What is a Cash Reserve account?

Betterment’s Cash Reserve is a cash management account that can help grow your savings, but instead of earning interest that adds up to pennies, ours gives you dollars. There are no fees and it’s FDIC insured up to $2 million ($4 million for joint accounts) once your funds reach our program banks (subject to certain conditions). Betterment is not a bank.

Am I eligible for this reward?

If you’ve been eligible to contribute to your 401(k) plan for more than 30 days (as of January 9, 2026 or earlier), haven’t yet funded your account, and your employer is participating in this program, this incentive is for you. Beginning February 18, 2026, you can double-check your eligibility by visiting our Rewards Center. If you’re eligible, you’ll see the offer listed there.

How can I tell if I’ve logged in before?

If you’re not sure, head to betterment.com and try to log in; if you’ve never logged in before, you’ll get an error message. Head to betterment.com/accountaccess to get started.

How do paycheck contributions work?

Once you set a contribution rate, it will typically take 1-2 payroll cycles for the contributions to start coming out of your paycheck and into your 401(k).

Does my contribution need to be in my 401(k) by 4/15/26?

If your contribution comes out of your April 15 paycheck that is fine, as long as the contribution settles into your account by May 13, 2026.

I still have questions about this - who can I contact?

Our team can be reached at support@betterment.com.

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SPECIAL OFFER
Earn $100 when you start investing in your 401(k)

Take a step towards building a better financial future for yourself and we’ll give you a cool $100. Terms apply.

It’s as easy as 1-2-3

Activate your account. If you haven’t logged in before, this is your first step.
Set a contribution rate. You need to contribute at least $50 into the 401(k) to qualify for the reward.
Open a Cash Reserve account. This is where we’ll deposit your $100.

Just finish these steps before April 15, 2026. Then your $100 will be deposited by the end of May. Cha-ching!

Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Betterment is not a bank. Learn More.

FAQ

1. If you’ve been eligible to contribute to your 401(k) plan for more than 30 days (as of January 9, 2026 or earlier), haven’t yet funded your account, and your employer is participating in this program, this incentive is for you.
2. Beginning February 18, 2026, you can double-check your eligibility by visiting our Rewards Center. If you’re eligible, you’ll see the offer listed there.

SPECIAL OFFER Earn $100 when you start investing in your 401(k)

It’s as easy as 1-2-3

FAQ

SPECIAL OFFER
Earn $100 when you start investing in your 401(k)