Betterment will boost your Cash Reserve APY by 0.25% for 92 days if you deposit at least $20,000 from an external account into a Betterment investing account within 45 days of enrolling. You must enroll in the offer within 7 days of receiving it and keep the deposited funds in place for the promotional period.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Betterment Cash Reserve bonus
- Enroll in the offer within 7 days of receiving it.
- Schedule and complete deposits totaling at least $20,000 from external accounts into a Betterment individual or joint investing account within 45 days of enrollment.
- Maintain the qualifying deposits in your accounts for the duration of the promotional rate.
- Receive a 0.25% APY boost on your Cash Reserve balance for 92 days.
The fine print that matters
- Deposits into Cash Reserve, Betterment Checking, employer-sponsored retirement accounts, and advisor-managed accounts do not count toward the $20,000.
- Transfers from other Betterment accounts like Checking or Cash Reserve are not eligible; deposits must come from an external account.
- You may only participate in this promotional APY offer once within any 92-day period.
- Not eligible if you are already receiving a management fee waiver ('free time') on any Betterment account.
- Offer is non-transferable, available to U.S. residents only, and can be revoked or modified by Betterment at any time.
Verification and reports
Confirmed against betterment.com on Jul 20, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: betterment.com offer page (checked Jul 20, 2026)