NEW YORK CITY, NY / March 13, 2026 / Zoe Financial, a modern digital wealth management platform that aims to reduce operational strain and improve client outcomes for financial advisors, introduced its new high-yield cash accounts to the Zoe Wealth Platform. With a ~3.25% APY, clients can earn a significantly higher annual percentage yield (APY) on their uninvested cash compared to traditional savings accounts, as of February 17, 2026.¹ 

“We’re always looking to improve the client experience at Zoe,” said Zoe’s Founder and CEO, Andres Garcia-Amaya, CFA. “Zoe’s high-yield cash accounts allow advisors to offer yet another way for clients to protect and grow their wealth.”

Zoe’s high-yield cash accounts support several key features:

• Automatic cash sweeps. Uninvested cash in Zoe’s high-yield brokerage accounts gets swept automatically into interest-bearing deposit accounts at participating Program Banks through the Apex FDIC-Insured Bank Sweep Program. No manual action from the advisor is needed.²
  
  

• Disciplined investing. Cash in Zoe’s high-yield cash accounts remains available for future investing, complementing dollar-cost averaging strategies. Rather than trying to “time” the market, clients can easily invest their cash in fixed, regular amounts.³
  
  

• Multiple account types. Clients can choose between individual high-yield cash accounts or joint high-yield cash accounts based on their personal financial needs. Zoe's streamlined account opening process allows clients and advisors to set up either type of account with ease.
  
  

• Secure cash holding. Carried by Apex Clearing Corporation, Zoe’s high-yield cash accounts offer a simple, secure way to store uninvested cash. 

“Advisors should not have to choose between operational simplicity and doing what’s best for clients,” said Caroline Kolk, Zoe’s Head of Product Experience. “By integrating high-yield cash accounts directly into the Zoe Wealth Platform, we make it easier for advisors to keep their clients’ cash productive while delivering a more complete financial strategy.” 

Zoe’s high-yield cash accounts are built to help clients earn more on their uninvested cash while keeping funds ready to invest. Note that rates are variable and not guaranteed; they may increase or decrease based on market conditions. Rates are set by participating Program Banks and may be lower than alternatives available elsewhere.

To learn more about the Zoe Wealth Platform, request a demo here. 

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¹ National average savings rate provided by FDIC.gov as of February 17, 2026. This figure represents an average across all savings account types and institution sizes, including passbook and low-balance accounts. Rates at individual banks — particularly online savings accounts — may be higher or lower than the national average. The comparison is provided for general context only and does not reflect a comparison against all available alternatives.

² "~3.25% APY" reflects the rate as of March 12, 2026. APY is variable, set by participating Program Banks, and may change at any time without notice. There is no guarantee the rate will remain at this level.

³ Under federal regulation, a Program Bank may require up to seven (7) days' prior notice before permitting a sweep withdrawal. Liquidity is subject to standard brokerage account processing times and applicable terms and conditions.

About Zoe Financial

Zoe is the wealth platform with the mission to help grow and protect clients’ wealth. Zoe’s platform brings account opening, funding, automated rebalancing, tax-loss harvesting, direct indexing, and commission-free fractional trading into one cohesive advisory experience. Learn more at https://zoefinancial.com/