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Betterment

Save, invest, retire

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Betterment Debit Visa card floating on a grey background

HASSLE-FREE,
NO-FEE CHECKING

Betterment Checking is our mobile-first checking account and Visa debit card for your daily spending.

Get Checking

HASSLE-FREE,
NO-FEE CHECKING

Betterment Checking is our mobile-first checking account
and Visa debit card for your daily spending.

Get Checking

Checking accounts and the Betterment Visa® Debit Card provided and issued by nbkc bank, Member FDIC. Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank.

  • No fees. Period.

    ATM fees and foreign fees are automatically reimbursed, plus no overdraft fees.

  • Safe and secure.

    FDIC-insured up to $250k per depositor through nbkc bank, Member FDIC. Plus you can change your PIN or lock your card from the mobile app.

  • Pay your way.

    Use your tap-to-pay Visa debit card, mobile options like Apple Pay® and Google Pay™, or paper checks.

  • Cash back rewards.

    Earn cash back at thousands of your favorite brands, like Dunkin’, adidas, and Walmart.1

No ATM, overcharge, or low balance fees

Where’d the fees go?

You shouldn’t have to pay a bank to use your own money. That’s why we reimburse ATM fees and foreign transaction fees worldwide. We also cut out overdraft fees and minimum balances.

A vault

Keeping your money safe and secure.

Your Checking account is FDIC-insured up to $250,000 per depositor through nbkc bank, Member FDIC. What’s more, you can lock your card, change your PIN, and more all from the Betterment app. No need to call or go into a branch to maintain control.

3% Cash back on Michele's Dunkin' purchase, 5% Cash back on Seth's Adidas purchase, 2% Cash back on Allie's Walmart purchase

Rewards and benefits when you spend.

Get fast, automatic cash back rewards at thousands of your favorite brands, like Dunkin’, adidas, Walmart, Sam's Club, philosophy, Staples, and more. Plus, get cell phone insurance at no cost when you pay your cell phone bill with your Betterment Visa® Debit Card.2

Two smartphones side-by-side with shared Joint Checking accounts

Joint Checking accounts

You wanted Joint Checking accounts, and now they are here. Share all the benefits of no-fee‡, cash back banking with your partner while keeping it simple with one Visa debit card across all your accounts.

See what we’re working on next

Like what you see? Let’s get you started.

Open your no-fee Checking account