Wealthfront Cash Account: 4.00% APY [Nationwide]

Take advantage of an attractive 4.00% APY with a new Wealthfront Cash Account when you sign up with your funds today!

Update 2/28/25: The rate has decreased to 4.00% APY from 4.25%.

Editor’s Note: Wealthfront increased FDIC coverage for individual accounts to up to $3 million and for joint accounts up to $6 million.

Wealthfront Cash Account

Here is your opportunity to earn a competitive rate. Open a new Wealthfront Cash account and get started today!

• Rate Offer: 4.00% APY Rate
• Availability: Nationwide
• Minimum: $1
• Maximum: None
• Credit Inquiry: Unknown
• Opening Deposit Requirement: $1+
• Monthly Service Fee: None Listed
• Early Termination Fees: None listed

Application Link

Wealthfront Cash Account: If you are eligible for this bonus offer, go online or visit your local branch to apply!

Account Rates

Wealthfront Cash Account Benefits

• FDIC insured up to $1 million.
• No market risks
• Unlimited free transfers
• No fees
• Fast and easy setup
• $1 minimum

Wealthfront Cash Account Up to $625 Bonus (Expired)

Earn 5.00% APY on your funds & up to $625 cash bonus. Direct Link to Offer

How to earn bonus:

• Open your first Cash Account.
• Once your new account is open, you’ll have 30 days to make deposits across any of your Wealthfront accounts towards a qualifying balance.
  • $60 bonus: $25,000+ deposits
  • $125 bonus: $50,000+ deposits
  • $250 bonus: $100,000+ deposits
  • $625 bonus: $250,000+ deposits
• You’ll receive your full payment amount over 3 months — as long as your balance stays with Wealthfront. Terms and conditions apply.

Fine Print (see terms):

Eligible New Clients who open a personal Cash Account from the Program landing page (i.e., after visiting the Program landing page and clicking on the “Get Started” button on that specific page) prior to the expiration of the Program are eligible to receive a cash bonus (the “Bonus”) in one of four predetermined amounts (“Bonus Tiers”). Your Bonus Tier will be calculated based on the difference of (A) the total aggregate amount of deposits you make into your Cash Account, plus any deposits you make into any other individual, personal Wealthfront Accounts (i.e., not jointly held or trust accounts) you may open after opening your Cash Account, within thirty (30) days following the day on which you open your Cash Account (the “Initial Deposit Period”), minus (B) the aggregate amount of any withdrawals you make from your Wealthfront Accounts during the Initial Deposit Period (such total, your “Qualifying Deposits”). Any changes in your balances due to market appreciation or depreciation, or interest, dividends or bonuses received, will not counted toward determining your Qualifying Deposits. Your Qualifying Deposits must equal at least $25,000 as of the end of the Initial Deposit Period in order to receive a Bonus. At the end of the Initial Deposit Period, if your Qualifying Deposits total at least $25,000 but less than $50,000, you will qualify for the $60 Bonus Tier; if your Qualifying Deposits total at least $50,000 but less than $100,000, you will qualify for the $125 Bonus Tier; if your Qualifying Deposits total at least $100,000 but less than $250,000, you will qualify for the $250 Bonus Tier; and if your Qualifying Deposits total $250,000 or more, you will qualify for the $625 Bonus Tier. You can only qualify for one Bonus Tier, and Bonuses are not cumulative (e.g., if you qualify for the $125 Bonus Tier, you will qualify for a $125 Bonus but will not also receive a $60 Bonus). Once your Bonus Tier has been determined as of the end of the Initial Deposit Period, you cannot change to a different tier. Deposits made after the Initial Deposit Period will not be counted toward your level of Qualifying Deposits for purposes of determining your Bonus Tier. Deposits must be completed or pending (i.e., scheduled and not canceled or reversed) prior to the end of the Initial Deposit Period to count toward your level of Qualifying Deposits for purposes of determining your Bonus Tier. Any deposits that are subsequently canceled or reversed will not be counted toward your Qualifying Deposits.

(FDIC Insured)

Author’s Verdict

This promotional is currently one of the highest rate on our list. However, this account technically acts like a brokerage account rather than a savings account. Because of this, you are able to fund the account up to $1M insured instead of the $250k FDIC limit.

In addition to the current rate from Wealthfront, you can also take advantage of a range of great promotions from banks such as HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.

If you happen to know whether this account incurs a hard/soft pull, please let us know. Let us know about your thoughts and experience with this account! Be sure to check back on BankDealGuy for more bank rates!