Betterment | Automated investing & Financial planning (original) (raw)

National average savings account annual percentage yield (APY) (as of 12/10/2025) for savings accounts under $100,000, per FDIC.

Annual percentage yield (variable) is 3.25% as of 12/12/2025, plus a 0.75% boost (“APY Boost”) on balances up to 1Mfornewclientswithaqualifyingdeposit.1M for new clients with a qualifying deposit. 1Mfornewclientswithaqualifyingdeposit.10 min deposit for base APY. Terms apply; if the base APY changes, the Boosted APY will change.

Reported customer count of 1 Million+ as of 8/19/2025 , includes checking and investing clients.

Betterment's reported assets under management (AUM) of $70B+ is as of 5/10/2026.

Betterment does not provide tax advice. TLH is not suitable for all investors. Learn more.

Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC. Betterment Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. Betterment Financial LLC reimburses ATM fees and the Visa® 1% foreign transaction fee worldwide, everywhere Visa is accepted. Checking accounts do not earn APY (annual percentage yield). Betterment Checking is not a part of the Betterment Cash Sweep Program.

Any balances you hold with nbkc bank, including but not limited to those balances held in Betterment Checking accounts are added together and are insured up to 250,000perdepositorthroughnbkcbank,MemberFDIC.BettermentisnotFDIC−insured.FDICinsuranceonlycoversthefailureofaninsuredbank.Ifyouhavefundsjointlyowned,thesefundswouldbeseparatelyinsuredforupto250,000 per depositor through nbkc bank, Member FDIC. Betterment is not FDIC-insured. FDIC insurance only covers the failure of an insured bank. If you have funds jointly owned, these funds would be separately insured for up to 250,000perdepositorthroughnbkcbank,MemberFDIC.BettermentisnotFDIC−insured.FDICinsuranceonlycoversthefailureofaninsuredbank.Ifyouhavefundsjointlyowned,thesefundswouldbeseparatelyinsuredforupto250,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Betterment Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank- list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.

IMPORTANT BETTERMENT DISCLOSURES

Information is educational only and not investment or tax advice. External links are educational, and do not imply Betterment’s endorsement. All screenshots are for illustrative purposes only.

Who Provides What Service?

Investment Advice: Advisory services are provided by Betterment LLC, an SEC-registered investment adviser. Betterment LLC's internet-based advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client's financial situation and do not incorporate specific investments that clients hold elsewhere. Betterment is not a tax advisor.

Brokerage Services & Custody: Brokerage services are provided to clients of Betterment LLC by Betterment Securities, an SEC-registered broker-dealer and member of FINRA/SIPC, and Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC.

Betterment Checking: Betterment Checking is made available through Betterment Financial LLC. Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC. See Betterment Checking Disclosure .

Betterment at Work: 401(k) plan administration services provided by Betterment for Business LLC. Investment advice to plans and plan participants provided by Betterment LLC, an SEC registered investment adviser.

No Betterment entity is a bank.

Special Disclosure For Betterment Cash Reserve

Betterment Cash Reserve is part of the Cash Sweep Program (“CSP”) and is offered by Betterment LLC. CSP requires a Betterment Securities brokerage account. Client funds in the CSP are deposited into one or more FDIC-insured banks (“Program Banks”). Assets in the Cash Reserve Program under the CSP earn variable interest. CSP assets are eligible for FDIC insurance (subject to certain conditions). Funds in brokerage accounts are protected by SIPC, but funds at Program Banks are FDIC-insured up to 250Kperdepositorperbank,withapotentialaggregatelimitof250K per depositor per bank, with a potential aggregate limit of 250Kperdepositorperbank,withapotentialaggregatelimitof4M ($8M for joint accounts) once the funds reach one or more Program Banks. Funds in transit to or from Program Banks are generally not FDIC-insured but are covered by SIPC. FDIC insurance limits include all accounts held at a bank, not just CSP funds. For details, see Betterment’s CSP disclosure and Form ADV Part 2. FDIC insurance information is available at FDIC.gov.

Let’s Talk About Risk:

Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results and the likelihood of investment outcomes are hypothetical in nature.Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value. Before investing, consider your investment objectives and Betterment LLC's fees and expenses. For more details, see Betterment’s Form CRS, Form ADV Part II and other disclosures. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment LLC is not registered.

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