Up to 5.67% APY High-Yield with Cash Plus Options
With Bivo’s Cash Plus Accounts, you choose how your cash works—earn up to 5.67% APY with full flexibility and liquidity.1
Why split your money across accounts? Bivo unifies it all—and puts every dollar to work.
Bivo Cash Plus is built for real life: business and individuals can receive money, handle expenses, and earn high yield from day one.
Key Benefits
Maximize Earnings
- FDIC Insured: Earn industry leading high-yield with FDIC insured, backed by the full faith and credit of the U.S. Government through our partner banks.
- Liquid Treasury Bills: You get industry leading high-yields while saving on state income tax. Liquid Treasury Bills are backed by the full faith and credit of the U.S. Government.
- Money Market: Choose from treasury and government money market funds and earn industry leading high-yields.
Automate Efficiency
- Bivo Cash Plus Accounts offers built-in options to maximize your returns—automatically.
- The feature operates seamlessly in the background, saving you time and effort.
Maintain Liquidity
- Access your cash anytime with same-day availability for payments, transfers, or withdrawals.
- Cash remain highly liquid, allowing for easy use as needed.
- Enjoy fee-free domestic wires, ACH, and instant RTP/FedNOW transfers, ensuring cost-effective and hassle-free fund movements
Tax Advantages
- Treasury bills are exempt from state income tax, providing additional savings for businesses and individuals alike.
High-Yield Secured Fund Options
Enhanced FDIC Coverage
- FDIC insured, backed by the full faith and credit of the U.S. Government through partner banks. While FDIC insurance typically covers up to $250,000 per account holder per bank, Bivo’s FDIC insured Cash Plus Accounts distribute cash across multiple bank partners, enabling enhanced coverage limits and greater peace of mind.
Treasury Bills
- Treasury Bills are among the safest options, backed by the full faith and credit of the U.S. Government.
Money Market
- Treasury and Government money market, providing both yield and security.
How It Works
Set Preferences
Configure your account to earn high-yield with your preferred Cash Plus Account option: FDIC insured, Liquid Treasury Bills, or money market.
Earn High Yield
Your cash earn industry leading high yield while maintaining liquidity for your needs.
Access Anytime
Need your Cash back? Cash can be withdrawn at any time with no penalties or delays.
Why Choose Bivo Cash Plus Account?
Security and Peace of Mind
- FDIC insured Cash Plus Accounts provide enhanced coverage by distributing cash across Bivo’s partner banks.
- Liquid Treasury Bills are among the safest options, backed by the full faith and credit of the U.S. government.
- Money market funds provide stable investment opportunities by focusing on U.S. Treasury or Government securities.
Flexibility
- Tailor your Cash Plus option 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 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: FDIC insured, Liquid Treasury Bills (no state income tax), or money market.
2. How do I withdraw cash from my Cash Plus Account?
You can request a withdrawal directly through your Bivo account dashboard. Cash is 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. The feature works efficiently for accounts of all sizes.