Zoe Financial Launches High-Yield Cash Accounts

New offering allows clients to earn competitive yields on uninvested cash through Zoe's wealth platform

Mar. 13, 2026 at 2:10pm

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Zoe Financial, a digital wealth management platform, has introduced high-yield cash accounts to its Zoe Wealth Platform. The new accounts allow clients to earn significantly higher annual percentage yields (APYs) of around 3.25% on their uninvested cash, compared to traditional savings accounts. The cash is automatically swept into interest-bearing deposit accounts at participating banks through Apex's FDIC-insured bank sweep program, providing a secure way for clients to keep funds readily available for future investing.

Why it matters

The new high-yield cash accounts from Zoe Financial give advisors and their clients another tool to help grow and protect wealth. In an era of low interest rates, the ability to earn competitive yields on uninvested cash can make a meaningful difference in a client's overall portfolio performance. The accounts also integrate seamlessly with Zoe's wealth management platform, allowing for a more streamlined and efficient advisory experience.

The details

Zoe's high-yield cash accounts offer several key features, including automatic cash sweeps into interest-bearing deposit accounts, the ability to keep cash readily available for future investing, and the option to open individual or joint accounts. The accounts are carried by Apex Clearing Corporation, providing a secure way for clients to hold uninvested cash.

  • The new high-yield cash accounts were introduced on March 13, 2026.
  • As of March 12, 2026, the accounts were offering an APY of around 3.25%.

The players

Zoe Financial

A modern digital wealth management platform that aims to reduce operational strain and improve client outcomes for financial advisors.

Andres Garcia-Amaya

The Founder and CEO of Zoe Financial.

Caroline Kolk

The Head of Product Experience at Zoe Financial.

Apex Clearing Corporation

The registered broker-dealer and member of FINRA and SIPC that serves as the clearing firm and custodian for Zoe's client brokerage accounts.

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What they’re saying

“We're always looking to improve the client experience at Zoe. Zoe's high-yield cash accounts allow advisors to offer yet another way for clients to protect and grow their wealth.”

— Andres Garcia-Amaya, Founder and CEO, Zoe Financial (digitalmedianet.com)

“Advisors should not have to choose between operational simplicity and doing what's best for clients. 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.”

— Caroline Kolk, Head of Product Experience, Zoe Financial (digitalmedianet.com)

What’s next

Zoe Financial is encouraging advisors and clients to learn more about the new high-yield cash accounts and request a demo of the Zoe Wealth Platform.

The takeaway

Zoe Financial's new high-yield cash accounts provide a way for advisors to help clients earn more on their uninvested cash, further enhancing the comprehensive wealth management services offered through the Zoe platform.