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Peter and Alex made it official with a Joint Cash Account. Now they save, spend, and earn high interest on all their cash together. 💕 ⚡Free 24/7 instant withdrawals 🤝 Up to $16M in FDIC insurance through program banks 🚫 No monthly account fees 🆓 19,000+ free ATMs (plus 2 reimbursed out-of-network fees per month) 📥 Direct deposit and pay bills Interest paid from program banks on base rate of 3.30% APY. Get a 0.65% boost for a limited time. In Caption Disclosures: Instant and same day withdrawals may be processed through the Real-Time Payments (RTP) network or the FedNow service, enabling same day withdrawals. Please note, Real-Time Payments (RTP) eligibility is limited by the destination institution’s RTP capabilities, daily transaction caps, and by participating entities such as Wells Fargo and the RTP® Network. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Wealthfront does not charge a fee for RTP transfers, but the receiving institution may. Processing times may vary. The Cash Account is offered by Wealthfront Brokerage LLC, member FINRA/SIPC, and is not a bank account. Funds in the Cash Account are swept to Program Banks where they earn a variable APY and are eligible for FDIC insurance. Conditions apply. For a list of Program Banks, visit wealthfront.com/programbanks. While funds are at Wealthfront Brokerage LLC or in transit, they are not FDIC-insured but are eligible for SIPC protection up to $250,000 for cash. FDIC insurance is limited to $250,000 per customer, per bank, regardless of whether those deposits are placed through Wealthfront Brokerage LLC. You are responsible for monitoring your total deposits at each Program Bank to stay within FDIC limits. Wealthfront works with multiple Program Banks to make available up to $8 million ($16 million for joint accounts) of FDIC insurance. For more info on FDIC insurance coverage, visit www.FDIC.gov. Fee-free ATM access is for in-network ATMs only. Out-of-network ATMs and bank tellers incur a $2.50 fee, plus any fee the owner or bank may charge. Fees and eligibility requirements may apply to certain checking features. See the Customer Debit Agreement at www.wealthfront.com/static/documents/client-agreements/green-dot-deposit-account-agreement.pdf for details. Copyright 2025 Green Dot Corporation. All rights reserved. Cash Account clients with an active Wealthfront Debit Card offered by Green Dot Bank are eligible for domestic out-of-network ATM fee reimbursement. Reimbursement covers fees on the first two withdrawals per card, per account, per month, including Green Dot’s $2.50 fee and up to $5.00 operator/owner fees (max $7.50 per transaction, $15 per month). Other fees are not reimbursed. No reimbursement is provided before September 16, 2024. The program may change or end without notice. See full terms at wealthfront.com/legal/out-of-network-terms. Wealthfront does not charge for wire fees to title and escrow companies and accounts you own at other institutions, but the receiving entity or institution may charge a fee. For more information about wires, visit www.wealthfront.com/legal/online-transfer-agreement. Wealthfront Brokerage has established a relationship with UMB Bank, National Association (“UMB Bank”), Member FDIC, which may allow Wealthfront Joint Cash Accounts to opt-in to a limited-purpose account number and UMB Bank routing and transit number which will enable certain withdrawals and deposits into Wealthfront Cash Accounts including bill pay, direct deposits, and payments through third-party sites through the Automated Clearing House network. Wealthfront Brokerage LLC is not affiliated with UMB Bank.