For individuals & institutions

Earn more interest on your cash

Open a Flourish Cash account,1 fund it from your checking and savings accounts, then site back. We allocate your money to our FDIC-member Program Banks where it can earn more.

Keep your cash FDIC insured2

One Flourish Cash account provides up to 8x the FDIC insurance coverage of a single bank account. We do the hard work of moving your cash to our FDIC-member Program Banks.

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Traditional checking or savings account


Individual or business owner
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Flourish Cash account(s) across up to 8 Program Banks2


Individual owner

Flourish Cash account(s) across up to 8 Program Banks2


Joint owners

Flourish Cash account(s) across up to 8 Program Banks2


Business or nonprofit

Need your cash? No problem.

Access your cash whenever you need it through an unlimited number of transfers. Transfers submitted by 3PM ET are expected to settle on the next business day.3 Wire funds back to your checking account for a small fee if you need them even faster.

One simple account

Keep your existing checking and savings accounts and continue to pay your bills exactly as you do today.

No minimum

Fund your Flourish Cash account with as little as $1.

Minutes to get started

It's quick and easy to create and fund an account.

Zero account fees

With no fees to open or maintain an account, the rate your see is the rate you get.

One statement and tax form

Download on consolidated monthly statement and one annual tax form.

Support for personal and institutional accounts

We support accounts for:

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How it works

We are not a bank, but the money you transfer into your Flourish Cash account is automatically deposited at our FDIC-member Program Banks, such as PNC Bank and U.S. Bank.

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It's easy with SmartBalance

Flourish Cash is a clear choice for your savings, but what about the cash you need today? We’ve made it easy to keep what you need in your checking account while earning a competitive rate on the rest.

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Set a target balance
for any linked checking account.

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Cash above the target balance
is automatically transferred to Flourish Cash.

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Money is automatically transferred back
if your bank balance falls below the target.

The Next Step

As you consider the right next step for you given your unique situation, please feel free to schedule a call below to further explore Flourish Cash and other investing topics. At Avery Wealth we believe education and information is key to reaching your goals.

Frequently Asked Questions

1 A Flourish Cash account is a brokerage account offered by Stone Ridge Securities LLC. Stone Ridge Securities LLC is not a bank, but the cash balance in a Flourish Cash account is swept from the brokerage account to deposit account(s) at one or more third-party banks that have agreed to accept deposits from customers of Stone Ridge Securities LLC (“Program Banks”). The accounts at Program Banks pay a variable rate of interest.

2 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 FDIC aggregate insurance coverage limits. FDIC insurance will not be provided until the funds arrive at the Program Bank. There are currently at least 8 Program Banks available to accept deposits for personal Flourish Cash accounts (individual, joint and revocable trust accounts), and we are not obligated to allocate customer funds across more than this number of Program Banks if there is a greater number of banks in the Program. Customers are generally eligible for FDIC insurance coverage of $250,000 per customer, per Program Bank, for each account ownership category. Thus, personal customers are eligible for (i) up to $2,000,000 of FDIC insurance for either (A) an individual account or (B) an account for a revocable living trust in which one person is the only grantor, trustee and beneficiary of the trust (“Individual Revocable Trust Account”) and (ii) up to $4,000,000 of FDIC insurance for either (A) a joint account with two owners or (B) an account for a revocable living trust in which the same two persons are each the only grantors, trustees and beneficiaries of the trust (“Joint Revocable Trust Account”). The total FDIC coverage for a two-person household is calculated assuming that each household member has an individual account and that both household members share a joint account. If the number of Program Banks decreases for a customer (either because a Program Bank is no longer participating in Flourish Cash, because a customer’s cash is not eligible to be swept to a Program Bank based on criteria set by the Program Bank (which will be disclosed at account opening), or because a customer opts out of having their cash swept to a particular Program Bank), the amount of FDIC insurance for which the customer would be eligible through Flourish Cash would be lower. Typically, all of a customer’s deposits at a Program Bank in the same ownership category (including deposits held outside Flourish Cash or held through multiple Flourish Cash accounts with the same ownership category) count toward the FDIC insurance limit for deposits at that Program Bank. Customers are responsible for monitoring whether they maintain deposits at a Program Bank outside of Flourish Cash and should consider opting out of having their cash swept to any such Program Bank 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 for cash held in their Flourish Cash account. Further, SIPC protection is not available for any cash held at the Program Banks. For additional information regarding FDIC coverage, visit

3 For withdrawal requests submitted by the applicable deadline, the funds will generally be transferred to the requested external account by the next business day, except for withdrawal requests submitted on the weekend or on a holiday, which should be completed by the second following business day, but in some circumstances, withdrawals may take longer to complete, as further described in your account agreement.

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