Banking & Cash
Make your cash work — without taking on stock risk.
We don't offer bank accounts. We explain how high-yield savings, money-market funds, and Treasury bills work so you can decide where to park cash.
- Plain-English guide to HYSA, money-market funds, and T-bills
- Understand FDIC vs SIPC coverage
- Compare yields against the Fed Funds rate
- Learn how an emergency fund fits into your plan
What you get
High-yield savings
What makes a HYSA different from a regular savings account, and how to evaluate APY.
Money-market funds
How these short-duration funds work and what risks they actually carry.
Treasury bills
Why short-dated US government debt is often the highest-quality cash alternative.
How it works
- STEP 1
Read the cash guides
Start with 'Building an emergency fund' in the Personal Finance section.
- STEP 2
Compare yields
Use the Learn hub to understand how rates change with the Fed.
- STEP 3
Choose your bank
Open the account you decided on at the institution of your choice.
FAQs
- Do you hold cash deposits?
- No. We are an education platform and do not custody funds of any kind.
- What is FDIC insurance?
- It insures bank deposits up to $250,000 per depositor, per insured bank. We explain it in detail in the Learn hub.
Educational content only. Not investment, tax, or legal advice. Stock Trades App does not hold customer funds or execute live trades.