Yes. A joint Cash Reserve account offers up to $4,000,000† in FDIC insurance once funds are deposited into our program banks. This is separate from any cash held in an individual Cash Reserve account, which offers up to $2,000,000† in FDIC insurance once deposited into our program banks. Learn more about special considerations. Betterment on Facebook Betterment on Twitter Betterment Email Share Betterment Clipboard Share Copied!