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Betterment helps you manage your money through cash management, guided investing, and retirement planning. We are a fiduciary, which means we act in your best interest. We’ll ask a bit about you when you sign up. We’ll also gather information when you connect your outside accounts. Then, we’ll help you set financial goals and set you up with investment portfolios for each goal. For your long-term financial needs (like retirement, next year’s vacation, or a down payment), our investment strategy is built on low-cost ETFs (exchange-traded funds) and a risk profile based on how long you plan to invest. For your daily saving and spending, you can use our cash management products that include Checking (which is offered by nbkc bank, Member FDIC) and Cash Reserve, a cash account. Transaction timelines Betterment Account Transfer Times All timelines listed are in business days1 Note: These transactions may ... Transaction timelines Betterment Account Transfer Times All timelines listed are in business days1 Note: These transactions may take longer if you have recently deposited funds into your account. TABLE OF CONTENTS Transfers from an Individual Stocks and Bonds Investing account Transfers from a Joint Stocks and Bonds Investing account Transfers from an Individual Cash Reserve (Inclusive of money held in cash goals) Transfers from a Joint Cash Reserve (Inclusive of money held in cash goals) Transfers from an Individual Checking account Transfers from a Joint Checking account Transfers from an Individual Crypto account Transfers from a Non-Betterment Checking account Transfers from an Individual Stocks and Bonds Investing account to: Individual Stocks and Bonds Investing 1-2 days Joint Stocks and Bonds Investing 1-2 days2 Individual Cash Reserve (Inclusive of money held in cash goals) 1-2 days Joint Cash Reserve (Inclusive of money held in cash goals) 1-2 days2 Individual Checking 4-5 days Joint Checking 4-5 days Individual Crypto 1-4 days Non-Betterment Checking 4-5 days Transfers from a Joint Stocks and Bonds Investing account to: Individual Stocks and Bonds Investing 1-2 days2 Joint Stocks and Bonds Investing 1-2 days Individual Cash Reserve (Inclusive of money held in cash goals) 1-2 days2 Joint Cash Reserve (Inclusive of money held in cash goals) 1-2 days Individual Checking 4-5 days Joint Checking 4-5 days Individual Crypto 1-4 days Non-Betterment Checking 4-5 days Transfers from an Individual Cash Reserve (Inclusive of money held in cash goals) to: Individual Stocks and Bonds Investing 1-2 days Joint Stocks and Bonds Investing 1-2 days2 Individual Cash Reserve (Inclusive of money held in cash goals) Same day Joint Cash Reserve (Inclusive of money held in cash goals) Same day Individual Checking Same day3 Joint Checking Same day3 Individual Crypto 1-4 days Non-Betterment Checking 1-2 days Transfers from a Joint Cash Reserve (Inclusive of money held in cash goals) to: Individual Stocks and Bonds Investing 1-2 days2 Joint Stocks and Bonds Investing 1-2 days Individual Cash Reserve (Inclusive of money held in cash goals) Same day Joint Cash Reserve (Inclusive of money held in cash goals) Same day Individual Checking Same day3 Joint Checking Same day3 Individual Crypto 1-4 days Non-Betterment Checking 1-2 days Transfers from an Individual Checking account to: Individual Stocks and Bonds Investing 1-3 days Joint Stocks and Bonds Investing 1-3 days Individual Cash Reserve (Inclusive of money held in cash goals) Same day3 Joint Cash Reserve (Inclusive of money held in cash goals) Same day3 Individual Checking Instant Joint Checking Instant Individual Crypto 1-3 days Non-Betterment Checking 1-2 days Transfers from a Joint Checking account to: Individual Stocks and Bonds Investing 1-3 days Joint Stocks and Bonds Investing 1-3 days Individual Cash Reserve (Inclusive of money held in cash goals) Same day3 Joint Cash Reserve (Inclusive of money held in cash goals) Same day3 Individual Checking Instant Joint Checking Instant Individual Crypto 1-3 days Non-Betterment Checking 1-2 days Transfers from an Individual Crypto account to: Individual Stocks and Bonds Investing 1-4 days Joint Stocks and Bonds Investing 1-4 days Individual Cash Reserve (Inclusive of money held in cash goals) 1-4 days Joint Cash Reserve (Inclusive of money held in cash goals) 1-4 days Individual Checking 1-3 days Joint Checking 1-3 days Non-Betterment Checking 1-3 days Transfers from a Non-Betterment Checking account to: Individual Stocks and Bonds Investing 1-3 days Joint Stocks and Bonds Investing 1-3 days Individual Cash Reserve (Inclusive of money held in cash goals) 1-3 days Joint Cash Reserve (Inclusive of money held in cash goals) 1-3 days Individual Checking 1-5 days4 Joint Checking 1-5 days4 Individual Crypto 1-3 days Non-Betterment Checking - 1 Business days are Monday-Friday, excluding bank and market holidays. All transactions can be subject to processing delays in certain circumstances. Deposits should be initiated before 10 pm EST to count towards the stated transfer timeline. 2 Within accounts held at Betterment, we generally only allow transfers involving individual and joint investing accounts if you are listed as married to the account owner. Note: This requirement does not apply if you created the joint account and are the primary account owner. Confirm spouse details or, if you are not married, contact us and we can help you with a manual transfer. These manual transfers generally take 2-3 weeks to complete. 3 A Same-Day Transfer generally allows for cash transfers up to an aggregate daily limit to be completed on the same day between your individual and joint Cash Reserve accounts, your cash goals within your Cash Reserve account, or your Checking and Cash Reserve accounts. Please note that some transfers may take longer, particularly if you have recently deposited funds into your Cash Reserve account. 4 If the transaction is initiated on the Betterment side, the timeline is 4-5 business days. If initiated from your connected funding account’s side, it’s 1-2 business days. What are Betterment’s fees? Betterment offers several fee plans for our investing services. Below we’ve listed a pricing breakdown ... What are Betterment’s fees? Betterment offers several fee plans for our investing services. Below we’ve listed a pricing breakdown according to account type and additional fee information. Stocks and Bonds Investing Accounts Betterment’s investment advice is available for 0.25% (25 bps) per year or $4 per month. While it will impact our fees, Betterment does not require you to maintain a minimum balance for your account. We call this our Digital plan because you receive our advice online. The Digital pricing plan for our stocks and bonds investing accounts is determined by your total Betterment balance (based on your combined balance across any stocks and bonds investing accounts, Crypto accounts, Cash Reserve, cash goals, and Checking accounts you hold at Betterment) and your recurring...