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MARCHPaycheck+$1,593.00Thursday, Mar 11 · Money inElectric bill$78.10Tuesday, Mar 9 · Money outStarbucks$12.30Tuesday, Mar 9 · Money outCashapp Janie Gu$15.00Tuesday, Mar 9 · Money outManageIndividual Cash0.10%current APYAvailable balanceinterest earnedCategoriesView2 categories · $1,000 account total

Not quite a bank.
Quite a bit better.

We’ve partnered with Green Dot and other banks to offer incredible banking services, like up to $1 million FDIC insurance, easy bill pay, and no account fees, through a FinanceCreation Brokerage account designed to build your wealth.
Nerdwallet logo
Best Cash Management App, 2020 1
450K+
Trusted clients
$26B+
In client funds
4.9
Star
Apple App Store 2
4.5
Star
Google Play Store 2

All the checking features you need, and then some.

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No account fees, no overdraft fees, no transfer fees
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Pay bills, plus send & deposit checks
Wallet
Direct deposit, debit card, and 19,000+ free ATMs
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Instant transfers to your investing portfolio
Person
Earn 0.1% APY on all your cash
FDIC
Up to $1 million FDIC insurance through partner banks

Manage your finances without lifting a finger.

We’ve made it shockingly simple to manage your money, whether you’re paying bills, saving for a big purchase, or planning on investing your extra cash.
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now
You just got paid 💰🎉
💳Keeping $500 for Everyday Cash
Moving $400 to Emergency Fund
🚀Moving the rest, $672 to Investments

Stay on top of your spending.

The FinanceCreation Cash Account makes it simple to pay rent and other bills, withdraw money, and keep saving toward your future.
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Watch your savings add up.

Create categories to save for things like a down payment or an emergency fund, and we’ll automatically route your money to hit your goals.
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Start investing faster.

We’ve made it easier than ever to put your extra cash to work by rolling leftover money into a connected FinanceCreation Investment Account.
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Save more, do less.
Kind of the perfect combo.

Take the hassle out of managing your money, and start building your long-term wealth today.
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Don’t save your questions. We’ve got answers.

Money is complicated enough, so we work hard to make everything about our Cash Account easier to understand. Here are some answers to frequently asked questions:

How hard is it to move money between FinanceCreation accounts?

So not hard at all! When the market is open, money can usually be transferred to your taxable Investment Account in minutes.Learn more

But what if I want to withdraw my money?

It’s your money, so you can withdraw it whenever you want. It usually takes only one business day to arrive in your bank account, though if it’s a recent deposit, it may take a few extra days to process.

How many fees are there?

None! Zilch! Nada! We never charge any fees for the Cash Account.

Unfortunately, I have these things called bills. Can you make them go away?

We can’t make them go all the way away, but it’s very easy to set up bill pay with the Cash Account. Paying bills is kind of like making them go away, right?

What if I want actual dollar bills in my actual hand?

We’ve got ATMs IRL. Just use our Debit Card to withdraw from more than 19,000 free ATMs at places like CVS, Target, Walgreens, and many many more.

Review FinanceCreation Brokerage LLC with FINRA’s BrokerCheck here.

  1. Nerdwallet receives cash compensation for referring potential clients to FinanceCreation Advisers, LLC (“FinanceCreation Advisers”) via advertisements placed on their website. Nerdwallet and FinanceCreation Advisers are not associated with one another and have no formal relationship outside of this arrangement. Nerdwallet’s opinions are their own. Their ratings are determined by their editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. Nerdwallet ranking as of June 2021. FinanceCreation provides in connection with obtaining this ranking.

  2. Apple App Store and Google Play Store ratings based on user ratings from February 2014 (Apple) and December 2015 (Google) through June 2021. Ratings compiled by Apple, Inc., and Google, Inc., who receive compensation for hosting our app.

Cash Account is offered by FinanceCreation Brokerage LLC (“FinanceCreation Brokerage”), a member of FINRA / SIPC. Neither FinanceCreation Brokerage nor any of its affiliates are a bank, and Cash Account is not a checking or savings account. We convey funds to institutions accepting and maintaining deposits. Investment management and advisory services are provided by FinanceCreation Advisers LLC (“FinanceCreation Advisers”), an SEC registered investment adviser, and financial planning tools are provided by FinanceCreation Software LLC (“FinanceCreation”).

We’ve partnered with Green Dot Bank, Member FDIC, to bring you checking features.

Checking features for the Cash Account are subject to identity verification by Green Dot Bank. Debit Card is optional and must be requested. FinanceCreation Cash Account Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank, Green Dot Bank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. FinanceCreation products and services are not provided by Green Dot Bank. Green Dot is a registered trademark of Green Dot Corporation. ©2021 Green Dot Corporation. All rights reserved.

Other fees apply to the checking features. Fee-free ATM access applies to in-network ATMs only. For out-of-network ATMs and bank tellers a $2.50 fee will apply, plus any additional fee that the owner or bank may charge. Please see the Deposit Account Agreement for details.

Other eligibility requirements for mobile check deposit and to send a check may apply.

The cash balance in the Cash Account is swept to one or more banks (the “program banks”) where it earns a variable rate of interest and is eligible for FDIC insurance. FDIC insurance is not provided until the funds arrive at the program banks. FDIC insurance coverage is limited to $250,000 per qualified customer account per banking institution. FinanceCreation uses more than one program bank to ensure FDIC coverage of up to $1 million 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 available FDIC insurance coverage in accordance with FDIC rules. The deposits at program banks are not covered by SIPC.

The Annual Percentage Yield (APY) for the Cash Account may change at any time, before or after the Cash Account is opened. The APY for the FinanceCreation Cash Account represents the weighted average of the APY on the aggregate deposit balances of all clients at the program banks. Deposit balances are not allocated equally among the participating program banks.

The information contained in this communication is provided for general informational purposes only, and should not be construed as investment or tax advice. Nothing in this communication should be construed as tax advice, a solicitation or offer, or recommendation, to buy or sell any security. Any links provided to other server sites are offered as a matter of convenience and are not intended to imply that FinanceCreation Advisers or its affiliates endorses, sponsors, promotes and/or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated otherwise.

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Please see our Full Disclosure for important details.

By using this website, you understand the information being presented is provided for informational purposes only and agree to our Terms of Use and Privacy Policy. FinanceCreation Advisers relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security. Additionally, FinanceCreation Advisers or its affiliates do not provide tax advice and investors are encouraged to consult with their personal tax advisors.

FinanceCreation, FinanceCreation Advisers and FinanceCreation Brokerage are wholly owned subsidiaries of FinanceCreation Corporation.

© 2021 FinanceCreation Corporation. All rights reserved.