Skip to content

High-Yield Cash

Cash that doesn't sit still.

Earn a competitive yield on uninvested cash with no fees and no minimums — while keeping instant access to move it or put it to work in the market.

Open an account See pricing

APY (variable)

[X.XX]%

Illustrative — rates change with the market and can move at any time.

Fees

$0

No monthly fee, no minimum balance, no transaction fees.

Access

Instant

Move to your bank or invest it without waiting periods.

Interest

Daily

Accrues daily, credited monthly.

How coverage works

Uninvested cash is swept to one or more program banks. Eligible balances may qualify for pass-through deposit insurance up to applicable limits.

Replace before publishing: name the program banks and the scheme that applies (e.g. [FDIC] / [FSCS]) and the exact coverage limit. Don't quote a figure you can't substantiate.

Invested securities and crypto are not deposit-insured, are not bank-guaranteed, and may lose value.

  1. Step 1

    You deposit

    Cash lands in your Summitbull account, ready to invest or hold.

  2. Step 2

    We sweep it

    Uninvested balances move to program banks that pay interest.

  3. Step 3

    You earn & access

    Interest accrues daily; withdraw or invest the moment you want.

What it's good for

  • Emergency fund — keep your safety net earning instead of idling.
  • Dry powder — hold cash between investments without losing ground to fees.
  • Short-term goals — save toward a near-term purchase with easy access.

Why the rate can change

A high-yield cash rate is variable. It broadly follows short-term interest rates set in response to the central bank, so it can rise or fall over time — sometimes with little notice.

We'll always show the current APY in-app. Because it isn't fixed, treat any number on this page as illustrative until you've checked the live rate.

Questions, answered plainly.

Is my cash FDIC or FSCS insured?

Eligible cash swept to program banks may qualify for pass-through coverage up to applicable limits. [Confirm the scheme, banks, and limit.] Invested securities and crypto are not deposit-insured.

Can the APY change?

Yes. The rate is variable and can change at any time as market rates move.

Are there fees or minimums?

No monthly fees and no minimum balance. [Confirm any exceptions.]

How fast can I access my money?

Cash is available instantly to invest, and withdrawals to a linked bank follow standard transfer timing.

Put your idle cash to work.

Competitive yield, no fees, instant access.

Open an account See pricing