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Updated October 21, 2026 · VaultCue Editorial Team

Top cash management accounts compared in the United States

21 accounts available in the United States, ranked for the United States.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top cash management accounts compared in the United States
OrderAccountScoreFeaturesKey factsActions
1
Daloop logo
DaloopTop pickPartner
8.1/10
    Legal entity:
    Daloop.com
    Headquarters:
    United States
    Support channels:
    Email
    		ReviewCompareVisit
    2
    Novo logo
    NovoPartner

    Novo cashback on eligible purchases: 1% cashback with a Novo checking account balance under $5,000; 2% with a balance of $5,000 or more

    		9.2/10
    • No monthly fee
    • Free ATM
    Minimum deposit:
    $0
    Deposit protection:
    FDIC up to USD 250,000
    Access terms:
    On-demand access, no minimum balance requirement
    		ReviewCompareVisit
    3
    Empower Personal Dashboard logo
    Empower Personal DashboardPartner
    		9.0/10
    • No monthly fee
    Headline rate:
    3.5%
    Rate type:
    Variable
    Minimum deposit:
    $0
    		ReviewCompareVisit
    4
    Sendwave logo
    SendwavePartner

    Sendwave Wallet cash back or rewards

    		9.0/10
      Deposit protection:
      FSCS up to GBP 85,000
      Access terms:
      Senders in Belgium, Canada, Germany, Spain, France, UK, Ireland, Italy, Portugal, US; Sendwave Wallet senders from US and UK only
      Account kind:
      Cash management
      		ReviewCompareVisit
      5
      Meow logo
      MeowPartner

      Meow Cards 2.5% cashback on eligible AI spend

      		9.2/10
      • No monthly fee
      Headline rate:
      3.68% to 3.92%
      Rate type:
      Variable
      Minimum deposit:
      $100,000
      		ReviewCompareSee alternatives
      6
      Wealthfront logo
      WealthfrontPartner

      3-month APY boost for new Cash Account clients: +0.65% APY for 3 months on up to $150,000

      		9.1/10
      • No monthly fee
      • Free ATM
      • Joint account
      Headline rate:
      3.55% to 4.45%
      Rate type:
      Variable
      Minimum deposit:
      $0
      		ReviewCompareSee alternatives
      7
      Wise Account logo
      Wise AccountPartner
      		9.1/10
      • Expats
      • Travelers
      • No monthly fee
      • Low FX
      • Free ATM
      Headline rate:
      3.29%
      Rate type:
      Variable
      Deposit protection:
      FSCS up to GBP 85,000
      		ReviewCompareSee alternatives
      8
      Betterment logo
      BettermentPartner

      New customer offer: 0.75% APY boost on Cash Reserve (4.25% variable APY): 0.75% boost on balances up to $1M (3.50% base + boost = 4.25%)

      		9.0/10
      • No monthly fee
      Headline rate:
      3.5%
      Rate type:
      Variable
      Minimum deposit:
      $10
      		ReviewCompareSee alternatives
      9
      MaxMyInterest logo
      MaxMyInterestPartner
      		9.0/10
      • No monthly fee
      Headline rate:
      3.86%
      Rate type:
      Variable
      Minimum deposit:
      $0
      		ReviewCompareSee alternatives
      10
      Brex logo
      BrexPartner
      		8.9/10
      • No monthly fee
      Headline rate:
      $4.01 to $4.36
      Rate type:
      Variable
      Minimum deposit:
      $0
      		ReviewCompareSee alternatives

      Licensed in the United States

      Novo
      FDIC
      Empower Personal Dashboard
      Securities and Exchange Commission (registered investment adviser, Empower Advisory Group, LLC)
      Sendwave
      New York State Department of Financial Services
      Meow
      U.S. Securities and Exchange Commission (registered investment adviser)
      Wealthfront
      SEC (registered investment adviser, Wealthfront Advisers LLC)
      Wealthfront
      FINRA
      Wealthfront
      SIPC
      Betterment
      SEC (investment adviser)
      Betterment
      FINRA (broker-dealer, Betterment Securities)
      Betterment
      SIPC
      eToro
      SIPC
      M1 Finance
      FINRA
      M1 Finance
      SIPC
      M1 Finance
      SEC
      M1 Finance
      FDIC
      Paysend
      FinCEN

      Other rankings

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      Other countries

      Daloop

      Daloop

      Top pick for the United States

      8.1/10Visit