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We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

Personal Finance (US)

Personal Capital Cash™ account full review

This type of account mixes features of checking and savings accounts in the same place, but it is not provided by a typical bank. Learn all about it on the Personal Capital Cash™ review post!

Personal Capital Cash™ account: no fees and a high-interest rate

Learn more about the account in this Personal Capital Cash™ review. Source: Personal Capital.
Learn more about the account in this Personal Capital Cash™ review. Source: Personal Capital.

Personal Capital is a company that offers a package of financial resources and services. One of its best features remains in the fact that it doesn’t have fees. So today you will read a complete article in this Personal Capital Cash™ review.

Plus, you can get free and online access to wealth management tools and planners to optimize your financial strategies and goals.

Also, as it is held by a retirement service provider, the Personal Capital Cash™ account features amazing retirement planning.

On this post, you will learn how it works and if it is an option for you!

Intro Balance Transfer APRNone
APY0.05%
Balance Transfer FeeNo fees
Monthly FeeNo fees
ATM FeeNo fees
Logo Personal Capital Cash e porquinho fundo rosa

How to apply for a Personal Capital Cash™ account?

Enjoy having an account with no fees and no minimum balance with Personal Capital Cash™. Learn how to open your account today!

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How to apply for a Personal Capital Cash™ account?

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How does the Personal Capital Cash™ account work?

If you are searching for a savings account, you should look for a high-interest rate with FDIC Insurance. This account meets both requirements since it has a high yield and the funds are insured.

But you must look for something else: the fees. It’s no use earning well in interest if you pay a lot of account fees. So, let me tell you that Personal Capital Cash™ account doesn’t charge fees. At all. 

You must be wondering how it is possible, right? Well, some traditional features are not available yet, such as physical branches, debit cards, wire transfer, and ATM withdrawal.

However, this account won’t force you a minimum balance when opening it, as other banks will.

As a member, you will be able to access an outstanding platform where you can manage your money through an online dashboard.

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By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.

Personal Capital Cash™ account benefits

See what are the benefits of the Personal Capital Cash™. Source: Pixabay.
See what are the benefits of the Personal Capital Cash™. Source: Pixabay.

Let’s get started with the advantages. First of all, it doesn’t charge fees. It is definitely the best feature. But not the only one. 

With a high yield for a savings account, it delivers a good interest payment for your pocket. And you won’t find it in the market, as traditional savings accounts don’t pay much.

There is no minimum balance required, and you can manage all your financial information in one online dashboard, such as employer paycheck, checking account, investment, and purchases.

However, no fees mean fewer features. Even though it offers many tools and a robust platform, it doesn’t have physical branches, debit cards, and ATM withdrawals.

Pros

  • Savings and checking accounts in one place, with a high-interest rate and FDIC-insured
  • No fees
  • Robust platform
  • No minimum balance required

Cons

  • No physical branches
  • There are no debit cards
  • No ATM withdrawals and wire transfers

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

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How good does your credit score need to be?

There is no minimum credit score or balance required to open an account at Personal Capital. 

How to apply for Personal Capital Cash™?

If you are interested in learning more about how you can open an account at this company, then read our next post right below!

Logo Personal Capital Cash e porquinho fundo rosa

How to apply for a Personal Capital Cash™ account?

Enjoy having an account with no fees and no minimum balance with Personal Capital Cash™. Learn how to open your account today!

Keep Reading
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How to apply for a Personal Capital Cash™ account?

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About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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Advertiser Disclosure

We are an independent, objective, advertising-supported content publisher website. In order to support our ability to provide free content to our users, the recommendations that appear on our site might be from companies from which we receive affiliate compensation. Such compensation may impact how, where and in which order offers appear on our site. Other factors such as our own proprietary algorithms and first party data may also affect how and where products/offers are placed. We do not include all currently available financial or credit offers in the market in our website.

Editorial Note

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included within the post. That said, the compensation we receive from our affiliate partners does not influence the recommendations or advice our team of writers provides in our articles or otherwise impact any of the content on this website. While we work hard to provide accurate and up to date information that we believe our users will find relevant, we cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

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