{"account":{"slug":"wealthfront-cash-account","bank":"Wealthfront","name":"Cash Account"},"status":"recent","lastVerified":"2026-11-02","officialSource":"https://www.wealthfront.com/cash","history":[{"date":"2026-10-23","apy":"3.55% variable base APY as of October 1, 2026; eligible new-client offer adds 0.65 percentage point for three months on up to $150,000; separate 0.25-point recurring-deposit plus investing incentive has ongoing requirements","monthlyFee":"$0","minimumOpen":"$1","atm":"19,000+ no-fee ATMs with an optional requested debit card; eligible domestic out-of-network fees reimbursed twice monthly, up to $7.50 each","note":"Scoped review corrected new-client versus recurring-deposit incentive mechanics, removed the permanent-boost claim, qualified transfer holds and insurance, and distinguished Individual/Joint checking features from Trust accounts. October 5 full-record date preserved.","sourceUrl":"https://www.wealthfront.com/cash","sourceLabel":"Wealthfront cash disclosures and linked primary help"},{"date":"2026-11-02","apy":"3.55% variable base APY as of October 1, 2026; eligible new-client offer adds 0.65 percentage point for three months on up to $150,000; separate 0.25-point recurring-deposit plus investing incentive has ongoing requirements","monthlyFee":"$0","minimumOpen":"$1","atm":"19,000+ no-fee ATMs with an optional requested debit card; eligible domestic out-of-network fees reimbursed twice monthly, up to $7.50 each","note":"Freshness-rotation reconfirmation: Wealthfront's cash page and support article still show the 3.55% base APY effective October 1, 2026. No change.","sourceUrl":"https://www.wealthfront.com/cash","sourceLabel":"Wealthfront Cash Account page, checked November 2, 2026"}],"verificationEvents":[{"id":"53760fc5-273c-483a-a418-9fc5869e7621","entityType":"bank-account","slug":"wealthfront-cash-account","checkedAt":"2026-10-23T11:35:57.551Z","recordedAt":"2026-10-23T11:35:57.552Z","sourceUrl":"https://www.wealthfront.com/cash","sourceLabel":"Wealthfront cash disclosures and linked primary help","outcome":"changed","summary":"Scoped review corrected new-client versus recurring-deposit incentive mechanics, removed the permanent-boost claim, qualified transfer holds and insurance, and distinguished Individual/Joint checking features from Trust accounts. October 5 full-record date preserved.","changedFields":["apy","fdic","features","pros","cons","ourTake","bestFor","tagline","atm"],"facts":{"apy":"3.55% variable base APY as of October 1, 2026; eligible new-client offer adds 0.65 percentage point for three months on up to $150,000; separate 0.25-point recurring-deposit plus investing incentive has ongoing requirements","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":"2e39e212a4904332748308f22e2b18e94192b4bf13ff4b9a664ba148d30c6107","recordHash":"365e9ad2c99cef6841d78a71e51850c7b1f7b5b2e5595d153373e6ffebce8906"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}