Wealthfront Cash Account
A brokerage cash sweep account that functions like a high-yield savings account with extended FDIC insurance.
APY
4.50%
Updated 1d agoEditor rating
4.7 / 5
Insurance
FDIC
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APY history
0 snapshotsNo rate history yet — checking daily.
Editor's Verdict
Wealthfront's Cash Account is technically a brokerage sweep product, not a bank account — but the practical experience is identical, and the FDIC pass-through coverage ceiling is the highest on this list. If you have over $250k in cash, Wealthfront is the cleanest way to keep it fully insured in one place.
By HYSA Compare Editorial Team · APY verified on 2026-04-06T00:00:00.000Z
Pros
- + Up to $8M FDIC insurance via partner-bank network
- + Unlimited transfers (not subject to old Reg D limits)
- + Instant transfers to Wealthfront investing accounts
- + Check writing and debit card included
Cons
- − Brokerage cash sweep, not a traditional bank account
- − APY can change without notice
What you'd earn at Wealthfront (Brokerage Cash)
Plug in your numbers. We'll show you how much interest you earn at today's rate.
Total contributed
$25,000
Interest earned
$4,210
Final balance
$29,210
Year-by-year breakdown
| Year | Contributed | Balance | Interest |
|---|---|---|---|
| 1 | $13,000 | $13,511 | $511 |
| 2 | $16,000 | $17,181 | $1,181 |
| 3 | $19,000 | $21,015 | $2,015 |
| 4 | $22,000 | $25,022 | $3,022 |
| 5 | $25,000 | $29,210 | $4,210 |
Assumes monthly compounding and a constant APY. Actual results vary as APYs change. Not financial advice.
Account details
- Institution type
- BROKERAGE CASH
- Minimum opening deposit
- $1
- Min. balance to earn APY
- $0
- Monthly fee
- $0.00
- Compounding
- monthly
- ATM access
- Yes
- Check writing
- Yes
- Mobile app
- Yes