Updated
Categories
Categories are a way to organize and sort money for your short-term goals in your Cash account. Plus, these funds are always available to invest when you’re ready.
How many categories can I have?
You can create as many categories as you’d like and you can always adjust them whenever you want.
Is a category its own Wealthfront account?
No, all categories live in your Cash account. They don’t have their own checking features, like routing and account numbers.
Earning interest
You earn interest from program banks on the total balance in your Cash Account, including balances in your cash categories. On your main balance’s dashboard, you can see your pending interest grow throughout the month until it’s paid.
When interest is paid, it will be distributed across your main balance and categories depending on how much they earned over the month. In your category settings, you can choose whether a category keeps this interest, or automatically sends it to the main balance once received.
Transferring funds to categories
Transfers between categories and your Cash account are instant and unlimited, and there are a few ways you can do it:
- If you’re on a computer, sign in to Wealthfront.com and select Transfer money at the top of the home screen, then select Transfer.
- If you’re using the app, tap the Transfer money icon at the bottom left of your screen, then select Transfer.
- In the app or on a computer, go to your Cash account page and select Transfer money, then select Transfer.
Creating and deleting categories
To create a category:
1. Navigate to your Cash account page.
2. If you don't yet have a category, click Get started in the prompt at the top of the page.
3. If you already have a category, click on View > Create a category.
Once created, you’ll see it on your home dashboard and in a categories section on your Cash account page.
To delete a category:
- Open the category you want to delete.
- On the category page, select Settings in the top-right corner.
- Select Delete category and follow the prompts.
Keep in mind that when you delete a category you’ll lose all of your transfer history in that category and any remaining funds will automatically transfer back to your total balance.
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.
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 USA. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also offers certain Wealthfront Cash Accounts 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.
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