Bank Accounts
Every account we track — consumer checking, high-yield savings, business banking, cash management and kids accounts — with the fees, APYs, plan tiers and fine print that decide where your money should live. Chasing a payout instead? See bank bonuses.
| Account | Type | APY | Monthly Fee | Plans | Rating | Best For |
|---|---|---|---|---|---|---|
| Wealthfront Cash Account | Cash Management | 3.30% base (as of June 2026); up to 4.20% with new-client boost and direct deposit bump | $0 | — | 9.5 | Anyone holding serious cash who wants top-tier rate, coverage, and instant access |
| Fidelity Cash Management Account | Cash Management | ~2.7% on the FDIC sweep; or hold SPAXX money market (~3.3% 7-day yield, June 2026) as your core position | $0 | — | 9.3 | Optimizers who want every idle dollar earning money-market yield |
| Brex Business Account | Cash Management | Treasury money market yields ~4.01% (up to 4.36% at $20M+); checking and Vault pay nothing | $0 (Essentials) | 3 tiers | 8.5 | Funded startups that want maximum yield with a card and spend platform attached |
| Ramp Business Account (Ramp Treasury) | Cash Management | Roughly 2.0-2.5% variable on checking (true FDIC interest); Investment Account yields ~4.38% (money market fund, $5k minimum) | $0 (included with Ramp's free tier) | 2 tiers | 8.0 | Ramp card customers who want their operating cash earning FDIC-insured interest |
| Betterment Cash Reserve | Cash Management | 3.25% variable (as of June 2026); promotional boosts up to 4.00% for 3 months | $0 | — | 8.0 | Betterment investors who want boosted yield and big FDIC coverage on idle cash |
| Shopify Shopify Balance | Cash Management | 2.28% rewards rate on balances (3.30% on Shopify Plus), accrued daily and paid monthly | $0 | — | 7.5 | Shopify merchants who want their payout float earning by default |