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Conveniently manage your Flourish Cash account with our mobile app that brings you the best of Flourish Cash. Not a Flourish client yet? Reach out to your financial advisor for an invitation. HIGH-YIELD CASH ACCOUNT Maximize the earning potential of every dollar with a high APY on the entire cash balance of personal, joint, and business accounts. FDIC Elevated FDIC insurance coverage through our Program Banks gives you exponentially more coverage than a single checking or savings account: $7.5 million for individual and business accounts, $15 million for joint accounts, and up to $30 million for a two-person household. EASY, FAST TRANSFERS Easily transfer money to and from your Flourish Cash account. Same-day transfers give you maximum flexibility and recurring transfer options help you automate savings. ORGANIZE FUNDS WITH BUCKETS Flourish Cash buckets help you manage your money more effectively. Create buckets according to your personal or business financial goals to keep funds organized. Create target goals and custom deposit rules to stay on track and motivated. DISCLOSURES Flourish Cash has a tiered interest rate structure and currently has one tier in effect. Rate and FDIC insurance coverage details can be found in the program summary. We deposit your cash with one or more of the Program Banks, subject to any Program Bank(s) you have excluded. You will earn the highest rate offered by Flourish up to the maximum deposit amount for each tier. Each annual percentage yield (APY) may change at any time. Your advisor may charge fees which impact the effective rate you receive on your cash; you should speak with your advisor for more information. The Flourish Cash interest rate(s) could be lower than the rate that could be earned by opening a deposit account directly with a Program Bank. The cash balance in a Flourish Cash account that is swept to one or more Program Banks is eligible for FDIC insurance, subject to FDIC rules, including aggregate insurance coverage limits. FDIC insurance will not be provided until funds arrive at the Program Bank. The current list of Program Banks can be found here. Customers are generally eligible for FDIC insurance coverage of $250,000 per customer, per Program Bank, for each account ownership category. FDIC insurance coverage details can be found in the program summary. If the number of Program Banks decreases for a customer (for instance, because a customer chooses to exclude Program Banks from receiving their deposits), the amount of FDIC insurance through Flourish Cash could be lower. Customers are responsible for monitoring whether they maintain deposits at a Program Bank outside of Flourish Cash and should consider choosing to exclude that Program Bank from receiving their deposits to avoid exceeding FDIC insurance limits. Although Flourish Cash is offered through a brokerage account and cash held in brokerage accounts often has the benefit of SIPC protection, until such time as we offer securities products, customers likely will not have the benefit of SIPC protection. SIPC protection is not available for cash held at the Program Banks. For additional information regarding FDIC coverage, visit https://fdic.gov/. For transfer requests submitted by the applicable deadline, funds will generally be transferred to or from the requested external account by the same or next business day, except for requests submitted on the weekend or on a holiday, which should be completed by the following business day. In some circumstances, transfers may take longer to complete, as further described in your Account Agreement. For withdrawal requests, fund availability is subject to the processing timeline of the receiving financial institution and may not be displayed or available until the end of the financial institution’s business day.