Betterment Everyday™

Cash Reserve

Our high yield account is built to help you earn more on every dollar you save.

Earn up to 1.85% APY*

Our variable rate is one of the highest in the nation.

Eligible for FDIC up to $1 million

Your money is insured once it's deposited at our program banks.

Unlimited transfers in and out

Move your money as often as you need to because, well, it's your money.

Cash reserve terms and conditions

Cash reserve is provided by Betterment LLC, which is not a bank, and cash transfers to program banks are facilitated by Betterment Securities.