Overview / Commentary
261 Hamilton Avenue
Palo Alto, CA 94301

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4.05% APY On Cash Account - 2/3/2023

Wealthfront increased its rate to 4.05% APY on the Cash Account. FDIC insurance up to 2M through partner institutions. Boost your APY to 4.55% Invite a friend to open a Cash Account. Once they do, you'll both get an increase of 0.50% on the current APY rate for 3 months. About this offer For every friend you invite who opens a Cash Account, you’ll both get a 0.50% increase to your current interest rate which will last for 3 months -- during which you’ll both also get $5,000 managed for free in an eligible Investment Account. There’s no limit to the number of referrals, but the maximum extended APY increase will be applied up to 12 months. The APY increase applies to a maximum of $250,000 across all of your Cash Account balances and categories. Your rate increase should be applied to the eligible cash balance within 24 hours.

Wealthfront Cash Account - Up To 4.30% With Referral - 12/28/2022

Wealthfront has increase its Savings rate to 3.80% and a 3 month promo that increases that to 4.30% when you refer someone, or you get a referral from someone and you sign up for an account.

Wealthfront Moving Up Some - 12/14/2022

On December 16, we’re raising the APY on your Cash Account from 3.30% to 3.80%. It’s kind of like a gift that keeps on giving (you money). When the Fed raises national interest rates, we raise your interest rate. And just like our last record high, 3.80% will be the highest rate we’ve ever given our clients. If you’re still keeping cash with some Scrooges who pay less interest, it might be time to make a deposit. Add funds today to start earning 3.80% APY ASAP. It’s that easy.

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Reviews (2)

Solid Account With High Interest Rate

Posted by: |

I've been very happy with Wealthfront as a place to stash our down payment fund - interest rates rise regularly with the market (currently 5.1% - with the bonus - in June 2023). Website is clean and easy to use, and the couple times I've emailed the company with a question I've received a reply the same day.

To get the bonus interest rate hike you can use my link if you like (I get the same bump!): https://www.wealthfront.com/c/affiliates/invited/AFFA-7FG7-YS07-HZCQ

Wealthfront Cash Account

Posted by: |

Wealthfront Cash Account reviewers seem to be unaware of restrictions WF imposes on "new accounts" when transferring funds between external banks. This is not surprising since WF doesn’t seem very forthcoming on these restrictions.

While WF Cash prominently advertises unlimited ACH withdrawals as one of its cash account features, when actually used, Wealthfront only permits ACH-Push withdrawals to the external account which originally funded the WF account. Withdrawals to other linked external accounts are "rewritten" by WF to direct withdrawals to the external account which funded the WF Cash account.

This essentially turns the WF Cash account into a no-penalty CD account rather than a useful financial management tool.

WF was vague as to how long these "new account" restrictions would remain in-effect for but cited timeframes in terms of "months".


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Rates for Wealthfront are currently being reviewed.


Wealthfront is an Internet only bank and does not have branch locations. Its headquarters is located at 261 Hamilton Avenue - Palo Alto, CA 94301

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