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It’s so simple. With the Betterment Visa® Debit Card, you can earn cash back when you shop at thousands of your favorite brands, all while avoiding fees and keeping your money safe and secure.

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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 by 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 by 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
Coming Soon

Joint Checking accounts

We’re hard at work making Checking better and more convenient for you. Soon you’ll be able to pair up with your partner or spouse to access and use your Checking account together.

See what we’re working on

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

Open your no-fee Checking account