How it works
Your income is incoming
Good news! Your money’s here. Whether it’s from your salary at work, a freelance gig, or anything else, money magic is about to begin...
Your money
moves like magic
When money comes in, it goes where you need it and want it - all automated and all according to your rules. Staying on top of your finances while powering your progress just got really easy.
Automate your
anxiety away
Take a deep breath. Worrying about
where your money’s going is gone.
Up to 4.00% APY¹ on every account
Whether you plan to spend or save, all of your accounts earn up to 4.00% Annual Percentage Yield. Sit back, relax, and enjoy a high APY on all of your money.
Spend responsibly, score rewards
Never carry over a credit balance or pay interest when you use your Fruitful Card. Your spending is linked to your Fruitful Cash Account. That means no debt, no interest, and no drama.
Double dip your earnings
Your cash back gets dropped right back into your Fruitful Cash Account earning up tp 4.00% APY1.
Spending reimagined
Score the rewards of a credit card while you spend responsibly.
Better benefits
Be confident about your cash
Fruitful Cash Accounts are held at our sponsor bank - Emigrant Bank, Member FDIC, which was founded in 1850, and is one of the largest privately held banks in the United States.
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Fruitful is a financial technology company, not a bank. Funds in your Fruitful deposit account(s) are held at Emigrant Bank, Member FDIC and are eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. Fruitful Financial, LLC is not an FDIC-insured bank and FDIC insurance only covers the failure of Emigrant Bank. Fruitful Financial, LLC, must satisfy certain conditions for pass-through deposit insurance coverage to apply.
The information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. Fruitful cannot and does not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes only. We encourage you to seek personalized advice from our qualified professionals regarding all personal finance issues.
Frequently asked questions
Fruitful is a personal finance platform that shows you what to do with your money, then makes it happen. You get a money system built for you, 1-on-1 help from CFP® professionals, and smarter ways to spend, save, and invest, all working together to keep you organized and moving toward your goals.
Your Money Map is the personalized plan for your money. It shows you exactly where every paycheck should go, across bills, spending, saving, investing, and when you’ll hit your goals. Then Fruitful helps you put it all into action automatically.
There’s no cost to get started with Fruitful. You can get fully set up, meet with your Guide, use your money system, and access Fruitful’s financial products with no membership fee. Some fees may apply depending on how you invest.
When you sign up, your first 3 months of Premium are included at no cost. After that, you can keep Premium for $999/year or continue with Fruitful at $0 membership. Either way, your Money System keeps working for you.
Premium gives you more ongoing access to your Guide, higher rewards, and no investment management fees.
At Fruitful, your money is held with established financial institutions built to keep it safe.
Fruitful Cash accounts are held at Emigrant Bank, Member FDIC, a bank founded in 1850 and one of the largest privately held banks in the country.
Your investments are held and cleared by Apex Clearing Corporation, Member FINRA/SIPC, one of the largest investment custodians in the U.S. Apex holds more than $276 billion in assets.
And the people helping you make financial decisions are held to high standards, too. Fruitful Advisory is an SEC-registered investment adviser, and every Fruitful Guide is a CERTIFIED FINANCIAL PLANNER™ professional and investment adviser representative.
For general inquiries, email hello@fruitful.com.
For member support, email support@fruitful.com.
Fruitful Cash
What’s Fruitful Cash?
Fruitful Cash is an up to 4.00% APY1 deposit account. You earn interest on all your money, whether you plan to save or spend it. It’s the best of both worlds - the high earnings of a savings account with the flexibility of a traditional checking account.
Your first 3 months of Fruitful Premium are included when you sign up, so you’ll earn 4.00% APY1 on your Fruitful Cash balance from day one. After that, you can stay with Premium and keep earning 4.00% APY, or continue with Fruitful at $0 membership and earn 3.00% APY.
Will the interest rate lock in, or does it change?
The interest rate and corresponding APY (Annual Percentage Yield) for Fruitful Cash Accounts are variable and set at our discretion. Interest rates may change at any time including after account opening without prior notice. This is based on a number of factors - the primary being the Federal Funds Rate. We’re motivated to provide members with as competitive a rate as possible. When the Fed, or Emigrant Bank, increases or decreases their interest rate, we increase or decrease ours.
Are there any account fees?
None. We don’t charge any account fees on Fruitful Cash accounts. See the Fruitful Cash Deposit Account Agreement to learn more about fees.
Fruitful Card
What’s Fruitful Card?
Fruitful Card is a secured charge card tied directly to your Fruitful Cash Account, making it easy to spend responsibly. Your transactions are reflected in your available cash balance, and since you can’t spend more than what’s in your account, you’re always in control. Plus, you’ll earn up to 2% cash back2 on every purchase—without any interest or carry-over balance to worry about.
When you open a Fruitful Cash account and get a Fruitful Card, the amount you deposit becomes your spending limit, just like the credit limit on a regular credit card.
As you use your Fruitful Card, your spending is reflected in your available cash balance. The funds you spend are then set aside in your Fruitful Cash Account, ensuring that your statement balance is covered at the end of the month. This way, you’re always spending within your means, with no surprises.
How do I earn 2% cash back?
Simple! When you sign up, your first 3 months of Fruitful Premium are included at no cost, so you’ll earn 2% cash back2 on all purchases from the start.
After 3 months, you can keep Premium for $999/year to continue earning 2% cash back2, or continue with Fruitful at $0 membership and earn 1% cash back. Either way, your Money System keeps working for you.
Premium also includes more ongoing access to your Guide and no investment management fees.
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