Updated March 03, 2026 13:14

Is it possible to earn a higher APY on my cash?

Clients who receive at least $1,000 in eligible direct deposits to their Cash Account per month, while also maintaining a funded investing account with Wealthfront, will receive a +0.25% APY (annual percentage yield) increase over the standard base rate.

How can I unlock the rate increase?

You will begin receiving the +0.25% APY increase following both the direct deposit and investment account requirements being met. To continue receiving the +0.25% APY increase, you’ll need to maintain a funded investment account and continue receiving at least $1,000 in direct deposits each month.

For information on setting up direct deposit, see this FAQ.

Is there a balance maximum for the rate increase ?

No, we do not limit the amount of funds this increase applies to.

How long does the rate increase last?

The +0.25% APY increase will last as long as you maintain a funded investing account and direct deposit at least $1,000 a month into your Cash Account/Cash Accounts. Keep in mind that the base APY for cash in the Cash Account, which is paid by program banks, may change at any time.

What counts as an eligible direct deposit?

Recurring ACH deposits to your routing and account numbers that originate from an employer and/or payroll/benefits provider are counted as eligible direct deposits.

What type of investing accounts make me eligible for the rate increase?

All individual, joint, and trust investing accounts (including IRAs) count towards the eligibility requirements for receiving the rate increase.

Can this be combined with APY Boosts?

Yes! Any current or future APY boosts from referrals and/or other promotions can be stacked on top of the +0.25% APY increase. For information on our referral programs, see this FAQ.

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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 base APY on cash deposits is representative, requires no minimums, and may change at any time. The APY 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 the variable base APY. Investment management and advisory services are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser. All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Securities investments are not bank deposits, are not bank guaranteed or FDIC-insured and may lose value. Please see our Full Disclosure for important details. The Direct Deposit Plus Investing Program (“DDI Program”) from Wealthfront Advisers and Wealthfront Brokerage (collectively, the “Company”) provides eligible clients a 0.25% annual percentage yield (“APY”) increase above the current base APY on total eligible Cash Account balances. Wealthfront Brokerage and Wealthfront Advisers reserve the right to modify or terminate the DDI Program at any time without notice and to determine eligibility at their sole discretion. See the full terms and conditions for additional details. To qualify, eligible clients must: (i) maintain a personal individual or joint Cash Account in good standing with at least $1,000 in settled and cleared recurring monthly ACH direct deposits of income, and (ii) maintain a funded personal, joint, or trust investing account in good standing with Wealthfront Advisers. The 0.25% APY increase applies only while these requirements continue to be met. DDI Program benefits may be combined with other promotional incentives or APY “boosts”; however, those promotions may include caps or limits on the amount of cash deposits eligible for the applicable promotional APY increase or “boosts”. Please review the Promotional Programs Offered By Wealthfront page for complete promotional terms and conditions. Wealthfront Advisers and Wealthfront Brokerage are wholly-owned subsidiaries of Wealthfront Corporation. © 2026 Wealthfront Corporation. All rights reserved.