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Now available: New and improved Socially Responsible Investing portfolios. Learn more

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Betterment

Save, invest, retire

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Introducing Custom Model Portfolios. Learn more

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Our product roadmap

We're building the future of goal-based saving and spending. Be a part of what we're inventing.

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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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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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Checking

For no-fee daily spending and our debit card with reimbursed ATM fees.
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Now available in your account

Now available in your account

Joint Checking designed
to help you save

  • Earn cash back shopping at select stores1.

  • Pay your way with Apple Pay®, Google Pay™, or even paper checks

  • Near instant transfers between Checking and Cash Reserve

Explore our Checking features

Socially responsible investing reimagined

  • Socially responsible investing is now more clearly visible in our goal creation flow

  • We've added more specific options, including stronger social impact and climate impact.

Explore what's new

Personalize your goals with photos

  • Add a photo to each of your goals to ground what you’re saving for.

  • If you have a joint account, show your partner what you’re dreaming of.

Make your account sparkle

Up next:

While we have a lot in store, here are some highlights for what we're excited to be building over the next year. Follow us on Instagram, Facebook, and Twitter for sneak peeks, beta testing opportunities, and hints at what's coming.

Are you maximizing your experience?

We know it's not always easy to chart out your goals and start working toward them. Learn what Betterment's ultimate users look like and how they set up their accounts in our latest article.

Learn how

As seen in...

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The content and timing of the Betterment Product Roadmap is subject to change and not guaranteed. Information is provided at Betterment’s discretion, and this page may be updated accordingly as a courtesy and as a way of providing transparency on how we’re evolving the customer experience.

1 Eligible when using your Betterment Visa® Debit Card. Cash back merchants and offers may vary. You’ll see rewards, which are deposited back into your Checking account, in as little as one day after making the qualifying purchase, but it may take up to 90 days depending on the merchant. In order to find you relevant offers, we share your Betterment Visa Debit Card transaction information (and location, if you choose) with our rewards partner, Dosh. Shared data is anonymized and Dosh is prohibited from selling shared data to any third parties. See Terms and Conditions to learn more.

Apple Pay is a registered trademark of Apple, Inc.

Google Pay is a registered trademark of Google, Inc.

Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC. Funds deposited into Checking are FDIC-insured up to $250k for individual accounts and up to $250k per depositor for joint accounts. Betterment Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. Betterment Financial LLC reimburses ATM fees and the Visa® 1% foreign transaction fee worldwide, everywhere Visa is accepted. Checking accounts do not earn APY (annual percentage yield). Betterment Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.

Betterment Cash Reserve ("Cash Reserve") is offered by Betterment LLC. Clients of Betterment LLC participate in Cash Reserve through their brokerage account held at Betterment Securities. Neither Betterment LLC nor any of its affiliates is a bank. Through Cash Reserve, clients' funds are deposited into one or more banks ("Program Banks") where the funds earn a variable interest rate and are eligible for FDIC insurance. Cash Reserve provides Betterment clients with the opportunity to earn interest on cash intended to purchase securities through Betterment LLC and Betterment Securities. Cash Reserve should not be viewed as a long-term investment option. Funds held in your brokerage accounts are not FDIC‐insured but are protected by SIPC. Funds in transit to or from Program Banks are generally not FDIC‐insured but are protected by SIPC, except when those funds are held in a sweep account following a deposit or prior to a withdrawal, at which time funds are eligible for FDIC insurance but are not protected by SIPC. See Betterment Client Agreements for further details. Funds deposited into Cash Reserve are eligible for up to $1,000,000.00 (or $2,000,000.00 for joint accounts) of FDIC insurance once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity—e.g., individual or joint—at up to four Program Banks). Even if there are more than four Program Banks, clients will not necessarily have deposits allocated in a manner that will provide FDIC insurance above $1,000,000.00 (or $2,000,000.00 for joint accounts). The FDIC calculates the insurance limits based on all accounts held in the same insurable capacity at a bank, not just cash in Cash Reserve. If clients elect to exclude one or more Program Banks from receiving deposits the amount of FDIC insurance available through Cash Reserve may be lower. Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of Cash Reserve, to ensure FDIC insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit www.FDIC.gov. Deposits held in Program Banks are not protected by SIPC. For more information see the full terms and conditions and Betterment LLC's Form ADV Part II.