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  Personal Capital Cash

Personal Capital Cash

in Savings Accounts from Personal Capital · fdic

Claimed

Personal Capital Cash

Claimed

in Savings Accounts from Personal Capital · Member FDIC

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Monthly Fee $0
APY (Annual Percentage Yield) 0.05%
APY Minimum Balance N/A

Personal Capital Cash Review

Personal Capital Cash is offered by Personal Capital, founded in 2009 and based in San Carlos, CA. Personal Capital Cash is available in 50 states (and Washington, DC).

Key Takeaways
  • Higher than average APY. Personal Capital Cash has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Small minimum initial deposit. You only need $1 to open an account.
  • Bill pay. Pay your bills to practically anyone in the United States through Personal Capital.
Personal Capital cash Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • No charge on incoming domestic or international wire transfers.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
Personal Capital cash FAQ

Are savings accounts from Personal Capital federally insured?

Yes, your Personal Capital savings accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). 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.

Does Personal Capital offer a signup bonus?

Personal Capital cash has a signup bonus of $0.

What is the minimum initial deposit for Personal Capital cash?

The minimum deposit to open a Personal Capital cash is $1.
Personal Capital Cash Minimums
Description
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Opening Deposit Starting at $1
Minimum Required Balance $0

What APY does Personal Capital offer?

Personal Capital cash offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).

The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually.

What fees does Personal Capital cash charge?

Personal Capital cash does not charge a monthly service fee. See the fee breakdown section below to view all fees.

What features and perks does Personal Capital cash offer?

This savings account includes the following features:

  • Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Personal Capital cash allows you to manage your money online or with a mobile app.

Can you set up a direct deposit to Personal Capital cash?

In most cases, the answer is yes. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

What is the customer support email for Personal Capital cash?

The customer support email for Personal Capital cash is privacy@personalcapital.com.

How do people rate the customer service and user experience of Personal Capital cash?

Overall, Personal Capital cash is strongly recommended based on community reviews that rate customer service and user experience.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

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Other Services by Personal Capital

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Opening Deposit Starting at $1
Minimum Required Balance $0
Monthly Fee $0
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Account Features
  • Free Bill Pay
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Mobile Banking
  • Member FDIC
APY (Annual Percentage Yield) 0.05%

Personal Capital Cash Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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