimited withdrawals.

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

    No minimum balance.

    Other institutions offer higher interest rates based on a larger balance—you can grow your money with us for as little as $10.
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Optimize your cash today.
Start saving for tomorrow.

Set money aside for what matters to you. Create multiple savings goals and use our automated tools to help you 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 your money safe as it grows.

Cash Reserve lets you 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 you won’t have to sacrifice security for growth.
A vault next to a shield with a check mark on it.

Ready to boost your cash?

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