Up to 5.61% APY High-Yield with Auto Invest & Sweep Options

Bivo's Auto-Invest and Sweep feature ensures that every dollar works harder for you through up to 5.61% APY high-yield options while maintaining flexibility and liquidity1.

For businesses, with Bivo, there is no need to maintain separate operating or investment accounts—manage everything from a single platform.

For individuals, receive high-yield income starting the day you receive your payroll without need to have separate accounts to receive payroll, for savings, investments, brokerage, etc.

Key Benefits

Maximize Earnings
  • T-Bill Investments: Automatically invest in short-term U.S. Treasury Bills backed by the full faith and credit of the U.S. Government. You get industry leading high-yields while saving you on state income tax.
  • Money Market Sweep: Choose from treasury and government money market funds and earn industry leading high-yields.
  • FDIC-Insured Sweep: Earn industry leading high-yield on FDIC-Insured sweep through our bank partners.
Automate Efficiency
  • Funds are automatically swept from your accounts into high-yield investments, ensuring optimal returns without manual intervention.
  • The feature operates seamlessly in the background, saving you time and effort.
Maintain Liquidity
  • Access your funds anytime with same-day availability for payments, transfers, or withdrawals.
  • Auto-invested and Swept funds remain highly liquid, allowing for easy use as needed.
  • Enjoy fee-free ACH, domestic wires, and instant RTP/FedNOW transfers, ensuring cost-effective and hassle-free fund movements
Tax Advantages
  • Investments in Treasury-Bills are exempt from state income tax, providing additional savings for businesses and individuals alike.

High-Yield Secured Fund Options

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Treasury-Backed Security
  • Treasury-Bills are among the safest investment options, backed by the U.S. government.
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Money Market Investments
  • Money market funds invest primarily in Treasury and Government securities, providing both yield and security.
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Enhanced FDIC Coverage
  • While FDIC insurance typically covers up to $250,000 per account holder per bank, Bivo’s FDIC-insured sweep accounts distribute funds across multiple bank partners, enabling enhanced coverage limits and greater peace of mind.

How It Works

Set Preferences

Configure your account to earn high-yield with your preferred investment option: Treasury-Bills, money market funds, or FDIC-insured accounts.

Automatic Transfers

We take care of auto investing your funds in Treasury-Bills or sweeping it to money market funds, or FDIC Insured sweep with bank partners.

Earn High Yield

Your investments earn industry leading yields while maintaining liquidity for future needs.

Access Anytime

Need your funds back? Auto-invested or swept funds can be transferred, withdrawn, or reinvested at any time with no penalties or delays.

Why Choose Auto-Invest and Sweep with Bivo?

Security and Peace of Mind
  • Treasury-Bills are among the safest investment options, backed by the U.S. government.
  • Money market funds provide stable investment opportunities by focusing on U.S. Treasury or Government securities.
  • FDIC-insured sweep accounts provide enhanced coverage by distributing funds across Bivo’s bank partners.
Flexibility
  • Tailor your sweep preferences to align with your financial management strategy.
  • Choose from multiple high-yield options based on your needs and goals.
Simplicity
  • No manual intervention is required once your preferences are set.
  • Enjoy automated cash management that works for you 24/7.
  • Granular user permissions allow you to control who can initiate or approve transactions.

Frequently Asked Questions

1. What are the various options to earn high-yield?
You can choose to earn industry leading high-yield through the following options: Treasury-Bills (no state income tax), money market funds, and FDIC-insured accounts.
2. How do I withdraw funds from my sweep account?
You can request a withdrawal directly through your Bivo account dashboard. Funds are made available for use the same day.
3. Is there a minimum balance required to use this feature?
No. There is no minimum balance required to enable Auto-Invest and Sweep. The feature works efficiently for accounts of all sizes.
Resources
Call Us
(844) 322-6462
Write to Us
support@bivocash.com

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

Bivo High-Yield 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. Earn industry leading high-yield - by either (i) auto investment in U.S. Treasury Bills, (ii) sweep into your choice of money market funds, or (iii) FDIC-insured sweep at bank partners.

Treasury bills are backed by the full faith and credit of the US Government.

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 sweep are not subject to SIPC protection, and eligible for FDIC insurance, backed by the full faith and credit of the US Government, through bank partners.

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.

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.

3. Rates as of 3/29/2025. Annual percentage yield (APY) is variable and subject to change. Treasury yield of 4.35% APY on 4 weeks Treasury bills. Up to 5.61% APY effective yield on treasury bills 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. 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.

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 sweep fee, and paper statement fees may apply to your account. Please see Fee Schedule to learn more.

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