# Betterment Cash Reserve: 0.25% APY boost bonus

Canonical: https://dealaka.com/offers/betterment-cash-reserve-sign-up-bonus

- Status: Limited reports
- Bonus: 0.25% APY boost
- Requirement: Deposit $20k+ from external accounts into investing
- Expires: no published end date
- Availability: Nationwide
- Institution: Betterment
- Verified: Jul 20, 2026 against betterment.com
- Field reports: 0

## Summary
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.

## Requirements
1. Enroll in the offer within 7 days of receiving it.
2. 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.
3. Maintain the qualifying deposits in your accounts for the duration of the promotional rate.
4. Receive a 0.25% APY boost on your Cash Reserve balance for 92 days.

## 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.

## Sources
- betterment.com offer page <https://www.betterment.com/legal/offers/user-deposit-cash-rate-promotion> (checked Jul 20, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._