(4,327 ratings)
General usability improvements and bug fixes.
Save more on your everyday cash. FDIC-insured up to $1 million†, no withdrawal penalties.

Betterment is a smart money manager built to help you reach your financial goals. Our mission: to help you make the most of your money so you can live better.

Invest with our wealth management tool. Save for your financial goals with personalized advice for one low fee of 0.25% annually.

Financial Goals: Get recommendations to help reach your investment goals.
Portfolio Management: We build and manage an investment portfolio of low-cost ETFs.
Financial Advice: Personalized guidance helps you make financial decisions.

Questions? Email us at [email protected]

*The Betterment Everyday Savings ("Savings") annual percentage yield ("APY") is as of 08-05-2019. Individuals who sign up for the Betterment Everyday Checking waitlist receive a 2.44% APY, which includes a promotional rate increase that extends at least for the duration of 2019 and until every individual on the waitlist has an opportunity to access Checking. Additional promotional rate increase offers will be made available upon the full launch of Checking. (T&C at APY is 2.19% as of 08-05-2019 without the promotional rate increase. APY is a variable rate that can fluctuate daily, based on the Federal Funds Rate and terms offered by banks participating in Savings. APY may change at any time without notice. No minimum balance. $10 minimum deposit.
†Betterment LLC clients may choose to participate in Savings, through which clients' funds are deposited into one or more banks ("Program Banks") where the funds earn a variable interest rate and are eligible for FDIC insurance. FDIC insurance is not available until deposits are received by the Program Banks. There are currently at least four Program Banks, which allows funds deposited into Savings to be eligible for up to $1,000,000 of FDIC insurance (up to $250,000 at each program bank). Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of Savings, to ensure FDIC limits are not exceeded, which could result in some funds being uninsured. The FDIC calculates the limits based on all the accounts held at a bank, not just cash in Savings. If you elect to exclude one or more Program Banks the amount of FDIC insurance available to you through Savings may be lower. For more information on FDIC insurance please visit The deposits in Savings are not covered by SIPC. Savings provides you with the opportunity to earn interest on cash you intend to purchase securities with through Betterment LLC and Betterment Securities. Savings should not be viewed as a long-term investment option. For more information, see the full terms and conditions at
Advisory services provided by Betterment LLC, an SEC-registered investment adviser. Checking accounts and the Betterment Visa Debit Card (collectively, “Betterment Everyday Checking”) provided by and issued by nbkc bank, Overland Park, Kansas, Member FDIC. Betterment Everyday Checking made available through Betterment Financial LLC. Neither Betterment LLC nor Betterment Financial LLC, nor any of their affiliates, is a bank. Brokerage services provided to clients of Betterment LLC by Betterment Securities, an SEC-registered broker-dealer and member of FINRA/SIPC.
Investments in securities: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money. Before investing, consider your investment objectives and Betterment's charges and expenses. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment is not registered. All images shown are for illustrative purposes only, and are not actual customer or model returns.
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August 9, 2019
Android 6.0+
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