{"account":{"slug":"betterment-cash-reserve","bank":"Betterment","name":"Cash Reserve"},"status":"recent","lastVerified":"2026-11-02","officialSource":"https://www.betterment.com/cash-reserve","history":[{"date":"2026-10-23","apy":"3.50% variable base APY as of September 21, 2026; eligible new clients receive an additional 0.75 percentage point on up to $1 million through February 15, 2027 under the checked offer","monthlyFee":"$0","minimumOpen":"$10","atm":"No ATM access on Cash Reserve; Betterment Checking (separate, via nbkc bank) has a Visa debit card","note":"Scoped review corrected the new-client boost end date and eligibility, removed unsupported recurring-offer and automatic two-way-sweep claims, and qualified withdrawal timing and sweep coverage. October 5 full-record date preserved.","sourceUrl":"https://www.betterment.com/legal/offers/new-customer-75bps-boost-Q3-2026","sourceLabel":"Betterment offer terms and linked cash disclosures"},{"date":"2026-11-02","apy":"3.50% variable base APY as of September 21, 2026; eligible new clients receive an additional 0.75 percentage point on up to $1 million through February 15, 2027 under the checked offer","monthlyFee":"$0","minimumOpen":"$10","atm":"No ATM access on Cash Reserve; Betterment Checking (separate, via nbkc bank) has a Visa debit card","note":"Freshness-rotation reconfirmation: Betterment's help center still lists the Cash Reserve APY as 3.50%, dated 9/21/2026. No change.","sourceUrl":"https://www.betterment.com/help/cash-apy","sourceLabel":"Betterment Cash Reserve help page, checked November 2, 2026"}],"verificationEvents":[{"id":"f0fc79b5-8123-4821-8d06-05dbcc1cfe8b","entityType":"bank-account","slug":"betterment-cash-reserve","checkedAt":"2026-10-23T11:35:57.631Z","recordedAt":"2026-10-23T11:35:57.632Z","sourceUrl":"https://www.betterment.com/legal/offers/new-customer-75bps-boost-Q3-2026","sourceLabel":"Betterment offer terms and linked cash disclosures","outcome":"changed","summary":"Scoped review corrected the new-client boost end date and eligibility, removed unsupported recurring-offer and automatic two-way-sweep claims, and qualified withdrawal timing and sweep coverage. October 5 full-record date preserved.","changedFields":["apy","fdic","features","pros","cons","ourTake","bestFor","tagline"],"facts":{"apy":"3.50% variable base APY as of September 21, 2026; eligible new clients receive an additional 0.75 percentage point on up to $1 million through February 15, 2027 under the checked offer","fullRecordLastVerified":"2026-10-05","reviewScope":"Promotional terms, access, coverage and unsupported comparative claims; full-record date unchanged","sources":[{"label":"Wealthfront cash rate, new-client offer and savings categories","url":"https://www.wealthfront.com/cash"},{"label":"Wealthfront Individual, Joint and Trust account features","url":"https://support.wealthfront.com/hc/en-us/articles/360043196472-What-is-the-Wealthfront-Cash-Account"},{"label":"Wealthfront rate incentives and recurring-deposit requirements","url":"https://www.wealthfront.com/blog/cash-account-apy"},{"label":"Wealthfront instant-transfer eligibility, holds and receiving fees","url":"https://support.wealthfront.com/hc/en-us/articles/21187117774996-Which-banks-are-RTP-or-FedNow-enabled"},{"label":"Wealthfront FDIC eligibility and aggregation","url":"https://support.wealthfront.com/hc/en-us/articles/360044302071-FDIC-insurance-for-Cash-Accounts"},{"label":"Wealthfront program banks and opt-out effects","url":"https://www.wealthfront.com/programbanks"},{"label":"Wealthfront direct-deposit timing by partner bank","url":"https://support.wealthfront.com/hc/en-us/articles/360041356632-Set-up-direct-deposit"},{"label":"Betterment Cash Reserve rate, goals and new-client offer","url":"https://www.betterment.com/cash-reserve"},{"label":"Betterment binding new-client boost terms","url":"https://www.betterment.com/legal/offers/new-customer-75bps-boost-Q3-2026"},{"label":"Betterment Cash Reserve features and deposit minimum","url":"https://www.betterment.com/help/what-is-cash-reserve"},{"label":"Betterment withdrawal cutoff and recent-deposit holds","url":"https://www.betterment.com/help/cash-reserve-withdrawal-timing"},{"label":"Betterment Cash Sweep Program coverage and Checking exclusion","url":"https://www.betterment.com/cash-portfolio"},{"label":"Betterment separate Checking account and debit card","url":"https://www.betterment.com/checking"}]},"previousHash":"365e9ad2c99cef6841d78a71e51850c7b1f7b5b2e5595d153373e6ffebce8906","recordHash":"1c17f375c9763505143b77c74afd4d78b56d96ecb77dbe241799f3b575574b58"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}