Capitalwize Cash


Why open an account with us?

Earn More.

Get up to .40% APY with Capitalwize Cash Account, seamlessly integrated with your Capitalwize investments. Now your money can work even harder for you.

Every Fee Wiped Out.

Zero fees. You read that right. With Betterment Everyday Checking, get ATM fees reimbursed worldwide, with no account fees, overdraft fees, or minimum balances..

FDIC Insured.

Simple enough: Up to $1,000,000.00† on Savings and up to $250,000 on Checking, so you know your money is in good hands.

Banking, reimagined. 24/7 Access from anywhere.

Cash Reserve + Checking

Whether it’s our Everyday Checking Account or our high-yield savings account built to help you earn more on every dollar you save, Capitalwize Cash™ is here for you.


Earn up to .40% APY*

Our variable rate is one of the highest in the nation.


Eligible for FDIC insurance up to $1M*

Your money is insured after it’s deposited at our program banks.


Unlimited transfers in and out

Move your money as often as you need to.


ATM Fees reimbursed worldwide

No ATM fees, ever. 


No Minimum Balance

Get started with no barriers to entry. 


No Overdraft Fees

Because you should not be penalized for a simple oversight.

Getting a better savings account is not the only way you can work with us. Whether it’s your future retirement is you have a major purchase, or you want to save for your childs education, we got you.

Safety Net

“I want to build an emergency fund.”


Individual, Joint


“I’m planning for life after work.”


Traditional IRA, Roth IRA, SEP IRA, 401(k) and 403(b) Rollovers

Major Purchaes

“I’m saving for something like a wedding or a house.


Individual, Joint


“I’m saving for my child’s education.”


Individual, Joint

General Investing

“I just want to build my wealth over time.”


Individual, Joint

Everything Else

“I want to manage another account through Capitalwize.


Individual, Joint, Trust

Frequently Asked Questions

Pricing and Interest details?

Capitalwize Cash™ Cash Reserve has no fees on your account balance and no minimum balance. The minimum deposit is $10. Learn more about how we earn money.

Capitalwize Cash Checking has no monthly maintenance fees, no overdraft fees, no minimum balance, and ATM fees are reimbursed.

If you join the waitlist for Capitalwize Cash Checking, we’ll boost the variable rate on your Capitalwize Cash Reserve account to 1.83% APY*.

Don’t want to be added to the waitlist? No problem, you’ll still earn 1.53% on your cash.

Checking and Debit Card Access

We’ll let you know when our checking product and the Capitalwize Visa Debit Card become available. If you’re interested in joining the waitlist for Capitalwize Everyday Checking, when you sign up for your savings account, you will automaticaly be notified.

Are you ready to start having your money work smarter?