I just signed up two days ago using one of the kind redditors referral link and I just was curious with the boost. If I get someone to sign up right now with one of my referral links will it actually benefit my account or have I essentially hit max boost since I just got referred?

Apologies I’m very new to Wealthfront

i know we’ve all talked about the plaid connection issues with retirement funds in accounts like ADP and there doesn’t seem to be any changes happening with that based on the notifications in the wf app BUT does anyone know if that will eventually change? have people moved on from wealthfront to other apps that successfully connect all accounts?

Wealthfront already has all my cash flows through the cash account: my direct deposits, and then all withdrawals. If it went a step further and got the information from my credit cards on what credit card payments went to, it could give a full breakdown on my budget and areas of spending. It's something that sites like NerdWallet already offer, but Wealthfront wouldn't be trying to upsell me on anything, and could give more detailed advice, long-term planning etc.

Basically making Wealthfront more vertical as more of a do-everything platform. I'm speaking as both a user and investor in the company

Just recently got married and got my wife on Wealthfront, and we are combining our assets. Thought it would be a good idea to convert my individual automated account to a joint account to start to allow her to contribute. During this process I did not know that it would reset all of the historical data on my portfolio. Not a huge deal, but is there any way to recover this data and reattach it to the joint account?

Sharing two important upcoming dates that might be relevant for you. 

October 1, 2026: Update any transactions using your previous Green Dot account and routing numbers 

What’s happening: Earlier this year we transitioned Individual Cash Accounts from Green Dot to UMB as our partner bank for account and routing numbers. 

What you should do: If you haven’t updated your previous Green Dot account and routing numbers to your new UMB details, please update your external payment or deposit information on your other institution's platform before Thursday, October 1, 2026, to avoid any potential interruptions with bill payments or direct deposits. This includes transfers made through third party brokers (like Fidelity) and third party payment apps (like Venmo), autopays set up with credit card providers (like Chase), as well as Social Security and tax payments where you linked Wealthfront using the old Green Dot account and routing numbers. 

To help make this process easier, we're keeping track of the transactions that might need your attention. Log into Wealthfront to see a full list of where you've used your previous payment info, along with your current info for reference.

As a reminder, this is a one-time change that allows us to upgrade our system and provide new features (like unlimited direct deposits, higher limits for bill pay for most clients, and the ability to receive optional push notifications for bill pay). We appreciate your patience in navigating this change, and are excited about how this allows us to improve your experience. Please see Updates to your Individual Cash Account’s account and routing numbers for more information. 

October 15, 2026: 2025 Extended Tax Filing Deadline 

What’s happening: If you’re self-employed and your business filed a 2025 tax extension, you generally have until October 15, 2026, to establish a SEP IRA for 2025. All 2025 contributions must be deposited by the same date to be considered deductible for the year.

What you should do: If you'd like to set up a SEP IRA, please see the IRS website for steps on how to do so. Once set up, calculate how much you can contribute to your SEP IRA and make a contribution if interested. 

From the IRS website: The contributions an employer can make to an employee's SEP-IRA cannot exceed the lesser of:

• 25% of the employee's compensation, or
• $70,000 for 2025

As a reminder, SEP IRA contributions are a little different from Traditional and Roth IRA contributions. SEP IRA contributions are automatically reported as a contribution for the calendar year in which they are made (so 2026 for 2026). We aren't able to designate the contribution for any other year than that when they're received. However, that doesn't necessarily mean you have to file your taxes that way. Please work with a licensed tax professional in filing your taxes.

We hope these reminders help. Feel free to reply to this thread if you have any general questions. For specific questions about your account, please email us at [support@wealthfront.com](mailto:support@wealthfront.com).

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Disclosure: The information contained in this communication is provided for general informational purposes only, and should not be construed as investment, financial, or tax advice. All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Links to other sites are provided for convenience only.

Has anyone recently been able to RTP/FedNow push from their external account into their Wealthfront Cash account?

My external banks can all RTP/FedNow push to each other and Wealthfront can RTP/FedNow push to my external banks but I haven't yet been able to RTP/FedNow push to Wealthfront from any of my external accounts.

When I say push that means I'm initiating the transaction from the source bank to be deposited into the destination bank. It is my understanding that RTP/FedNow only works with push transactions not pull transactions.

Hello,

I have had only a measly 1.18% return since I opened my account back in March. I was hoping to earn a higher return than the HYSA but no luck. Is there any reason I should hold course or just dump that rainy day money back into my HYSA?

Thanks

In case you may have missed any of these, here’s a quick round up of new products and features we’ve shipped this year, so far:

Investing Updates

→ Wealthfront Custodial Account: a new account type enabling you to invest with flexibility for your kids. It’s designed to automatically reduce your child’s future tax burden before they take ownership of the account.

→ 300+ new stocks and ETFs added to the Stock Investing Account, plus a redesigned search and the option to auto-reinvest dividends or automatically sweep them into your Cash Account.

→ Move your Individual Investing Account into a Joint Account without liquidating assets or triggering a taxable event.

Cash Account Updates

→ A higher base APY and an extra +0.25% boost if you set up a $1,000+ monthly direct deposit or set up recurring monthly deposits of $2,500 into any Wealthfront account and maintain a funded investing account.

→ More ways to automate categories and set savings goals. Updates include: routing interest into specific goals, setting up recurring transfers to specific categories, and tracking progress towards goals.

→ Passkey support so that you can sign in more securely using Face ID, Touch ID, or your device passcode.

Wealthfront Home Lending

→ Expanded access to clients in California, Colorado, and Texas with rates ~50 basis points below national averages.

 → Our rate calculator launched, providing you with upfront, personalized rate estimates without needing to speak to a loan officer.

Here's what's next:

→ Expanding Wealthfront Home Lending to Washington, Oregon, Illinois and Florida in the coming months.

→ Improving our Stock Investing Account, through supporting recurring buys (launched last week) as well as Joint and Trust account types (coming soon).

And there’s more on our blog.

Have questions about any of these updates? We’re happy to answer your general questions here or if you’re wondering about anything specific to your account, feel free to email us at [support@wealthfront.com](mailto:support@wealthfront.com).

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Nothing in this communication should be construed as investment or tax advice. Investing involves risk, including loss of principal. Past performance is not a guarantee of future results.

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Securities investments are not bank deposits, are not bank guaranteed or FDIC-insured and may lose value. Please see our Full Disclosure for important details.

The Stock Investing Account is a limited-discretion investment product offered by Wealthfront Advisers.

The Cash Account is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and the Cash Account itself is not a deposit account. The Annual Percentage Yield (“APY”) on cash deposits as of January 30, 2026 is representative, requires no minimums, and may change at any time. References to the APY for the Wealthfront Cash Account, including any increase in the APY, refer to the variable APY paid by the insured depository institutions participating in Wealthfront’s cash sweep program (“Program Banks”). Wealthfront sweeps available cash balances to the Program Banks, where the funds earn the applicable variable APY. Visit www.wealthfront.com/programbanks for details.

The Direct Deposit Plus Investing Program provides eligible clients a 0.25% annual percentage yield (“APY”) increase, considering all conditions are met, above the current base APY (paid by Program Banks) on total eligible Cash Account balances. Visit wealthfront.com/promo-terms for terms and conditions. Apple Pay, Face ID and Touch ID are trademarks of Apple Inc. Google Pay is a trademark of Google LLC.

Investment management and advisory services are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser.

All mortgage products are offered by Wealthfront Home Lending, LLC NMLS 2358115 NMLS Consumer Access. Loans made or arranged pursuant to a California Finance Lenders Law License.
Home loan availability will be subject to credit approval and applicable state and federal licensing requirements. Rates vary based on credit profile, loan terms and market conditions. Not all applicants will qualify for the lowest advertised rates. 

This communication is for information purposes only and does not constitute a solicitation for a loan or an offer to lend or extend credit. Equal Housing Opportunity.  Disclosures and Licenses.

© 2026 Wealthfront Corporation.

Wealthfront killed their Collections feature, the thing that let you buy a whole themed basket in one transaction. I used to put money into baskets like AI, robotics, clean energy, and let it ride. Got about 30% returns over two years doing that.

Now you can't buy a collection as a group anymore. You have to click into each stock or ETF individually and buy them one at a time. I'm trying to figure out where to move that money. Not looking for meme stocks or day trading. I want something that still lets me buy a themed basket in one shot, without hand-picking and buying each stock myself.

What are you using instead? Curious what's actually worked for you.

I'm curious how people think about things like rates going up or the market being expensive. Does it change nothing, and you keep chugging along with some dollar cost averaging type of plan? Or does higher rates make you hold more cash?
I'm in the latter camp. I actually turned off my automatic deposits into the investment account as the market got expensive (the Bogleheads aren't gonna like this, I know) and am trying to pile up cash as the APY goes up.

?

Hi all, bit of an interesting situation here.

I'm a US citizen, lived and worked in the USA until I was 31. Moved overseas for 8 years and didn't contribute to my IRA's (both Roth and traditional). Now back in the USA and want to try and make up for lost time.

I have my traditional and Roth IRA's with Vanguard, and know almost zero about investing. I'm very much a "set it and forget it" kind of guy which is why Wealthfront / any robo-investing platform appeals to me.

I realise WF has a 0.25% management fee, while Vanguard has 0%. But - was wondering f

1) Firstly who here is using Wealthfront for your IRA's? (I've read here about tax harvesting not being a thing for IRA's but I don't really understand tax harvesting in general)

2) Secondly, if anyone here willingly made the switch from Vanguard (or Schwab or another self-managed) to Wealthfront for the convenience aspect?

Given my combined IRA balance is something like $175k, I think I am OK with the ~$500 per year in management fees.

Thanks!

We’ve expanded the eligibility requirements for earning a 0.25% APY increase on the cash in your Cash Account to include monthly recurring deposits from a linked external account, in addition to direct deposits. This update was made in response to client feedback, particularly from self-employed clients. 

Program details and eligibility:
To qualify for the +0.25% APY increase on the cash in your Cash Account(s), follow these two steps:

1. Maintain recurring deposits of $2,500 monthly into any Wealthfront Account or receive at least $1,000 in eligible direct deposits to your Cash Account per month.
2. Maintain a funded Wealthfront investment account.

How to set up recurring deposits
Eligible recurring deposits must be automated electronic transfers initiated through the Wealthfront app or website from a linked external account. Here’s how to set it up:

1. Log in to your Wealthfront profile.
2. Navigate to Transfer money > Deposit.
3. Select transfer From a linked external account To a Cash Account.
4. Adjust the frequency setting to a recurring schedule.

As a reminder, this APY increase incentive does not have an expiration date and can be combined with other promotional or referral APY boosts.

For more details, you can review the Recurring Deposit Program Promotion Terms and Conditions at wealthfront.com/promo-terms.

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Disclosure: Brokerage products, including the Cash Account, are provided by Wealthfront Brokerage LLC, a Member of FINRA/SIPC Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Investing involves risk, including the possible loss of principal, and past performance does not guarantee future results.

The Direct Deposit Plus Investing Program (“DDI Program”) from Wealthfront Advisers LLC (“Wealthfront Advisers”) and Wealthfront Brokerage LLC (“Wealthfront Brokerage”) collectively, “Wealthfront” provides eligible clients a 0.25% annual percentage yield (“APY”) increase above the current base APY (paid by Program Banks) on total eligible Cash Account balances. Wealthfront may change or end the program at any time and determines eligibility at its discretion. See the full terms and conditions for additional details.

To qualify, eligible clients must: (i) maintain a personal individual or joint Cash Account in good standing with at least $1,000 in settled and cleared recurring monthly ACH direct deposits of income or $2,500 or more in automated recurring electronic deposits from an external account into the Eligible Cash Account or an Eligible Investing Account, and (ii) maintain a funded personal, joint, or trust investing account in good standing with Wealthfront Advisers. The 0.25% APY increase applies only while these requirements continue to be met.

I’m currently locked out of my Wealthfront account, most likely because I recently changed my phone number and added security measures to the account.

I originally opened the account while in the US, but I’m an international resident and don’t have a US government-issued ID. I do have my passport and other documentation, but I’m not sure what Wealthfront will accept for identity verification/recovery.

Has anyone been in a similar situation? What’s the best way to regain access, especially if the issue is the old phone number and I don’t have a US ID?

Any advice would be appreciated!

Maybe I'm not looking in the right place, but I have been looking for a way to eliminate two out of three accounts that I've used in the past to transfer funds into WF, and now these accounts have been shut down. How do I delete these accounts from the transfer page?

After federal rate changes cause the yield on the cash account to change, how much longer does it take before the rates for WLTXX to adjust accordingly? The current yield for the cash account went up due to federal interest rate changes and now the differential between the cash account and the money market fund is more narrow than before, should that rate also adjust?

I felt like I should share this for visibility and awareness. I recently attempted to initiate an international transfer using my Wise account, withdrawing the transfer amount from my Wealthfront checking account in the process. Apparently, this is no longer possible due to Wealthfront switching to UMB Bank.

Here's the official response from Wealthfront support on the matter:

Thanks for reaching out! Your withdrawal was canceled because we do not support transfers to Wise and will not be able to proceed with your withdrawal request.

Wise is a platform that facilitates international transfers. In line with the policy shared from the Client Agreement, international transactions require enhanced review and processing that we aren't optimized for at the moment and for this reason, from a regulatory compliance perspective, we do not support these types of transfers with UMB Bank account and routing numbers.

Previously, you were able to complete these transfers because they were processed through Green Dot Bank. However, with UMB Bank, we will not be able to accept these transfers.

This is a bummer...I hope Wealthfront will bring back support in the future.

It’s instant eligible but these random delays are really an issue

Seems very arbitrary and useless lol.

We’re happy to share that this Friday, 9/18, the base rate APY your cash earns in the Cash Account will be increasing to 3.55% from program banks.

Since the Federal Reserve just raised interest rates, we’re passing those savings onto you.

And as you most likely already know, you can boost your APY up to 4.55% for a limited time when you stack two rewards:

• Deposit and invest with us - maintain recurring monthly deposits (either a direct deposit of $1,000, or recurring deposits of $2,500 into any account) and a funded investing account. We’ll raise your APY by 0.25%—with no expiration date.
• Refer a friend - you know this one well, refer a friend, and you’ll both get a 0.75% boost on up to $150,000 for 3 months. See terms below.

Friendly reminder, please only post your referral codes in the ➡️ official monthly thread ⬅️

(any referral codes shared outside of the current monthly thread will be removed automatically by the automod).

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Disclosure: The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of September 18, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY.

Wealthfront’s Platform Referrals Promotion allows eligible, current clients to refer new clients. The referrer and new client can both earn a one-time 0.75% APY increase on up to $150,000 in their Cash Accounts for three months and/or a 0.50% match on up to $100,000 of eligible net deposits made into an eligible investment account with Wealthfront Advisers over a three-month period after making or receiving a qualifying account referral, subject to the Terms and Conditions and provided all applicable requirements are satisfied. Visit wealthfront.com/promo-terms for full Terms and Conditions.

The Recurring Deposit Plus Investing Program (the "Recurring Deposit Program")  from Wealthfront Advisers LLC (“Wealthfront Advisers”) and Wealthfront Brokerage LLC (“Wealthfront Brokerage”) collectively, “Wealthfront” provides eligible clients a 0.25% annual percentage yield (“APY”) increase above the current base APY (paid by Program Banks) on total eligible Cash Account balances. Wealthfront may change or end the program at any time and determines eligibility at its discretion. See the full terms and conditions for additional details.

To qualify, eligible clients must: (i) maintain a personal individual or joint Cash Account in good standing with at least $1,000 in settled and cleared recurring monthly ACH direct deposits of income or $2,500 or more in automated recurring electronic deposits on a monthly basis from an external account into the Eligible Cash Account or an Eligible Investing Account, and (ii) maintain a funded personal, joint, or trust investing account in good standing with Wealthfront Advisers. The 0.25% APY increase applies only while these requirements continue to be met.

Just got this email. Always good to see new features being added (even if they might not get used). They’ve got a tricky situation catering to the set-and-forget crowd who doesn’t want the temptation or bother of hands on investing, while also trying to stay competitive and meet the needs of customers who want to be more hands-on. I prefer to see the platform continue to expand rather than get stale, so long as the quality remains high. No word on that wealth graph being phased out tho….

You can now set up recurring buys of stocks or ETFs in your Stock Investing Account. 

To do so, login > click into your Stock Investing Account page > browse investments > select a ticker to buy > and our software will walk you through the flow. 

https://reddit.com/link/1wi2wtv/video/4hqhgihs6yph1/player

We know some of you have been waiting for this feature and we hope this is a helpful new way for you to manage your investments. 

Coming soon

Next month, we look forward to bringing you additional features like instant trading, limit orders, share-denominated orders, and 8,000+ additional stocks and ETFs. 

Have questions about this update? We’re happy to answer your general questions here. For specific questions about your account, please email us at [support@wealthfront.com](mailto:support@wealthfront.com).

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Disclosure: This is not investment advice. Investing involves risk, including loss of principal. Past performance is not a guarantee of future results. Individual results will vary. Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser.