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 or our high-yield savings account built to help you earn more on every dollar you save, we are here for you.


Earn up to 0.40% 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.


No ATM Fees

No fees, ever.


No Overdraft Fees

Because you should not be penalized for a simple oversight.


No Minimum Balances

Get started, with no barries to entry. 

Getting a better checking and 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 child’s education, we got you covered.

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.


Checking and Debit Card Access

As soon as you create your account, you will be able to sign up for our checking account also. 

Are you ready to start having your money work smarter?