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EARN MORE ON YOUR CASH WITH A BOOSTED APY

New customer offer. Displayed APY is variable as of April 2, 2024 and subject to
change.

Welcome to Betterment where you can level up your savings with a Betterment cash
account. Open your first account and get an extra 0.50% APY for 3 months with a
qualifying deposit. If the base variable APY changes, you’ll still get the extra
boost on the updated rate.

Conditions apply. See offer terms.
You must click below to be enrolled in this promotion.

Claim your offer

Cash Reserve is only available to clients of Betterment LLC, which is not a
bank, and cash transfers to program banks are conducted through the clients’
brokerage accounts at Betterment Securities. For Cash Reserve (“CR”), Betterment
LLC only receives compensation from our program banks; Betterment LLC and
Betterment Securities do not charge fees on your CR balance.


WHAT MAKES BETTERMENT’S CASH RESERVE BETTER?


 * $2 MILLION INSURED.†
   
   Rest easy with FDIC insurance up to $2 million ($4 million for joint
   accounts) with our program banks. That's 8X the standard.


 * $0 FEES.
   
   Forget any monthly or maintenance costs—what you earn is what you keep.


 * EARN A HIGHER APY.
   
   Grow your savings with an APY over 10x the national average.**


 * NO MINIMUM BALANCE.
   
   Other institutions offer higher interest rates based on a larger balance—you
   can grow your money with us for as little as $10.

Claim your offer
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OPTIMIZE YOUR CASH TODAY.
START SAVING FOR TOMORROW.

Set money aside for what matters to you. Create multiple savings goals and use
our automated tools to help you achieve them. 
Claim your offer



KEEP YOUR MONEY SAFE AS IT GROWS.

Cash Reserve lets you earn interest even during volatile times. FDIC insurance
covers your money up to $2 million ($4 million for joint accounts) at our
program banks, meaning you won’t have to sacrifice security for growth.



OUR PROGRAM BANKS



The Bancorp Bank2 Barclays Bank Delaware1 Cross River Bank HSBC Bank USA, N.A.1
State Street Bank and Trust Company1 Wells Fargo Bank, N.A.1 Citibank, N.A.1
First Internet Bank of Indiana 1 Bell Bank (Fargo, North Dakota) 1 Webster Bank,
N.A.1 First Merchant Bank1 Truist Bank1 CIBC Bank USA1 NexBank1 Morgan Stanley
Bank, N.A.1 Morgan Stanley Private Bank, National Association1

--------------------------------------------------------------------------------

Cash Reserve Terms and Conditions
Program bank list last updated January 12, 2024. Up to $250,000 of coverage for
each insurable capacity—e.g., individual or joint—at up to eight Program Banks.
Electing to exclude one or more Program Banks from receiving deposits may lower
the amount of FDIC insurance available through Cash Reserve.
Cash Reserve is for cash you intend to purchase securities with and should not
be viewed as a long-term investment option.
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READY TO BOOST YOUR CASH?



Claim your offer





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For Cash Reserve (“CR”), Betterment LLC only receives compensation from our
program banks; Betterment LLC and Betterment Securities do not charge fees on
your CR balance.

1 Program Bank using both a Money Market Deposit Account and a Demand Deposit
Account.

2 Program Bank that also holds funds through the Transfer Sweep Program.

*
The annual percentage yield ("APY") on the deposit balances in Betterment Cash
Reserve ("Cash Reserve") is 5.00% and represents the weighted average of the APY
on deposit balances at the banks participating in Cash Reserve (the "Program
Banks") and is current as of April 2, 2024. This APY is variable and subject to
change daily. Deposit balances are not allocated equally among the participating
Program Banks. A minimum deposit of $10 is required, but there is no minimum
balance required to be maintained. The APY available to a customer may be lower
if that customer designates a bank or banks as ineligible to receive deposits.
APY applies only to Cash Reserve and does not apply to checking accounts held
through Betterment Checking. Cash Reserve and Betterment Checking are separate
offerings and are not linked accounts.

See Betterment's Form ADV Part II and Terms and Conditions for additional
information, including details on the deposit allocation methodology.
**
The national average savings account interest rate is reported by the FDIC (as
of March 18, 2024) as the average annual percentage yield (APY) for savings
accounts with deposits under $100,000.
†

Betterment Cash Reserve ("Cash Reserve") is offered by Betterment LLC. Clients
of Betterment LLC participate in Cash Reserve through their brokerage account
held at Betterment Securities. Neither Betterment LLC nor any of its affiliates
is a bank. Through Cash Reserve, 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. Cash Reserve provides Betterment clients with the
opportunity to earn interest on cash intended to purchase securities through
Betterment LLC and Betterment Securities. Cash Reserve should not be viewed as a
long-term investment option.

Funds held in your brokerage accounts are not FDIC-insured but are protected by
SIPC. Funds in transit to or from Program Banks are generally not FDIC-insured
but are protected by SIPC, except when those funds are held in a sweep account
following a deposit or prior to a withdrawal, at which time funds are eligible
for FDIC insurance but are not protected by SIPC. See Betterment Client
Agreements for further details. If you participate in Cash Reserve, you
authorize Betterment, on a discretionary basis, to direct Betterment Securities
as to the allocation of your funds among one or more Program Banks. Deposits at
each Program Bank are insured by the FDIC up to $250,000 for each insurable
capacity (e.g. individual or joint). In aggregate, funds deposited into Cash
Reserve are eligible for up to $2,000,000 (or $4,000,000 for joint accounts) of
FDIC insurance once the funds reach one or more Program Banks (up to $250,000
for each insurable capacity—e.g., individual or joint—at up to eight Program
Banks). Even if there are more than eight Program Banks, clients will not
necessarily have deposits allocated in a manner that will provide FDIC insurance
above $2,000,000 (or $4,000,000 for joint accounts). The FDIC calculates the
insurance limits based on all accounts held in the same insurable capacity at a
bank, not just cash in Cash Reserve. Although certain types of accounts, such as
trust accounts may be eligible for additional FDIC insurance based on the number
of beneficiaries, funds will be allocated to each Program Bank in such a way
that provides up to $250,000 of FDIC insurance for individual accounts, $500,000
of FDIC insurance for joint accounts, and $250,000 of FDIC insurance for trust
and other corporate account types, in each case per Program Bank. In the event
you maintain an individual or joint Cash Reserve account and are a beneficiary
of a Cash Reserve trust account, Betterment does not provide FDIC insurance
based on your status as a beneficiary. If clients elect to exclude one or more
Program Banks from receiving deposits the amount of FDIC insurance available
through Cash Reserve may be lower. Clients are responsible for monitoring their
total assets at each Program Bank, including existing deposits held at Program
Banks outside of Cash Reserve, to help ensure FDIC insurance limits are not
exceeded, which could result in some funds being uninsured. For more information
on FDIC insurance please visit www.FDIC.gov. Deposits held in Program Banks are
not protected by SIPC. For more information see the full terms and conditions
and Betterment LLC's Form ADV Part 2.

This experience and any marketing of the experience are provided by Betterment
LLC. To the extent that there is marketing related to Betterment Checking, it is
provided by Betterment Financial LLC.

The articles and client support materials available are educational only and not
investment or tax advice.

We want you to know a few things:  

Who Provides What Service?

Investment Advice: Advisory services for traditional investments (e.g., ETFs)
and digital assets are provided by Betterment LLC, an SEC-registered investment
adviser. Betterment LLC also offers the Betterment Cash Reserve product.
Betterment LLC does not require clients to maintain a minimum investment account
balance. However, accounts below a certain balance may have certain
restrictions. For more information, please see additional disclosure.

Traditional Investment 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.

Digital Asset Trading Services & Custody: Digital asset trading services and
custody are provided by Gemini Trust Company, LLC.  For further details
regarding the custody of assets, including cash, held at Gemini Trust Company,
please see your Gemini user agreement.

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. Neither Betterment LLC nor Betterment
Financial LLC, nor any of their affiliates, is a bank.

Let’s Talk About Risk:

Investing involves risk and there is the potential of losing money when you
invest in securities and digital assets. Past performance does not guarantee
future results and the likelihood of investment outcomes are hypothetical in
nature.

Investments in securities and digital assets are: Not FDIC Insured • Not Bank
Guaranteed • May Lose Value. 

Furthermore, investing in digital assets is highly speculative and volatile, and
only suitable for investors who are able to bear the risk of potential loss and
experience sharp drawdowns. Digital assets are not legal tender and are not
backed by the U.S. government. Digital assets are not subject to SIPC
protections.

Before investing, consider your investment objectives and Betterment LLC's fees
and expenses. 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. 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.

Who Provides the Market Data?

Market Data by Xignite. Fund data © 2022 Morningstar. All Rights Reserved. The
information contained herein: (1) is proprietary to Morningstar and/or its
content providers; (2) may not be copied or distributed; and  (3) is not
warranted to be accurate, complete or timely. Neither Morningstar nor its
content providers are responsible for any damages or losses arising from any use
of this information.

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