No marketing speak.
Just straight answers.
Yes. Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) — a U.S. government agency created after the Great Depression specifically to prevent the bank-run panic that wiped out ordinary people's savings.
If Stash's partner bank were to fail tomorrow, you'd receive up to $250,000 back within a few business days. Not from Stash. Not from insurance. From the U.S. federal government.
Since the FDIC was created in 1933, no depositor has ever lost a single cent of FDIC-insured funds. Not in 2008. Not in 1987. Not ever.
Insurance coverage applies per depositor, per FDIC-insured bank, per account ownership category. Joint accounts may be insured up to $500,000. Coverage does not extend to investment products, mutual funds, stocks, bonds, or crypto assets.
The FDIC steps in, usually over a weekend. By Monday morning, either your deposits have been transferred to another insured bank — and you access them normally — or the FDIC mails you a check.
The average time to resolve a bank failure and return insured deposits: less than 2 business days. The FDIC has handled 563 bank failures since 2001. Insured depositors got their money every single time.
For context: Washington Mutual failed in 2008 — the largest bank failure in U.S. history. Every insured depositor got their money back. Every one.
Historical data on bank failures and FDIC resolution timelines sourced from FDIC.gov public records. Past performance of FDIC resolution does not guarantee future timelines, though statutory requirements obligate the FDIC to reimburse insured depositors.
Zero. No monthly maintenance fee. No minimum balance fee. No overdraft fee. No incoming wire fee. No paper statement fee. No inactivity fee.
We make money through the spread on deposits — the difference between what we earn lending your deposits and what we pay you in APY. This is how every savings account works. We just don't extract additional fees on top of it.
The average American pays $8–$15/month in checking account fees. That's $180/year that compounds against you instead of for you.
No fees applies to standard Stash savings account. Expedited wire transfers may incur third-party bank fees outside our control. Standard ACH transfers are always free. Fee schedule available in full at stash.com/legal/fees.
The national average savings rate is 0.46% APY. Big banks like Chase and Bank of America pay as little as 0.01% on standard savings — that's not a typo.
Stash pays 4.75% APY. On a $10,000 balance, that's the difference between earning $1.00/year at a big bank versus $475/year with Stash. Same FDIC protection. Same liquidity. Dramatically different math.
APY = Annual Percentage Yield. Rate accurate as of February 2026 and subject to change. Big-bank rates sourced from publicly available disclosures as of the same date. Comparison is illustrative; your actual returns depend on balance and rate at time of calculation.
Yes. This is a high-yield savings account, not a CD, not a lock-up, not a vesting schedule. Your money is yours.
Transfers to your linked checking account typically complete in 1–2 business days via standard ACH. We don't charge for withdrawals. Federal Regulation D limits were removed in 2020, so there's no longer a cap on monthly withdrawals.
Emergency funds need to be accessible in emergencies. A savings account that locks your money isn't an emergency fund — it's a trap.
ACH transfer timing depends on your receiving bank. Expedited transfers may be available. Stash reserves the right to limit transactions in cases of suspected fraud or regulatory requirements.
Ready to stop leaving money behind?
Takes 3 minutes. No credit check. 4.75% APY starts day one.
Your bank is paying you almost nothing.
Same FDIC protection. Wildly different returns.
Rates sourced from FDIC National Rate survey & bank disclosures, February 2026.
Live · February 2026
total deposits protected this month
accounts earning 4.75% APY
The only question left is
why you haven't started yet.
Your emergency fund should work as hard as you do. Open a Stash account in 3 minutes — no credit check, no minimum balance, no catch.
Open Your Account in 3 MinutesNo credit check · Deposits federally insured to $250,000 · Cert #57890