Betterment will construct your portfolio with ETFs, a type of security that generally tracks a broad-market stock or bond index but trades like a stock on a listed exchange, and these ETFs have embedded fund fees. Betterment's fund selection methodology aims to keep these costs as low as possible, and the dividends paid and reflected in your account's statement already take into account the deduction of these fees by the fund. Betterment does not receive any portion of these fund fees and these fees are in addition to our management fees ($4/month, 0.25% annually for Digital, and 0.40% annually for Premium). We charge a flat fee of $75 for each investing account transfer out of Betterment. There is no fee to withdraw funds to your linked checking account. You are not charged any additional trading or deposit fees.