Company: WLTH
Filing Date: 2025-12-12
Form Type: 424B4
Source: 0001628280-25-056780
Chunk: 218

Company: WEALTHFRONT CORP
Filing Date: 2025-12-12
Form: 424B4
Chunk 218
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 “sweeps,” clients’ cash deposits to a large number of program banks where clients earn interest at an industry-leading APY 29 and benefit from the security of pass-through FDIC insurance. 30 By sweeping clients’ funds from Wealthfront Brokerage LLC through an intermediary bank 31 to multiple program banks, we enable our clients to access up to $8 million in FDIC insurance for individual accounts and $16 million for joint accounts. 32

In addition to interest at an industry-leading APY and no account fees, the Cash Account provides a full array of fee-free, no-strings-attached checking features. Our Cash Account has both checking and savings functionality, allowing clients to maximize their utility with just one account. Our various checking features include: debit cards, account and routing numbers for deposits and withdrawals, direct deposit, bill payment, mobile check deposits, access to over 19,000 free ATMs nationwide, early paycheck access of up to two days by enabling direct deposit, and free wire transfers to clients’ external accounts.

We also offer some automated features that make it easier to save and invest, including automated savings plans and recurring transfers, cash categories for easy budgeting and customizable saving goals, and the ability for joint account holders to track combined net worth and set shared goals with customized categories. Clients who open a Cash Account will automatically receive the full suite of our cash management services without a separate required opt-in process.

We deliver these cash management services through arrangements with several vendors, including certain banks. We sweep deposits to the various program banks utilizing automated allocations with the support of R&T, which serves as administrator of our cash sweep program. In addition, we offer the above checking features to clients through arrangements with our banking

29 Based on data collected by us on APY offered by a total of sixteen competitors offering online cash savings or cash management products from October 2022 through November 2025, during which period the APY offered in a Cash Account was among the top 1 to 5 of those competitors. As of December 1, 2025, clients could earn between 3.50% and 4.25% APY in a Cash Account.

30 Funds received for deposit in clients’ Cash Accounts are protected initially by SIPC up to $250,000 (plus any excess insurance we have purchased) and, once swept to program banks, by FDIC insurance. Subject to FDIC rules, pass-through FDIC insurance is provided up to $250,000 for all client assets held in