We’ll provide a Betterment Visa Debit Card to you if you open Checking, which will allow you to access funds in Checking. You will not be able to access your Cash Reserve with the debit card. Cash Reserve is only available to clients of Betterment LLC, which is not a bank, and cash transfers to program banks are conducted through the clients’ brokerage accounts at Betterment Securities. Checking accounts and the Betterment Visa Debit Card provided and issued by nbkc bank, Member FDIC.