Wealth front offers three types of cash accounts. They include: Individual Cash Account The individual cash account combines savings and checking features all in one account. Here you can deposit your paycheck, pay bills, use your debits card and earn interest on your entire balance. Joint and Trust Cash Accounts These accounts offer 0.10% APY, FDIC insurance for up to $1,000,000 through unlimited free transfers, partner banks, and $1 minimum to open an account. It is important to note that Wealthfront does not currently offer separate login for the Joint account. You can only access the account using a single user profile. The person who owns the account has equal ownership of the account. The account owner can view that account bank balance by logging into their Wealthfront profile and linking the joint account to their dashboard.