Betterment Routing Number: Cash Reserve Account Guide

What is the Betterment routing number?

Betterment's checking and Cash Reserve accounts use routing number 021214891, issued through nbkc bank. This routing number is used for ACH transfers, direct deposits, and automatic bill payments into your Betterment cash accounts.

Betterment is a financial technology company founded in 2008, known as one of the first robo-advisors. Beyond automated investing, Betterment offers checking, Cash Reserve (high-yield savings), and crypto accounts. Banking services are provided by nbkc bank, Member FDIC.

How to find your Betterment routing number

Log into the Betterment app or website and navigate to your checking or Cash Reserve account. Select 'Account Details' or 'Direct Deposit' to view your routing number (021214891) and unique account number.

Betterment displays transfer instructions directly in the account settings. The routing number is the same for both checking and Cash Reserve accounts since both are held through nbkc bank.

Betterment direct deposit and transfers

Set up direct deposit into Betterment using routing number 021214891 and your account number. Betterment supports employer payroll deposits, tax refunds, and government benefit payments via standard ACH.

Betterment offers two-way sweeps between checking and Cash Reserve, as well as automated savings features that move money into higher-yield Cash Reserve based on rules you define. External bank transfers are also supported.

Betterment checking and Cash Reserve features

Betterment Checking includes a Visa debit card with no foreign transaction fees, fee-free ATM withdrawals worldwide, and no monthly maintenance fees. Cash Reserve offers a competitive APY with FDIC insurance up to $2 million through partner banks.

Betterment's platform integrates checking, savings, and investing in one dashboard. Customers can set financial goals and automate deposits across accounts for a unified money management approach.

How Slash compares to Betterment

Betterment is geared toward personal finance and automated investing, while Slash is purpose-built for business banking. Slash offers up to 2% cashback on card spend, unlimited virtual cards with per-card controls, and full business checking with features like multi-entity support and expense management.

For businesses, Slash provides treasury yield, real-time spend tracking, stablecoin payment rails, automated expense categorization, and native accounting integrations — delivering a complete business financial stack that Betterment's consumer-focused platform does not address.