Offer value details
Betterment lists a 0.75 percentage point Cash Reserve APY boost for new clients who open and fund an eligible Cash Reserve account, with the promotional rate currently running through January 15, 2027.
Qualification requirements
Open an individual or joint Cash Reserve account as a new Betterment client and complete a qualifying deposit into Cash Reserve during the promotional period, including settlement time.
Fees and costs
Betterment Cash Reserve lists no monthly account fee, but users should review program-bank, cash sweep, and Betterment account terms.
Availability
The promotion is for new Betterment clients and applies to Cash Reserve, not investment balances or other cash held through Betterment's Cash Sweep Program.
What to verify
- The boost is temporary and the underlying standard APY can change.
- Cash Reserve is offered through Betterment program banks and is distinct from invested cash.
- Interest may be taxable.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.