betterment.comBetterment: The Smart Money Manager | Save. Invest. Retire.

Earn Rewards: Sign up now and earn a special reward after your first deposit. See offer details <title>Dismiss</title> Betterment Save, invest, retire GET — On the App Store View What the CARES Act and market volatility mean for 401(k)s. See resources <title>Dismiss</title> Skip navigation <title>Betterment homepage</title> Spend Save Invest IRA and 401(k) FAQs Log in <title>Open menu</title> Get started <title>Betterment homepage</title> <title>Close Menu</title> Spend Save Invest IRA and 401(k) FAQs Log in Get started For Business | For Advisors A smarter home for your money Whether you're spending, saving, or investing, Betterment is built to help you make the most of your money—today, tomorrow, and beyond. Whether you're spending, saving, or investing, Betterment is built to help you make the most of your money. Financial Dreams? Make them real How? We help you set goals for your money and a plan to reach them. Spend, save, and invest for what matters most to you, all in one place. Get started Spend Save Invest IRA and 401(k) Financial institutions should work harder for you. For everyone. That's why we started Betterment a decade ago, and it's why we haven't stopped working for you ever since. Our mission since 2010: Help customers do what's right with their money so that they can live better. Ten years later, we're helping half a million people do just that. Our mission since 2010: Help customers do what's right with their money so that they can live better. Ten years later, we're helping half a million people do just that. Cheers to 10 years! Celebrate with us A smarter home for your money Whether you're spending, saving, or investing, Betterment is built to help you make the most of your money—today, tomorrow, and beyond. Whether you're spending, saving, or investing, Betterment is built to help you make the most of your money. Financial Dreams? Make them real How? We help you set goals for your money and a plan to reach them. Spend, save, and invest for what matters most to you, all in one place. Get started Investing involves risk. Individual experience may vary. Investing involves risk. Individual experience may vary. Spend Save Invest IRA and 401(k) Financial institutions should work harder for you. For everyone. That's why we started Betterment a decade ago, and it's why we haven't stopped working for you ever since. Our mission since 2010: Help customers do what's right with their money so that they can live better. Ten years later, we're helping half a million people do just that. Our mission since 2010: Help customers do what's right with their money so that they can live better. Ten years later, we're helping half a million people do just that. Cheers to 10 years! Celebrate with us Grow your savings with Cash Reserve. Our high-yield cash account earns * APY (variable)—more than 3X the national average. But that’s just the beginning of how it helps you do more with your money. FDIC-insured up to $1M with our program banks † . Move your money as often as you want. No fees on your account; Betterment LLC only receives compensation from our program banks. Get started with Cash Reserve Cash Reserve is available to clients of Betterment LLC, which is not a bank, and cash transfers to program banks are facilitated by Betterment Securities. No-fee ‡ Checking for daily spending. We reimburse all ATM fees and foreign transaction fees on your withdrawals and purchases, plus there are no overdraft or account fees. Betterment Visa Debit Card, with tap-to-pay technology. Easy, delightful mobile experience keeps you in control. Safe, secure, and FDIC-insured up to $250,000. Get Started with Checking Checking is provided by Betterment Financial LLC, in partnership with nbkc bank. Invest smarter for a comfortable tomorrow. Since 2010, we've worked to make investing more efficient and accessible using technology and Nobel Prize&dashbacked research. Built-in financial guidance Tax Smart technology Transparent 0.25% annual fee Investing with Betterment Build a secure future with a retirement plan. No matter your age or situation, we can help you build a plan for life after work. We'll help you determine how much to save and automatically invest your contributions. A retirement plan tailored to you You could earn an estimated 38% more over 30 years 0.25% annual fee and no minimum balance Retiring with Betterment You could earn an estimated 38% more over 30 years. You could earn an estimated 38% more over 30 years. Ready to make the most of your financial life? Get started Getting into the details Pricing with Betterment Betterment Checking has no monthly maintenance fees, no overdraft fees, no minimum balance, and ATM fees are reimbursed. Cash Reserve has no fees on your account balance. Learn more about how we earn money . Investing and Retirement have an annual fee of 0.25% per year on your balance—or about $25 per year for every $10,000 invested. None of our accounts require a minimum balance, ever. The minimum deposit is $10. Help with your account or finances Our customer support team is available five days a week to answer questions about your account. If you want in-depth financial advice, you can talk to a certified advisor by phone. Our Premium plan provides you with unlimited access and costs 0.40% per year on your invested balances. We also offer advice packages for needs of all kinds, starting at $199. Account security and privacy We take the security of our customers' accounts seriously. We employ strong browser encryption, secure data storage, and more. For details, read about our security practices . We respect and protect the privacy of your information and will never share your data with a third party without your permission. Learn more about our Privacy Policy . Satisfaction guaranteed We're committed to providing you with a great financial experience. If you're not completely satisfied, we'll do everything we can to make it right. Betterment Cash Reserve *The annual percentage yield ("APY") on the deposit balances in Betterment Cash Reserve ("Cash Reserve") is and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the "Program Banks") and is current as of . This APY is variable and subject to change daily. See Current APY . Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts. See Betterment's Form ADV Part II and Terms and Conditions for additional information, including details on the deposit allocation methodology. † Betterment Cash Reserve ("Cash Reserve") is offered by Betterment LLC. Clients of Betterment LLC may 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&dashinsured but are protected by SIPC. Funds in transit to or from Program Banks are generally not FDIC&dashinsured but are protected by SIPC, except when those funds are held in a sweep account following a deposit or prior to a withdrawal, ...