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Claire and Prakash put their down payment fund to work in the Cash Account, where it earned a high APY from program banks. By the time they bought their first house, they’d earned more interest to put toward renovations. Open a Cash Account to get your money growing, too: ⚡Free 24/7 instant withdrawals 👍 Free wire transfers 🤝Up to $8 million in FDIC insurance through program banks 🚫 No monthly account fees Interest paid from program banks on base rate of 3.30% APY. Get a 0.65% boost for a limited time. The 3.30% annual percentage yield (APY) on cash deposits is as of January 30, 2026, variable, and requires no minimum balance. Visit wealthfront.com/programbanks for more information. All product images are for illustrative purposes only. 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. 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. 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. 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.