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, a high-yield account. This is the piggy bank, reinvented.*

1.55% APY1
No fees
FDIC insured2
Unlimited monthly transactions4
No minimum balance
Earn 17x the national rate3
Read full disclosures

See what 17x more than the national rate looks like.

Use our calculator to estimate how much more you can save. Adjust the deposit amount and savings timeline to watch your money grow.

**Graph is for illustrative purposes only and shows hypothetical interest earned based on the deposit amount and time period chosen, assuming the Personal Capital Cash rate of 1.55% APY (Annual Percentage Yield as of 10/31/19) and the national rate of 0.09% APY (as of 12/23/19) do not change. Please note that rates do typically fluctuate over time. Personal Capital Cash APY is variable and subject to change. See below for full disclosures.

Get more
from your

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.

Earn 17x More

That’s not a typo. Earn 17x the national rate you’ll get for a typical savings account.


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 10/31/19)

*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 10/31/19 is 1.55% APY (1.539% interest rate). The calculation for APY is rounded to the nearest basis point. For Personal Capital advisory clients, the APY is 1.60% (1.588% 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 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 12/23/19 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.

Personal Capital