Updated
Updates to your Individual Cash Account’s account and routing numbers
We recently shared that we’ll be updating the account and routing numbers for certain Individual Cash Accounts as we switch to a new provider, UMB Bank.
If you have an Individual Cash Account with account and routing numbers provided by Green Dot Bank, you should have received a couple emails from us with details on what this change means for you.
What’s changing and why?
To upgrade our system, we recently switched Individual Cash Accounts from Green Dot Bank-provided account and routing numbers to new ones, provided by UMB Bank.
Wealthfront partners with FDIC-insured banks to provide features like account and routing numbers. This one-time change in providers allows us to have better control over your experience, build new features, and provide in-house customer support for activity related to these account and routing numbers.
Right away, most clients will be eligible for higher daily transaction limits using these account and routing numbers, and we’ll be sharing more soon about other upgrades and new features.
This change only applies to Individual Cash Accounts that previously had account and routing numbers provided by Green Dot Bank. Newer Individual Cash Accounts, as well as Joint Cash Accounts, already have account and routing numbers provided by UMB Bank, which won’t be changing.
What action is required?
If your account and routing numbers were changed, you’ll need to update your payment or direct deposit information anywhere they’re currently in use. This means changing your payment information for any bill payments or direct deposits that are linked to your Cash Account.
To see an up-to-date list of where your account and routing numbers are currently being used, go to your Cash Account and select Account & routing.
Your previous account and routing numbers, provided by Green Dot Bank, will stop working on October 1, 2026. If you have any transactions that require your attention between now and then, you can expect to hear from us via email.
How long will my previous account & routing numbers continue to work?
Your previous account and routing numbers, provided by Green Dot Bank, will stop working on October 1, 2026. In the meantime, any bill payments and direct deposits should continue to process as usual.
You'll need to update your payment information before October 1 to avoid any potential payment or direct deposit failures. If we notice any transactions that are still using your Green Dot account and routing numbers in the coming months, you can expect to hear from us via email.
How do I know where my previous account & routing numbers are in use?
We’re keeping track of everywhere your previous payment information is being used. To see a list of payment sources that have processed transactions using your Green Dot Bank account and routing numbers, go to your Cash Account and select Account & routing.
Should I expect Wealthfront to change account & routing number providers regularly?
No. This is a one-time change that allows us to upgrade our system and provide new features. We appreciate your patience in navigating this change, and are excited about how it allows us to improve your experience.
What features are affected?
This change only applies to account & routing number transactions, like bill payments and direct deposits. It doesn’t affect debit cards, wire transfers, or bank transfers you make from the Wealthfront app or website.
Likewise, this doesn’t affect other account features, like instant withdrawals from Wealthfront to eligible external accounts, recurring transfers or investments within Wealthfront, or the up to $8M in FDIC insurance that’s offered through program banks. It also doesn’t affect the program banks where your funds are held as part of our Cash Sweep Program.
Does this change affect bank transfers?
Any transfers you make using the Wealthfront app or website aren’t affected by this change. This means instant transfers, transfers from your Cash Account to a Wealthfront investing account, and wire transfers sent from Wealthfront will continue to work as usual.
If you initiate Wealthfront transfers from a third-party brokerage, you’ll need to update the account information they have on file. To do this, manually input your updated account and routing numbers, or re-link Wealthfront using Plaid or another linking provider. Keep in mind that you might have to create an app-specific password to link your Wealthfront account.
Will my debit card still work?
Yes, this change doesn’t affect debit cards provided by Green Dot Bank.
Do these account & routing numbers support early direct deposit?
Yes, paychecks you receive using these account and routing numbers can arrive up to 2 days before your usual payday. The exact timing depends on when payroll is submitted by your employer.
If the date of your direct deposit falls on a weekend or bank holiday, it will typically arrive on the next business day.
Where can I view my previous account & routing numbers, provided by Green Dot Bank?
Your previous account number is listed at the top of your Cash Account’s monthly Green Dot Bank statement, which you can view from the Documents page of your Wealthfront account. Your Cash Account receives two separate monthly statements, so make sure to refer to the Green Dot Bank-specific statement.
The routing number used for Green Dot Bank is 096017418.
What do I need to know about UMB Bank?
UMB Bank is an FDIC-insured bank that we partner with to provide certain features for your Cash Account, like account and routing numbers. Because they’re a service provider through your Wealthfront Cash Account, you won’t have an account with UMB Bank directly. Likewise, you can contact our support team with any issues or questions you have about features provided by UMB Bank.
For details on how we’ll handle disputed transactions and customer support for these account and routing numbers, we encourage you to read our updated Cash Sweep Program Disclosure.
What types of transactions are processed using account & routing numbers?
If you use your Cash Account to pay bills, accept direct deposits, or fund payment apps like Venmo, then you’re likely processing account and routing number transactions.
These transactions require you to manually copy and paste your account and routing numbers from your Cash Account into a third-party merchant or payroll provider. They’re different from debit card purchases and the regular bank transfers that you make from the Wealthfront app or website.
Transfers that are initiated from a third-party bank or brokerage account may also use your account and routing numbers. To update your information, either manually re-enter your Wealthfront account and routing numbers, or re-link your Wealthfront account using a linking provider like Plaid. Keep in mind that when linking your Wealthfront account externally using a provider like Plaid, you’ll need to create an app-specific password.
I’m having trouble linking my Wealthfront account or using my UMB Bank-provided account & routing numbers as a payment method.
We’re aware that a small number of brokerages and utility providers are having trouble connecting to Wealthfront using UMB Bank-provided account and routing numbers. We’re actively investigating this issue, and working with those institutions in an effort to resolve it.
If you’re having trouble connecting to a brokerage account like Fidelity, or you’re not seeing Wealthfront as an option when linking your account, you can try:
- Using manual verification instead of logging into Wealthfront
Linking providers like Plaid and Yodlee might give you the option to manually input your account information rather than logging into your account. - Linking your Wealthfront account using desktop rather than mobile
Sometimes a brokerage will display different options on desktop versus the mobile app. Try repeating the process using a computer to see if that resolves the issue.
Keep in mind that when linking your Wealthfront account externally using a provider like Plaid, you’ll need to create an app-specific password.
My Cash Account has account & routing numbers provided by Green Dot Bank, and I haven’t received an email about any changes.
If you haven’t received any emails from us, and your account still has account and routing numbers provided by Green Dot Bank, please contact support so we can look into it.
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.
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. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. 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: [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 (or up to $16 million for joint accounts) 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 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.
Wealthfront Brokerage has established a relationship with UMB Bank, National Association (“UMB Bank”), Member FDIC, which may allow certain Wealthfront 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.
Wealthfront Brokerage partners with Green Dot Bank, Member FDIC, to offer certain checking features for the Wealthfront Cash Account, including the optional Wealthfront Visa® Debit Card which is issued by Green Dot Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. 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. Wealthfront Brokerage is not affiliated with Green Dot Bank.
Instant and same day withdrawals may be processed through the Real-Time Payments (RTP) network or the FedNow service, enabling same day withdrawals. Real-Time Payments (RTP) transfers and FedNow instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Wealthfront doesn’t charge for transfers, but some receiving institutions may impose an RTP or FedNow fee. Processing times may vary.
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.
Investment management and advisory services are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser, and brokerage related products are provided by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), a Member of FINRA/SIPC.
Wealthfront Advisers and Wealthfront Brokerage are wholly-owned subsidiaries of Wealthfront Corporation.
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