Last Updated: 01/21/2026
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Highlights
Community Rating
Strongly recommended
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$0(Verified 01/21/2026)
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Number of Reviews
Betterment Checking Review
The Betterment Checking is offered through Betterment LLC, a financial services company founded in 2008 and based in New York, NY. It is made possible by a bank partnership with nbkc bank. Betterment checking is available in 50 states and Washington, DC.
Key Takeaways
- 0% APY. As with most checking accounts, Betterment Checking does not pay interest.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Betterment Checking does not charge fees on ATM transactions .
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
Betterment checking Pros & Cons
| Pros | Cons |
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Betterment checking FAQ
Are Betterment Checking deposits federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) through nbkc bank . The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Betterment checking offer?
Betterment checking is not an interest-bearing account.
What are the account minimums for Betterment checking?
Betterment checking does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Betterment checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bank Teller Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Betterment checking charge overdraft fees?
No, Betterment checking does not charge overdraft fees.What features and perks does Betterment checking offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees .
- Fraud monitoring - Betterment checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Mobile Banking Services - Betterment checking allows you to manage your money online or with a mobile app.
What is the customer support email for Betterment checking?
The customer support email for Betterment checking is support@betterment.com.
How do people rate the customer service and user experience of Betterment checking?
Overall, Betterment checking is strongly recommended based on community reviews that rate customer service and user experience.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Betterment checking
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Betterment Checking Community Reviews
Would you recommend Betterment Checking to your friends?
Anthony C.
Jan 24, 2021
May or may not recommend
I love Betterment because they do not charge out of network ATM fees and they have no monthly minimum balance I have to carry either. They are also one of the few banks where I can gain some interest APY on my checking funds. If you like no hassle checking, check out Betterment Checking!
RH
Rana H.
Jan 21, 2021
May or may not recommend
This is a great option for those who like to bank digitally, and love to travel. Also, its affordable services make it overall ideal for the young traveler! It comes with a very user-friendly app and reimburses all ATM and foreign transaction fees. I used this one when I first started traveling abroad a lot, it was super helpful (so long as I had WiFi access). The cashback ranges from ...Show More
MO
Micheal O.
Dec 23, 2020
May or may not recommend
Wonderful financial institution. Betterment Checking accounts is one of the best out there. I opened the account worrying about additional charges on withdrawals and certain amounts as a minimum balance. But they swept me off my feet when I saw that it is very affordable!
No maintenance fees nor extra charges on transfers and withdrawals. Even their customer service is top-notch! I love them for their efficiency.
YE
Yusuf E.
Dec 16, 2020
May or may not recommend
I have been using betterment checking account for a while and it has been a wonderful journey. There is no minimum balance requirement and I am allowed to do as many transactions as I want, there is no limitations at all, I can withdraw, deposit or transfer funds between checking and savings account without incurring unnecessary charges. My favourite service is the online and mobile access, I highly recommend betterment ...Show More
NM
Na'im M.
Dec 15, 2020
May or may not recommend
I've been a Betterment client since its inception. I have been relentlessly expanding my investment funds over that time. Throughout the years, I've discovered it to be a quick, helpful, and reasonable alternative for somebody fair getting into contributing. It is additionally incredible for somebody that has numerous years of involvement as you may be able to get it what's going on behind the scenes with its automation. There are ...Show More
Aubree F.
Nov 27, 2020
May or may not recommend
Betterment Checking has always been a responsive company to my questions and issues. My debit card was compromised not too long ago and they helped me out very efficiently. I was prompted with a new card and wasn’t held liable for any of the charges. It was easy and less painful than other companies.
KS
Keryn S.
Nov 25, 2020
May or may not recommend
Betterment checking account is such a great tool for everyone who travels a lot and is good with digital transactions. If you tend to make foreign transactions and are using ATMs on a regular basis, then this app has got your back. Betterment refunds all of the aforementioned fees. You can also gain cash back rewards from 2% to 20%, depending on the distributer. No minimum balance or deposit required ...Show More
AA
Aisha A.
Nov 12, 2020
May or may not recommend
I had great experience using betterment checking. The insurance process was made easy. They gave answers to all my questions and made it easy for me. The representative assigned to me was friendly and responsible. He got all necessary information required to setup the checking account. It got printed and I was able to get the check in few weeks. I strongly recommend Betterment Checking
Tiffani S.
Oct 31, 2020
May or may not recommend
Setting up an account with Betterment Checking couldn't have been any easier. I was able to get all of my questions answered and I felt confident when I was done. The best part is they have no fees so I can use an ATM without the worry of added charges.
SF
Scarlet F.
Oct 24, 2020
May or may not recommend
The entire process was simple, from entering the information we wanted to include to placing the order, getting proofs before printing, and receiving the cheques - all in less than one week!
CE
Chelsey E.
Oct 24, 2020
May or may not recommend
Betterment Checking Accounts is a fabulous monetary service. What I adore most about this product is the fact that there are zero fees. That's right! I did not have to pay a single penny whenever I was doing a transaction or withdrawal. Unlike other banks and money services where you always have to make out some form of extra payment in order to send/receive money, Betterment is hassle free.
SO
Samuel O.
Oct 24, 2020
May or may not recommend
My thoughts on Betterment Checking was how they got revenue to go on with their business considering their policies like zero fees on maintenance, no minimum balances, free debit cards and no charges on incoming domestic or international wire transfers. I love them and recommend all their services.
Esther O.
Oct 22, 2020
May or may not recommend
I like them. They are honest about their fees, but what I love the most about their service is their contactless Visa card - it makes me feel like James Bond.
When I first got introduced to Betterment Checking Checking Accounts, I was a bit skeptical, plus I did not really need another checking account; however, my roommate began using their services, and I loved the ease she enjoyed. When ...Show More
MO
Moses O.
Oct 16, 2020
May or may not recommend
I have been a customer of Betterment for years and I have been pleased with their incredible service, and excellent banking policies. Everyone I've ever dealt with has been exceptionally responsive & courteous. I feel like they go above and beyond to make my banking needs go smoothly. A million thanks.
Ridwan H.
Oct 9, 2020
May or may not recommend
Before I opened a checking account with Betterment, I always panicked over my balance due to the monthly fee charge if I didn't meet up the certain minimum balance. Since, I partner with Betterment, that is, having a checking account with them, my months ending days have been relaxing.
I recommend to you Betterment because they brings Betterment to you. Do you know that your Cellphone can be insured at no ...Show More
MS
Mariya S.
Sep 27, 2020
May or may not recommend
Good online financial institution. I only have a checking account with them which is absolutely free and is easy to manage through the app. So far happy with everything and did not have any problems getting help from customer service.
U
Anonymous
Aug 20, 2020
May or may not recommend
I absolutely enjoy using this platform! Betterment does not charge you for almost anything, which I honestly don’t see often. You can open up an account with an initial deposit amount, and you won’t get charged for a monthly maintenance fee. I don’t get charged for ATM withdrawals, both for in and outside network machines. Most importantly, I enjoy having no additional payments for wire transfers internationally.
Showing 17 of 17 reviews
