Updated October 21, 2026 · SumCue Editorial Team
Top cash management accounts compared in the United States
19 providers available in the United States, ranked for the United States.
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| Order | Provider | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  Empower Personal DashboardTop pickPartner | 9.3/10 |
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| ReviewCompareVisit |
| 2 |  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 |
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| ReviewCompareVisit |
| 3 |  SendwavePartner Sendwave Wallet cash back or rewards | 9.0/10 |
| ReviewCompareVisit | |
| 4 |  BettermentPartner Invest and earn up to $2,000 | 9.7/10 |
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| ReviewCompareSee alternatives |
| 5 |  WealthfrontPartner Cash Account APY Boost: up to 4.45% APY (3.55% base APY as of 09/18/2026) | 9.2/10 |
| ReviewCompareSee alternatives | |
| 6 |  FutureMoneyPartner | 9.1/10 |
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| ReviewCompareSee alternatives |
| 7 |  Betterment Cash ReservePartner 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 |
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| ReviewCompareSee alternatives |
| 8 |  M1 FinancePartner | 9.0/10 |
| ReviewCompareSee alternatives | |
| 9 |  MaxMyInterestPartner | 9.0/10 |
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| ReviewCompareSee alternatives |
| 10 |  Wealthfront Cash AccountPartner 3-month APY boost for new Cash Account clients: +0.65% APY for 3 months on up to $150,000 | 9.0/10 |
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| ReviewCompareSee alternatives |
Licensed in the United States
- Novo
- FDIC
- Sendwave
- New York State Department of Financial Services
- Betterment
- U.S. Securities and Exchange Commission (SEC) - registered investment adviser
- Betterment
- Financial Industry Regulatory Authority (FINRA) - Betterment Securities broker-dealer member
- Betterment
- SIPC
- Wealthfront
- SIPC
- FutureMoney
- U.S. Securities and Exchange Commission
- Betterment Cash Reserve
- SEC (investment adviser)
- Betterment Cash Reserve
- FINRA (broker-dealer, Betterment Securities)
- Betterment Cash Reserve
- SIPC
- M1 Finance
- SIPC
- Wealthfront Cash Account
- SEC (registered investment adviser, Wealthfront Advisers LLC)
- Wealthfront Cash Account
- FINRA
- Wealthfront Cash Account
- SIPC
- Meow
- U.S. Securities and Exchange Commission
- Paysend
- FinCEN
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