Deposit into Cash Reserve for a 0.75% APY Increase

Terms and Conditions

To fulfill this offer, you must click on the offer link in your email or within the Betterment app by June 9, 2026 and then complete deposits totaling at least $1,000 into an individual, joint, or trust Betterment Cash Reserve account within 14 days of clicking the link (a “qualifying deposit”), inclusive of the required settlement time (typically 2-3 business days). Qualifying deposits must originate from a bank account (including a Betterment Checking account) and cannot be sourced from a Betterment Investing account. 

If you make a qualifying deposit, your Cash Reserve rate will be increased by 0.75% on top of the current standard Cash Reserve rate (“promotional rate”) on up to $1,000,000 of your total balance in your Cash Reserve account for 92 days starting from the date of your qualifying deposit to your Cash Reserve accounts (the “promotional period”). The Cash Reserve Rate is currently 3.25% but is subject to change, including during the promotional period. For example, if the standard Cash Reserve Rate decreases during the promotional period, your promotional rate will also decrease. Please note that the Cash Reserve APY is variable and only applies to Cash Reserve accounts, not investments or other cash held through Betterment’s Cash Sweep Program. At the end of the promotional period, your interest rate will return to the standard Cash Reserve rate at that time. If you elect to exclude Cash Reserve deposits from one or more participating Program Banks, Betterment is unable to guarantee you will receive the promotional rate regardless of whether you have made a qualifying deposit.

The promotional rate will apply as follows:

• The promotional rate will apply to up to a total balance of $1,000,000 in each of your Cash Reserve accounts (i.e., individual, joint, and trust accounts). This means that if you have an individual, joint, and/or trust Cash Reserve account, you will receive the APY Boost on up to $1,000,000 in each Cash Reserve account until the end of the Promotional Period, including any accounts that you open during the Promotional Period. For example, if you have an individual and joint Cash Reserve account, you will receive the APY Boost on up to $1,000,000 in your individual Cash Reserve account and an APY Boost on up to $1,000,000 in your joint Cash Reserve account. 

• If you have more than one cash goal within a Cash Reserve account, the promotional rate will be applied proportionally across the balances of those goals, based on their relative balance during the promotional period, up to a combined total balance of $1,000,000. Cash goals do not have separate balance caps; rather the $1,000,000 limit applies across all cash goals held within the same account type (i.e. individual, joint, trust).
  • For example, if you have an individual Cash Reserve account with $1,000,000 in cash goal A and $1,000,000 in cash goal B, goal A would receive the promotional rate on $500,000 of its balance, and goal B would receive the promotional rate on $500,000 of its balance.
• If the balance in your applicable Cash Reserve account exceeds $1,000,000, the APY you receive on that Cash Reserve account will be reflected on your statements as a blended rate that combines the promotional rate on $1,000,000 of your balance and the current base rate on balances above $1,000,000.

This promotion may not overlap with any other Cash Reserve promotional rate offers, and it is non-transferable. Offer available to U.S. Residents only. Accounts advised through the Betterment for Advisors platform and balances held in 401(k) plans managed by Betterment at Work are excluded from this offer.

Betterment reserves the right to terminate this offer at any time, to limit account bonuses you are eligible to receive, and to refuse or recover any promotion award if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the Betterment Account Agreements have been violated. Betterment also reserves the right to offer the promotional rate in its discretion to customers who have not made a qualifying deposit.