Frequently Asked Questions
We aim to give everyone access to the financial system, regardless of their background or bank account balance. Here's what people ask us most.
Click "Get Started" anywhere on the site, enter your basic details, and verify your identity. Most accounts are ready to fund within minutes.
Yes. Your investments are held with regulated custodians, your cash balances are eligible for deposit insurance through our partner banks, and every account is protected with bank-level encryption.
Opening and maintaining an account is free. Specific products — like automated portfolios or premium research — disclose their fees clearly before you opt in, with no hidden charges.
Yes, the platform is fully responsive and works in any modern mobile browser, with native apps available for iOS and Android.
Your uninvested cash automatically earns a competitive, published rate — visit the Cash page for today's rate and details.
No. We've never charged an account fee for cash, and we never will.
Cash is held across multiple partner banks, each separately eligible for FDIC insurance, giving you a multiple of the standard single-bank coverage limit.
Most withdrawals arrive within one business day. Eligible accounts can also use free same-day transfers when requested before the daily cutoff.
Stocks, ETFs, automated diversified portfolios, cryptocurrency, and US Treasury bond ladders — all from a single account.
No commissions on stock or ETF trades. Automated portfolios carry a low, clearly disclosed annual advisory fee.
Yes — there's no account minimum, and fractional shares let you start investing with whatever amount makes sense for you.
You answer a few questions about your goals and risk tolerance, and we build and maintain a diversified portfolio of low-cost funds on your behalf, including automatic rebalancing.
Yes — traditional and Roth IRAs are available, both fully automated to make consistent retirement saving simple.
It depends on your timeline and goals, but starting early and contributing consistently matters more than any single target number. Our retirement tools can help you map out a plan.
Yes, you can schedule recurring transfers into any investment or savings goal on a schedule that fits your paycheck.
Your IRA stays with you regardless of your employer — it isn't tied to any particular job, unlike a 401(k).
Go to your account settings from the dashboard menu to update your name, address, phone number, and other personal details at any time.
Security settings, including password changes and two-factor authentication, are available under Account Settings in your dashboard.
Yes, you can securely link external bank accounts for transfers in and out under the Funding section of your account settings.
Contact support through your dashboard and our team will guide you through the account closure process, including any final transfers.