Up to 5.67% APY High Yield - Unlock the Power of Your Cash

At Bivo, every dollar in your account works harder for you. All cash in Cash Plus Account earns 4.60% APY* with FDIC insured option, up to 5.67% APY with Liquid Treasury Bills option and state income tax savings. Earn up to 4.30% APY on Money Market options¹.

Key Benefits

Earn from Day One

Immediate High-Yields: Your cash start earning high yields the moment they are deposited.
No Exclusions: Every dollar is productive immediately with no waiting periods.

Seamless Integration

All-in-One Account: An all-in-one account for your cash management need - primary, operating, or investment needs.
Maximize Returns: Receive your payroll, pay bills, or save while maximizing your high yield returns.

Cash Plus Options

FDIC Insured: Enhanced coverage, backed by the full faith and credit of the US Government through partner banks.
Liquid Treasury Bills: Backed by the full faith and credit of the US Government and exempt from state income tax.
Money Market: Reliable, flexible, and high-yield.

Why Choose a High-Yield Account with Bivo?

Maximized Returns

Enjoy a competitive up to 5.67% APY yield on every dollar without locking your cash.
Build your wealth efficiently with convenient access to your money.

Liquidity and Flexibility

Access your cash anytime with same-day availability for withdrawals or transfers.
Manage your finances with ease while optimizing earning potential.

Your Security, Our Priority

All cash is backed by trusted institutions, including U.S. Treasury securities and FDIC insured bank partners.
Advanced security protocols help safeguard your cash.

How It Works

Deposit Funds

Add money to your Bivo account to start earning immediately.

Choose Your Option

Select from FDIC insured, Liquid Treasury Bills, or money market based on your preferences.

Earn Effortlessly

Your cash grows automatically, with no manual intervention required.

Access Anytime

Withdraw or transfer funds at your convenience without penalties or delays.

Frequently Asked Questions

1. What is the current yield rate?

Our Cash Plus Account with the FDIC insured option offers a 4.60% APY* for the first 3 months, followed by a competitive 4.30% APY thereafter—one of the best rates available today. Our liquid Treasury Bill option offers a high-yield of 4.40% APY and an effective yield of up to 5.67% APY with state income tax savings. Our money market options provide high-yield of up to 4.30% APY.

2. Are there any hidden fees?

No. Bivo accounts have no hidden fees, no minimum balance requirements, and no monthly maintenance charges.

3. Can I use my account for payments?

Absolutely. Bivo Cash Plus Accounts combine the benefits of a high-yield account with the flexibility of an operating account, allowing you to manage payments, and transfer funds seamlessly.

4. Is my money safe?

Yes. Bivo prioritizes security with FDIC insured, Liquid Treasury Bills, and top-tier money market funds.

5. How do I access my cash?

You can access your cash anytime through our platform, with same-day availability for withdrawals or transfers.

Resources

Call Us

(844) 322-6462

Write to Us

support@bivocash.com

Investing in securities products involves risk and you could lose money.

Bivo Cash Plus Accounts are offered by Bivo Financial LLC, (“Bivo”) a broker-dealer registered with the Securities and Exchange Commission (SEC). Bivo is a member of the Financial Industry Regulatory Authority (FINRA), and Securities Investor Protection Corporation (SIPC).

1. Bivo provides Cash Plus Accounts with the following high-yield options (i) FDIC insured with partner banks, (ii) U.S. Treasury Bills, or (iii) money market funds.

* Rates as of 4/11/25. The FDIC insured option offers a 4.60% APY for the first three months for new customers, followed by a competitive 4.30% APY thereafter—one of the best rates available today.

Cash Plus Accounts with FDIC insured option, backed by the full faith and credit of the US Government through partner banks.

Liquid Treasury Bills option offers 4.40% APY and up to 5.67% APY effective yield with state income tax savings and is based on 37% Federal income tax and 13.30% state income tax. Please use the calculator provided to calculate your effective APY. Bivo does not provide legal or tax advice. Consult an attorney or tax professional regarding your specific situation.

Cash Plus Accounts with Liquid Treasury Bills option backed by the full faith and credit of the US Government.

Money market options offer high yield of up to 4.30% APY.

Annual percentage yield (APY) is variable and subject to change. The national average savings account interest rate is reported by the FDIC (as of December 16, 2024) as the average annual percentage yield (APY) for savings accounts.

SIPC currently protects the assets in securities accounts at Bivo up to $500,000 (including $250,000 for claims for cash). Please see https://www.sipc.org/ for more information. Funds in FDIC insured option are not subject to SIPC protection, and eligible for FDIC insurance, backed by the full faith and credit of the US Government, through partner banks.

Money Market Fund Disclosure: Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

Commission-free trading refers to $0 commissions charged on trades of US listed registered securities placed during the US Markets Regular Trading Hours in self-directed brokerage accounts offered by Bivo. Keep in mind that other fees such as regulatory fees, trade fees, auto investment fee, and paper statement fees may apply to your account. Please see Fee Schedule to learn more.

2. Certain payment services including international payments may be provided by Bivo Inc. (NMLS #2572288). Bivo Inc. is a licensed money transmitter and an affiliate of Bivo.