how betterment works
Our mission is to provide the best possible solution to the question, “What should I do with my money?”
How to use our products across your financial life:
Checking
For no-fee‡ daily spending and our debit card with reimbursed ATM fees.
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Cash Reserve
For earning more on your savings and organizing the money you’ll use soon in a high-yield cash account.
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Investing
For the things you want beyond this year, like a new kitchen or a down payment.
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Retirement
For your golden years, when you’re ready to kick back and relax full-time.
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STEP ONE
Tell us what you want to do with your money.
Open a no-fee checking account? Save for your weekly groceries? Invest for a dream retirement with your partner or spouse? No matter what you have in mind, from practical spending to big investing dreams, we’re here to help you make it real.
STEP TWO
We’ll build your account.
Based on what you tell us, we’ll provide some recommendations and set up your ideal account. You can start with one product (like Checking), or go all in. Whatever you choose, it’s easy to add more and customize your account in the future.
STEP THREE
Our technology gets to work.
From Day 1, we strive to optimize every dollar you spend, save, and invest with us. Our technology manages your money and helps you earn more. As your money grows and your priorities change, we evolve with ongoing advice and updates to help you stay on track.
STEP FOUR
Save. Withdraw. Spend. Cheers!
We’re excited to see you achieve your goals, withdraw, and use your money! (Especially when you use Checking.) After all, you’re saving and investing for the things you need and the life you want. The best part: We get to do it again with your next goal.