What is the Wealthfront Cash Account?

The Cash Account is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and the Cash Account itself is not a deposit account. The Annual Percentage Yield (“APY”) on cash deposits as of January 30, 2026, is representative, requires no minimums, and may change at any time. The APY for the Wealthfront Cash Account represents the weighted average of the APY on the aggregate deposit balances of all clients at insured depository institutions that participate in our cash sweep program (the "Program Banks"). Wealthfront sweeps available cash balances to Program Banks where they earn a variable rate of interest and, subject to the satisfaction of certain conditions, are eligible for FDIC insurance. A list of current Program Banks can be found here: [https://www.wealthfront.com/programbanks]. Deposit balances are not allocated equally among the participating program banks. FDIC pass-through insurance is not provided until the funds arrive at the Program Banks, and protects against the failure of Program Banks, not Wealthfront. While cash balances are at Wealthfront Brokerage, and while they are transitioning to and/or from Wealthfront Brokerage to the Program Banks, they are not eligible for FDIC pass-through insurance, but are eligible for SIPC protection, subject to the limit of $250,000 for cash. FDIC insurance coverage is limited to $250,000 for the total amount of all deposits a customer holds in the same ownership capacity per banking institution, regardless of whether those deposits are placed through Wealthfront Brokerage, so you are responsible for monitoring your total deposits at each Program Bank to avoid exceeding FDIC limits. Wealthfront Brokerage partners with more than one Program Bank to make available up to $8 million of FDIC pass-through coverage for your cash deposits. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The deposits at Program Banks are not covered by SIPC.

Wealthfront Brokerage has partnered with Green Dot Bank to offer certain checking features including The Wealthfront Visa® Debit Card, send a check, and mobile check deposits to Wealthfront Cash Accounts. The Wealthfront Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also offers Wealthfront Individual Cash Accounts opened prior to July 15, 2025, Green Dot account & routing numbers which support additional checking features including bill pay, direct deposits, and payments through third-party sites. The checking features provided by Green Dot Bank for Wealthfront Cash Accounts are subject to identity verification by Green Dot Bank and the Wealthfront Visa® Debit Card is optional and must be requested. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Wealthfront brokerage and advisory services are not affiliated with Green Dot Bank.

Fee-free ATM access applies to in-network ATMs only. For out-of-network ATMs and bank tellers a $2.50 fee will apply, plus any additional fee that the owner or bank may charge. Fees and Eligibility requirements may apply to certain checking features, please see the Deposit Account Agreement for details. Copyright 2025 Green Dot Corporation. All rights reserved.

Wealthfront Brokerage has established a relationship with UMB Bank, National Association (“UMB Bank”), Member FDIC, which may allow certain Wealthfront Individual Cash Accounts opened prior to July 15, 2025, all Wealthfront Individual Cash Accounts opened on or after July 15, 2025, and Wealthfront Joint Cash Accounts to opt-in to a limited-purpose account number and UMB Bank routing and transit number which will enable certain withdrawals and deposits into Wealthfront Cash Accounts including bill pay, direct deposits, and payments through third-party sites through the Automated Clearing House network. Wealthfront brokerage and advisory services are not affiliated with UMB Bank.

The information contained in this communication is provided for general informational purposes only, and should not be construed as investment or tax advice. Nothing in this communication should be construed as a solicitation or offer, or recommendation, to buy or sell any security. Any links provided to other server sites are offered as a matter of convenience and are not intended to imply that Wealthfront Advisers or its affiliates endorses, sponsors, promotes and/or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated otherwise.

Wealthfront Brokerage is a wholly-owned subsidiary of Wealthfront Corporation.

Copyright 2025 Wealthfront Corporation. All rights reserved.