What is Cash Reserve?

Cash Reserve is our newest way to help you save. As part of our cash management suite, Cash Reserve is a cash account that is available now, and you can use it alone or alongside other investment goals you already have with Betterment.


  • Earn a variable rate of 5.00% APY*
  • FDIC insurance covering up to $2 million at our program banks†
  • Access your cash in 1-2 business days
  • No limits on withdrawals
  • No minimum balance
  • No fees on your balance

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.