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We re-invented the piggy bank.

At some point, every investor needs access to their cash. Whether it’s an emergency fund, or a temporary place to put it, it helps to have a secure and easy place to keep your money. That’s why we created Personal Capital Cash. This is the piggy bank, reinvented.*

No fees
FDIC insured2
(Joint accounts may qualify for higher FDIC insurance limits.)
0.05% APY1
0.10% APY for Advisory Clients
Individual & Joint accounts available
No minimum balance
Unlimited monthly transactions4
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No Fees

Not now, not ever, not for anything. Why should you have to pay for withdrawing your money?

No Minimum Balance

Got a dollar? Drop it in. Literally, that’s all it takes to start earning with Personal Capital Cash.

FDIC Insured

Not only is your money insured by the FDIC, you also get 6x the coverage of what most banks offer — up to an aggregate of $1,500,000.

An easy way to co-manage cash

Simplify your household finances with a joint account. You’ll also get up to 3 million in aggregate FDIC insurance.

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Ready to

Signing up is easy

  • Click “Sign Up” to begin the simple online application process.

  • Enter your information to confirm your identity.

  • Once approved, you can transfer your funds from your existing bank.5

Disclosures (as of 3/23/20)

*Personal Capital Cash is offered through Personal Capital Services Corporation (Personal Capital). Personal Capital is not a bank. Bank deposit products provided by UMB Bank n.a., Member FDIC. To participate in the program, you must open an account at UMB Bank, through which your funds will be placed in accounts at participating program banks. The advertised interest rates are paid by participating program banks, not by UMB. Your funds will be FDIC insured up to applicable limits while in transit through UMB Bank. Personal Capital receives a fee from each Program Bank in connection with the Program that is based on the aggregate daily closing balance of deposits held in Program Accounts by such Program Bank. The fee may vary from Program Bank to Program Bank and will generally increase as the aggregate amount of funds held in Program Accounts with the Program Bank increases.

1 - The Personal Capital Cash™ Annual Percentage Yield (APY) as of 3/23/20 is 0.05% APY (0.0499% interest rate). The calculation for APY is rounded to the nearest basis point. For Personal Capital advisory clients, the APY is 0.10% (0.099% interest rate). Both the interest rate and APY are variable and subject to change at our discretion at any time without notice.

2 - FDIC insurance up to $250,000 (including principal & interest) per depositor per program bank. The cash balance you place through the program is swept to one or more program banks where it earns a variable rate of interest and is eligible for FDIC insurance. If the number of program banks changes, the aggregate amount of available FDIC insurance could be higher or lower. If you have deposits at a program bank, you should consider electing not to use that bank by following the opt out instructions we provide. If you do so, the aggregate amount of FDIC insurance available to you will be lower. If you do not do so, your existing deposits and deposits through Personal Capital Cash at that program bank will be combined for the purposes of FDIC coverage, which could result in some of your funds at that program bank being uninsured.

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. Funds you place through Personal Capital Cash are not covered by SIPC.

3 - The national rate is calculated by the FDIC as of 3/23/20 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier. Account types included in the FDIC calculation are those most commonly offered by the banks and branches for which they have data – no fewer than 45,000 locations and as many as 81,000 locations reported. The deposit rates of credit unions are not included in the calculation. Visit FDIC site for details.

4 - There are no limits on the number of deposits or withdrawals you can make under the Program. The maximum deposit limit per transaction is $250,000. The daily withdrawal limit is $25,000 unless (i) your account was opened prior to December 1, 2019, (ii) you are a Personal Capital advisory client, or (iii) your account was opened and funded more than 60 days before the withdrawal, in which case the daily withdrawal limit is $100,000. For security reasons, there may be other limits on the amount, number, frequency, or destination of deposits or withdrawals you can make to or from the Program. Transaction limits are subject to change at our discretion at any time.

5 - The information provided in your account application is being provided by you to UMB and Personal Capital simultaneously. Each of UMB and Personal Capital may use this information in accordance with its respective privacy policy. Upon acceptance of the application, an account will be opened with UMB Bank.

Disclosure statement and acknowledgment: The statement is provided to you by ("Author") who have entered into a referral agreement with Personal Capital Corporation ("PCC"), through which Author will be paid between $70 and $150 for each person who uses this webpage to register with Personal Capital and links at least $100,000 in investable assets to Personal Capital's Free Financial Dashboard. Author is not affiliated with PCC and Author's services consist solely of referrals of prospective clients. As a result of this arrangement Author may financially benefit from referring potential clients to Personal Capital. No fees or other amounts will be charged to investors by Author or Personal Capital as a result of the Referral Arrangement. Investors that are referred to PCC and subsequently subscribe for investment advisory services provided by PCC’s affiliated adviser, Personal Capital Advisors Corporation (“PCAC”) will not pay increased management fees or other similar compensation to Author, PCC or PCAC as a result of this arrangement. Additional information about PCAC is contained in Form ADV Part 2A available here.

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