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US Treasury bills are guaranteed 

by the full faith and credit

of the United States

High yield checking
swept into T-bills
5.39% 
yield

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Charter client
$10,000 minimum

  • Debit Card.  Visa® Debit Card
  • ATM Access.  Cash withdrawals
  • ACH Transfers.  Electronic funds
  • Direct Deposit.  Earn immediately
  • Wire Transfers.  Same-day receipt
  • Client Service.  All day every day 

More in your pocket

At most banks, interest is low and taxes are high. We built a checking account with high yield and no state taxes. Give it a try and let me know what you think.

Terms and limitations apply. 4 week Treasury bill rate (as of 6/3/24) when held to maturity. Rate is shown gross of the 0.03% per month fee on the average daily balance. Yields on Treasury Bills are subject to change with economic conditions and the yield would be lower if fees were taken out. For a list of fees, see here. Treasury bills are investments.

Cash in your Evergreen Checking Account at Coastal Community Bank, Member FDIC, earns a variable 5.00% Annual Percentage Yield as of 6/3/24. The APY may change at any time.

US Treasury bills are investments and guaranteed by the United States and state tax exempt. Investments are not deposits, not FDIC insured, not bank guaranteed, and may lose value. Treasury bills are held in your SIPC-insured brokerage account with Jiko Securities, Inc. For details, please see www.sipc.org.
 
While other similar products may exist, we believe we are the first and the best at seamlessly integrating the features of a banking product and a Treasury bill account.

Source: treasurydirect.gov as of 6/3/24.
 
The value of Treasury bills fluctuates and investors may receive more or less than their original investments if sold prior to maturity.

* National average savings, interest checking, money market & CD rates as of 5/20/24. Source: fdic.gov

Evergreen Money Corporation is a financial technology company, not a bank. Banking products are provided by Coastal Community Bank, Member FDIC, pursuant to a license from Visa USA Inc. Deposits are insured up to $250,000 per depositor.
 
Investment advisory services are provided by Evergreen Money Advisors, an SEC-registered investment advisor.
 
Evergreen Money, Evergreen Money Advisors, and Coastal Community Bank do not provide tax, legal, or accounting advice. Information stated is not intended to provide nor should it be relied on for tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in transactions.

INVESTMENTS IN TREASURY BILLS AND OTHER INVESTMENTS ARE NOT DEPOSITS, NOT INSURED BY THE FDIC, NOT BANK GUARANTEED, AND MAY LOSE VALUE INCLUDING LOSS OF PRINCIPAL.

Treasury services provided by Jiko Securities, Inc., a registered broker-dealer, member FINRA and SIPC. Securities in your account protected up to $500,000. For details, please see sipc.org. The Jiko bank account is offered by Jiko Bank, a division of Mid-Central National Bank. Past performance is not indicative of future results. Jiko Group, Inc. and its affiliates do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. See FINRA BrokerCheckJiko U.S. Treasuries Risk Disclosures,  and Jiko Securities Inc. Form CRS. 


 
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AdviceAboutHomeChecking
Bill Harris

Founder of Evergreen Money

How Liquid Treasuries work

Deposits are automatically swept into US Treasury bills.
When you swipe your card, money is instantly moved out of Treasury bills.

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Digital Wealth Advisors
Liquid Treasuries

Top Ten Tax Strategies
What we do and why
Wealth Associates and Advisors

US Treasury bills are safe and secure*.
Liquid Treasuries make them easy and instant.

*Source: Treasury.gov

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Sign Up

Charter client
$10,000 minimum

Instant Access to Your Money

Sign Up
  • Debit Card.  Visa® Debit Card
  • ATM Access.  Cash withdrawals
  • ACH Transfers.  Electronic funds
  • Direct Deposit.  Earn immediately
  • Wire Transfers.  Same-day receipt
    Client Service.  
    All day every day

Treasury bills are guaranteed by the full faith and credit of the United States

US Treasury bills are safe and secure*.
Liquid Treasuries make them easy and instant.

*Source: Treasury.gov

$100,000 Balance

Yield / APY

Pre-Tax

After-Tax

JP Morgan Chase

0.01%

$10

$5

Evergreen Money

5.38%

$5,380

$2,825

After-Tax Return. The top state and city tax rate in New York City is 13.53%, but Treasury bills are exempt from state tax.

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Bill Harris
Founder of Evergreen Money

More in your pocket

At most banks, interest is low and taxes are high. We built a checking account with high yield and no state taxes. Give it a try and let me know what you think.

Compare to a
JP Morgan Chase
checking account

1

High yield checking
swept into T-bills
5.39% 
yield

Sign Up

High Yield

High yield checking 
swept into 
Treasury bills

No State Tax

Treasury bills are exempt from 
state and local taxes

Safe & Secure3

Treasury bills are guaranteed by
 the United States

First-of-its-kind checking account2

LIQUID TREASURIES

See terms. Cash in your checking account is FDIC-insured through our partner bank, Coastal Community Bank, Member FDIC, and not state tax exempt. Interest rates from bank websites for savings accounts as of 4/1/24.

Better than the best
high yield savings

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  • High yield - 5.38% yield
  • No state tax
  • Guaranteed by US
  • Debit card
  • ATM withdrawals
  • No moving between banks
  • No minimum term

1

Sign Up
  • High yield - 5.38% yield
  • No state tax
  • Guaranteed by US
  • Debit card
  • ATM withdrawals
  • No moving between banks
  • No minimum term

1

Better than the
best money market

Sign Up
  • High yield - 5.38% yield
  • No state tax
  • Guaranteed by US
  • Debit card
  • ATM withdrawals
  • No moving between banks
  • No minimum term

1

TM
Sign UpSign Up
  • High yield - 5.38% yield
  • No state tax
  • Guaranteed by US
  • Debit card
  • ATM withdrawals
  • No moving between banks
  • No minimum term

1

Better than the best
high yield savings

Sign Up
  • High yield - 5.38% yield
  • No state tax
  • Guaranteed by US
  • Debit card
  • ATM withdrawals
  • No moving between banks
  • No minimum term

1

Better than
the best CD

Sign Up
  • High yield -- 5.38% yield
  • No state tax
  • Guaranteed by US
  • Debit card
  • ATM withdrawals
  • No moving between banks
  • No minimum term

1

Better than the
best money market

Cash in your checking account is FDIC-insured through our partner bank, Coastal Community Bank, Member FDIC, and not state tax exempt. Interest rates from bank websites for savings accounts as of 4/1/24.

Sign Up

High Yield

High yield checking swept into Treasury bills

No State Tax

Treasury bills are exempt from state and local taxes

Safe & Secure

Treasury bills are guaranteed by the United States

First-of-its-kind checking account

LIQUID TREASURIES

TM

1

1

Compare to a
JP Morgan Chase
checking account

Sign Up

$100,000 Balance

Yield  / APY

Pre-Tax

After-Tax

JP Morgan Chase

0.01%

$10

$5

Evergreen Money

5.38%

$5,380

$2,825

After-Tax Return. The top state and city tax rate in New York City is 13.53%, but Treasury bills are exempt from state tax.

1

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US Treasury Bills are investments and guaranteed by the United States and state tax exempt. Investments are not deposits, not FDIC insured, and may lose value. Treasury bills are held in your SIPC-insured brokerage account with Jiko Securities, Inc. For details, please see www.sipc.org.

US Treasury Bills are investments and guaranteed by the United States and state tax exempt. Investments are not deposits, not FDIC insured, and may lose value. Treasury bills are held in your SIPC-insured brokerage account with Jiko Securities, Inc. For details, please see www.sipc.org.

What is Evergreen Money?

Evergreen is a financial technology firm dedicated to bringing innovation to the staid world of asset management. We use digital technology to re-engineer traditional banking and investment products and deliver a custom financial solution to each individual client.

Evergreen Money was founded by Bill Harris, former CEO of PayPal, Intuit and Personal Capital, an investment firm he founded and grew to $23 billion in assets. Our team includes technology veterans, product specialists and financial advisors.

Is my money safe?

The cash in your checking account is insured by the FDIC through our partner bank, Coastal Community Bank, Member FDIC, up to $250,000 per depositor. The US Treasury bills in your brokerage account are insured by the SIPC up to $500,000 per account holder and are guaranteed by the full faith and credit of the United States without limit. Treasury bills are not FDIC insured, not deposits, and may lose value.

What are Treasury bills?

US Treasury bills are short-term (typically 4 to 13 week) government obligations used to fund social security, the military and other programs. They are sold at a discount and mature at full price, so a 4-week T-bill would sell for $996 and mature at $1,000 -- a 5.24% annual return.

How do Liquid Treasuries work?

A Liquid Treasuries account combines a checking account with a brokerage account which holds only US Treasury bills. Deposits into the checking account are used to buy Treasury bills. Debit card purchases and other outgoing transfers are funded by selling T-bills.4 Banking products provided by Coastal Community Bank, Member FDIC.

What is tax-equivalent yield?

The tax-equivalent yield is used to compare taxable and tax exempt investments. It is the taxable yield necessary to generate the same after-tax return. For illustration only, with a 40% federal and 10% state tax rate (an approximation for a high-income taxpayer in a high-tax state), a state tax exempt 5.0% Treasury bill would have a tax-equivalent yield of 6.0% .

Tax Exempt Taxable
Pre-tax yield 5.0% 6.0%*
Tax rate 40% 50%
After-tax yield 3.0% 3.0%

*tax equivalent yield

Can I talk to a live person?

Our Client Service team is available all day, every day. Whether you are a client or just interested, you can reach us via email at support@evergreenmoney.com, live chat, or phone 1-844-383-3874.

What does Evergreen Money charge?

We do not charge commissions or transaction fees. We charge a monthly fee of 3 basis points (0.03%) on Treasury bills and 4 to 6 basis points (0.04% to 0.06%) on other investments.

What is Evergreen Money?

Evergreen is a financial technology firm dedicated to bringing innovation to the staid world of asset management. We use digital technology to re-engineer traditional banking and investment products and deliver a custom financial solution to each individual client.

Evergreen Money was founded by Bill Harris, former CEO of PayPal, Intuit and Personal Capital, an investment firm he founded and grew to $23 billion in assets. Our team includes technology veterans, product specialists and financial advisors.

Is my money safe?

The cash in your checking account is insured by the FDIC through our partner bank, Coastal Community Bank, Member FDIC, up to $250,000 per depositor. The US Treasury bills in your brokerage account are insured by the SIPC up to $500,000 per account holder and are guaranteed by the full faith and credit of the United States without limit. Treasury bills are not FDIC insured, not deposits, and may lose value.

What are Treasury bills?

US Treasury bills are short-term (typically 4 to 13 week) government obligations used to fund social security, the military and other programs. They are sold at a discount and mature at full price, so a 4-week T-bill would sell for $996 and mature at $1,000 -- a 5.24% annual return.

How do Liquid Treasuries work?

A Liquid Treasuries account combines a checking account with a brokerage account which holds only US Treasury bills. Deposits into the checking account are used to buy Treasury bills. Debit card purchases and other outgoing transfers are funded by selling Treasury bills.4 Banking products provided by Coastal Community Bank, Member FDIC.

What is tax-equivalent yield?

The tax-equivalent yield is used to compare taxable and tax exempt investments. It is the taxable yield necessary to generate the same after-tax return. For illustration only, with a 40% federal and 10% state tax rate (an approximation for a high-income taxpayer in a high-tax state), a state tax exempt 5.0% Treasury bill would have a tax-equivalent yield of 6.0% .

Tax Exempt Taxable
Pre-tax yield 5.0% 6.0%*
Tax rate 40% 50%
After-tax yield 3.0% 3.0%

*tax equivalent yield

Can I talk to a live person?

Our Client Service team is available all day, every day. Whether you are a client or just interested, you can reach us via email at support@evergreenmoney.com, live chat, or phone 1-844-383-3874.

What does Evergreen Money charge?

We do not charge commissions or transaction fees. We charge a monthly fee of 3 basis points (0.03%) on Treasury bills and 4 to 6 basis points (0.04% to 0.06%) on other investments.

Frequently Asked Questions

US Treasury bills are investments and guaranteed by the United States and state tax exempt. Investments are not deposits, not FDIC insured, not bank guaranteed, and may lose value. Treasury bills are held in your SIPC-insured brokerage account with Jiko Securities, Inc. For details, please see www.sipc.org.

Cash in your checking account is FDIC-insured through our partner bank, Coastal Community Bank, Member FDIC, and not state tax exempt. 

For illustrative purposes only.

US Treasury bills are investments and guaranteed by the United States and state tax exempt. Investments are not deposits, not FDIC insured, not bank guaranteed, and may lose value. Treasury bills are held in your SIPC-insured brokerage account with Jiko Securities, Inc. For details, please see www.sipc.org.

Cash in your checking account is FDIC-insured through our partner bank, Coastal Community Bank, Member FDIC, and not state tax exempt. 

For illustrative purposes only.

US Treasury bills are investments and guaranteed by the United States and state tax exempt. Investments are not deposits, not FDIC insured, not bank guaranteed, and may lose value. Treasury bills are held in your SIPC-insured brokerage account with Jiko Securities, Inc. For details, please see www.sipc.org.

Cash in your checking account is FDIC-insured through our partner bank, Coastal Community Bank, Member FDIC, and not state tax exempt. 

For illustrative purposes only.

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Cash in your checking account is FDIC-insured through our partner bank, Coastal Community Bank, Member FDIC, and not state tax exempt

US Treasury bills are investments and guaranteed by the United States and state tax exempt. Investments are not deposits, not FDIC insured, not bank guaranteed, and may lose value. Treasury bills are held in your SIPC-insured brokerage account with Jiko Securities, Inc. For details, please see www.sipc.org.

For illustrative purposes only.

US Treasury bills are investments and guaranteed by the United States and state tax exempt. Investments are not deposits, not FDIC insured, not bank guaranteed, and may lose value. Treasury bills are held in your SIPC-insured brokerage account with Jiko Securities, Inc. For details, please see www.sipc.org.

Cash in your checking account is FDIC-insured through our partner bank, Coastal Community Bank, Member FDIC, and not state tax exempt

For illustrative purposes only.

For illustrative purposes only.

Cash in your checking account is FDIC-insured through our partner bank, Coastal Community Bank, Member FDIC, and not state tax exempt

US Treasury bills are investments and guaranteed by the United States and state tax exempt. Investments are not deposits, not FDIC insured, not bank guaranteed, and may lose value. Treasury bills are held in your SIPC-insured brokerage account with Jiko Securities, Inc. For details, please see www.sipc.org.

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Careers

OUR FOUNDER

How to earn higher after-tax returns

Hear Evergreen founder Bill Harris instruct the financial community how to maximize the return on their personal cash assets. Bank accounts are taxed at the highest tax rates, but Treasury bills are exempt from state and local taxes.
Sign Up
Hear Evergreen founder Bill Harris instruct the financial community how to maximize the return on their personal cash assets. Bank accounts are taxed at the highest tax rates, but Treasury bills are exempt from state and local taxes.

How to earn higher after-tax returns

OUR FOUNDER

Sign Up

Founded by Bill Harris, former CEO of PayPal and Intuit

I built Evergreen for people who are purposeful about their two scarce resources— time and money. 

We automate a highly-optimized approach to banking, investments and taxes. Everything you need in one all-purpose account, giving you more money and more time.

FEATURED ON

Founded by Bill Harris, former CEO of PayPal and Intuit

I built Evergreen for people who are purposeful about their two scarce resources— time and money. 

We automate a highly-optimized approach to banking, investments and taxes. Everything you need in one all-purpose account, giving you more money and more time.

FEATURED ON

Our technology is 24x7 Our people are too

Your money is always with you in our simple but powerful app.
Our people are available whenever you need –
24 hours a day, seven days a week.

Contact Client Service around the clock via chat, email us at support@evergreenmoney.com or dial 1-844-383-3874. Our Wealth Associates are available for scheduled calls Monday-Friday between 9am-5pm ET.

Schedule a CallStart a Chat

Our Technology is 24/7. Our People are, too.

Your money is always with you in our simple but powerful app.
Our people are always available whenever you need something more– 24 hours a day, seven days a week.

Schedule a CallStart a Chat

Our Technology is 24/7. 

Our People are, too.

Your money is always with you in our simple but powerful app.
Our people are always available whenever you need something more– 24 hours a day, seven days a week.

Schedule a CallStart a Chat

Our Technology is 24x7

Our People are too

Your money is always with you in our simple but powerful app. Our people are available whenever you need –
24 hours a day, seven days a week.

Contact Client Service around the clock via chat, email us at support@evergreenmoney.com or dial 1-844-383-3874. Our Wealth Associates are available for scheduled calls Monday-Friday between 9am-5pm ET.

Schedule a CallStart a Chat

High yield checking
swept into Treasury Bills
5.38% 
yield

Earn More Now

After-tax return at Evergreen Money
with Liquid Treasuries at the top
California tax rate with a $100,000
balance versus bank savings accounts

$10,000 minimum deposit
. Fee applies.

1

Cash in your checking account is FDIC-insured through our partner bank, Coastal Community Bank, Member FDIC, and not state tax exempt. Interest rates from bank websites for savings accounts as of 6/3/24.

US Treasury bills are investments and guaranteed by the United States and state tax exempt. Investments are not deposits, not FDIC insured, not bank guaranteed, and may lose value. Treasury bills are held in your SIPC-insured brokerage account with Jiko Securities, Inc. For details, please see www.sipc.org.

LIQUID TREASURIES

TM
Earn More Now

After-tax return at Evergreen Money with Liquid Treasuries at the top
California tax rate with a $100,000
balance versus bank savings accounts

$10,000 minimum deposit.
Fee applies.

1

High yield checking
swept into T-bills
5.38% yield

Cash in your checking account is FDIC-insured through our partner bank, Coastal Community Bank, Member FDIC, and not state tax exempt. Interest rates from bank websites for savings accounts as of 6/3/24.

US Treasury bills are investments and guaranteed by the United States and state tax exempt. Investments are not deposits, not FDIC insured, not bank guaranteed, and may lose value. Treasury bills are held in your SIPC-insured brokerage account with Jiko Securities, Inc. For details, please see www.sipc.org.

LIQUID TREASURIES

TM

Better than 
the best CD

Rated

by

4.5

ALSO FEATURED ON

Rated

4.5

ALSO FEATURED ON

by

Cash in your checking account is FDIC-insured through our partner bank, Coastal Community Bank, Member FDIC, and not state tax exempt. Interest rates from bank websites for savings accounts as of 5/1/24.

This is a hypothetical comparison. The after-tax return is net of the .03% per month AUM fee. View disclosures here.

This is a hypothetical comparison. The after-tax return is net of the .03% per month AUM fee. View disclosures here.

This is a hypothetical comparison. The after-tax return is net of the .03% per month AUM fee. View disclosures here.

This is a hypothetical comparison. The after-tax return is net of the .03% per month AUM fee. View disclosures here.