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4 min read
At Stash, we know every customer wants something a little different, so they can create the best financial future for themselves. That’s why we’re rolling out three new subscription plans, based on your individual needs, and to help you fulfill your goals.
Looking to start investing and just get your feet wet as you discover what there is to know about the market? We’ve got you covered. Or maybe you’re looking to save some money and earn stock or ETFs while you spend on our debit card1. Count us in! What about all of the above, plus long-term planning for retirement, and putting money away for the kids in your life? We have a plan for that too.
Think of our new investing subscription plans like your favorite music playlists—you get to pick and choose what will work best for you in your financial life.
We also think our subscription plans are a great value. You can actually save money using Stash’s financial products, and our subscription fee2 is completely transparent—we charge a fixed dollar amount each month, rather than a percentage of your assets. That means you get to keep more of what you save.
Here’s how you can save money using one of Stash’s subscription plans.
The new Stash lineup!
For just $1 a month2, you’ll get a personal investment account with unlimited trades, plus access to no hidden fee banking services3. You’ll also get access to our Stock-Back rewards program, which lets you earn stock or ETFs as you spend on your Stash debit card.
For $3 a month2, you get a personal investment account, a retirement account, and access to Stash’s banking services with Stock-Back rewards. The Growth tier can help you build a smart financial lifestyle by helping you balance long-term savings goals like retirement, with shorter-term money goals like building an emergency fund and investing in the stock market.
For $9 a month2, you get the personal investment account, access to banking services with Stock-Back Rewards (plus a premium metal debit card8 and double Stock-Back rewards every time you spend6), a retirement account, and two custodial accounts that can help the children in your life start saving for the future. You’ll also get a monthly market insight report that takes a deep dive into critical market analysis, created especially for our Stash+ users.
And regardless of what tier you choose, all Stash investors have access to free educational content about personal finance, investing, and money and lifestyle. We also offer investing advice in the app, and automatic savings tools that help you keep on track with your savings goals.
How we stack up
Not convinced? We offer investment accounts, unlimited trading, and banking services at competitive prices.
- We don’t require an account minimum before you can start investing.
- Some other investment accounts might charge annual management fees between 0.25% and 1%. That means, the more you save with them, the more you have to pay them. We charge a flat monthly fee1.
- Some banks might charge you money for low checking account balances, not to mention $30 or more for overdraft fees.
- With Stash, you can get started with your investing life for just $5, and you get unlimited trading. We also don’t charge some common banking fees—you heard that right. We don’t charge low-balance fees3 or overdraft fees7. Also, if you set up direct deposit, you can get you your pay up to two days early with ASAP direct deposit.4
More details about Stash’s products
With Stash you get five great products, plus financial education
- Personal investment account: You’ll get unlimited trades and the ability to buy hundreds of individual stocks, bonds, and exchange-traded funds.
- Banking services: You can use the Stash debit card fee-free at thousands of ATMs around the country, to take out money and deposit it.5 You can also use it wherever Visa debit is accepted. We also give you access to our rewards program, Stock-Back rewards, which gives you stock every time you spend6; at your favorite public traded companies, or in a global stock ETF.
- Retirement account: Whether it’s a traditional IRA or a Roth IRA, we have you covered, and you can start your long-term planning now.
- Custodial accounts9: Put money away for the children in your life. Custodial accounts function like brokerage accounts, and let you put money into a wide range of investments.
So whether you’re a beginner trying to learn the ropes of investing, or whether you’re a bit more advanced and looking for both brokerage and retirement accounts to meet your short-term and long-term goals, or maybe you just want to save money and get Stock-Back Rewards, we have subscription plans to help you lead your financial life the way you want to live it.
Start today with as little as $5.
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An International Bond ETF on Stash
1Account opening of the debit account is subject to Green Dot Bank approval.
2You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the Custodian. View Wrap Fee Brochure for details. 3What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. See full terms and conditions
3Other fees apply to the debit account. Please see the Deposit Account Agreement for details.
4Early access to your direct deposit depends on deposit verification and when Green Dot Bank gets notice from your employer, and may vary from pay period to pay period.
5Other fees may apply. Fee-free ATM access applies to in-network ATMs only. For out-of-network ATMs and bank tellers, a $2.50 fee will apply, plus any additional fee that the ATM owner or bank may charge.
6What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. See full terms and conditions.
7Transaction is declined and no fee is charged.
8Metal cards will begin shipping in Fall 2019.
Stash Stock-Back™ rewards is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned through this program. Stock-Back Rewards that are issued into a participating customer’s personal brokerage account via the Stash Stock-Back Program, are not FDIC Insured, Not Bank Guaranteed and May Lose Value.
9Includes UGMA/UTMA Accounts for a minor
Debit Account Services provided by Green Dot Bank and Stash Debit card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank. All of the registered trade names are used by, and refer to a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Green Dot is a registered trademark of Green Dot Corporation. @2019 Green Dot Bank. All rights reserved.
Investment products and services are not offered by Green Dot Bank and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.
This material has been distributed for informational and educational purposes only, represents an assessment of the market environment as of the date of publication, is subject to change without notice, and is not intended as investment, legal, accounting, or tax advice or opinion. Stash assumes no obligation to provide notifications of changes in any factors that could affect the information provided. This information should not be relied upon by the reader as research or investment advice regarding any issuer or security in particular. The strategies discussed are strictly for illustrative and educational purposes and should not be construed as a recommendation to purchase or sell, or an offer to sell or a solicitation of an offer to buy any security. There is no guarantee that any strategies discussed will be effective.
Furthermore, the information presented does not take into consideration commissions, tax implications, or other transactional costs, which may significantly affect the economic consequences of a given strategy or investment decision. This information is not intended as a recommendation to invest in any particular asset class or strategy or as a promise of future performance. There is no guarantee that any investment strategy will work under all market conditions or is suitable for all investors. Each investor should evaluate their ability to invest long term, especially during periods of downturn in the market. Investors should not substitute these materials for professional services, and should seek advice from an independent advisor before acting on any information presented. Before investing, please carefully consider your willingness to take on risk and your financial ability to afford investment losses when deciding how much individual security exposure to have in your investment portfolio.
Past performance does not guarantee future results. There is a potential for loss as well as gain in investing. Stash does not represent in any manner that the circumstances described herein will result in any particular outcome. While the data and analysis Stash uses from third party sources is believed to be reliable, Stash does not guarantee the accuracy of such information. Nothing in this article should be considered as a solicitation or offer, or recommendation, to buy or sell any particular security or investment product or to engage in any investment strategy. No part of this material may be reproduced in any form, or referred to in any other publication, without express written permission. Stash does not provide personalized financial planning to investors, such as estate, tax, or retirement planning. Investment advisory services are only provided to investors who become Stash Clients pursuant to a written Advisory Agreement. For more information please visit www.stashinvest.com/disclosures.