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account the range of deposit products offered, fees, minimum balance requirements, availability of
competitive APYs, the extent of ATM networks, and key digital banking features. Best Cash Management
Account awards received January 10, 2023, December 12, 2023, and December 11, 2024. The formula used
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value proposition to the investor. Best Investing App 2024 was awarded on December 12, 2023.
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The national average interest rate for savings
accounts is 0.39% as posted on FDIC.gov, as of December 19, 2025.
The testimonials provided above are by clients of Wealthfront Advisers and Wealthfront Brokerage. No
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The Cash Account is offered by Wealthfront Brokerage LLC (”Wealthfront Brokerage”), Member of FINRA / SIPC . Neither Wealthfront Brokerage
nor any of its affiliates are a bank, and the Cash Account itself is not a deposit account. The Annual
Percentage Yield (”APY”) on cash deposits as of 12/19/25, is representative, requires no minimums, and may
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the aggregate deposit balances of all clients at insured depository institutions that participate in our
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where they earn a variable rate of interest and, subject to the satisfaction of certain conditions, are
eligible for FDIC insurance. A list of current Program Banks can be found here: [www.wealthfront.com/programbanks] . Deposit balances are not allocated equally
among the participating program banks. FDIC pass-through insurance is not provided until the funds arrive
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balances are at Wealthfront Brokerage, and while they are transitioning to and/or from Wealthfront
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for SIPC protection, subject to the limit of $250,000 for cash. FDIC insurance coverage is limited to
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institution, regardless of whether those deposits are placed through Wealthfront Brokerage, so you are
responsible for monitoring your total deposits at each Program Bank to avoid exceeding FDIC limits.
Wealthfront Brokerage partners with more than one Program Bank to make available up to $8 million (or up
to $16 million for joint accounts) of FDIC pass-through coverage for your cash deposits. For more
information on FDIC insurance coverage, please visit www.FDIC.gov . Customers are
responsible for monitoring their total assets at each of the Program Banks to determine the extent of
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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
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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 doesn’t charge for transfers, but
receiving institutions may impose an RTP fee. Processing times may vary.
Wealthfront’s APY Boost Promotion (the ”Promotion”) offered by Wealthfront Advisers and Wealthfront
Brokerage, allows Eligible New Clients of Wealthfront who open eligible Cash Accounts with Wealthfront
Brokerage to receive a one-time 0.65% APY increase over the then-applicable standard APY (a ”Promotional
Boost”) on up to a maximum aggregate balance of $150,000 in their respective Cash Accounts with
Wealthfront Brokerage (each a “Cash Account”) for three months, subject to terms and
conditions . The Promotion is time-limited, and eligibility is determined based on an individual’s
account activity between October 21, 2025 and a future date as to be determined in Wealthfront’s sole
discretion (the ”Promotion Period”). An ”Eligible New Client” for purposes of this Promotion is a
prospective first-time Wealthfront client (i.e., a person who has never opened or held any Wealthfront
account but is eligible to do so) Participants who receive a Promotional Boost through the Promotion will
also automatically qualify for three concurrent months of Wealthfront Advisers’ Fee Waiver Program subject
to terms and
conditions .
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tax consequences to any investor of any transaction.
Diversification and automated investing do not guarantee profit or ensure against loss. Investor
experiences can vary widely based on strategies and time horizons. Index funds and ETFs generally offer
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Wealthfront provides investment management services but may not achieve returns comparable to those of the
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