What does my membership include?

Ellevest membership gives you access to four different services designed to help you take control of your money and level up your career — all in one app. 

We also designed it so that you can get your money’s worth whether you decide to use one of those services, or all of them. It’s your choice.

Investing

This one is really close to our hearts — it was the first service we ever offered. You can invest with Ellevest whether you’re brand new at this or have been investing for years. Our platform is designed to help you work toward your long-term goals, from building wealth over time to saving for retirement and other complex goals.

It only takes a couple of minutes to get started, you control how much you invest (there’s no minimum¹), and we do the investing for you.

Everyday saving and spending²

When you become an Ellevest member, you get two banking accounts: one for spending, and one for saving. Your Ellevest Spend account comes with a debit card that lets you earn cash back in stores and online (and makes it easy to shop women-led businesses). You can also choose to automatically round up the change from your purchases into your Ellevest Save account, if you want. That way, you could save for your short-term goals faster and sooner.

On-demand learning

Ellevest members get access to a full suite of free online workshops, email courses, videos, and more. Our team of money and career pros are here to help you learn about things like how to make a budget, how to pay off debt, how investing works, the difference between a Roth and traditional retirement account, how to negotiate for a raise, how to write a resume, and so much more.

Coaching

And last (but definitely not least), Ellevest members get up to 50% off all money and career coaching sessions. A coach can give you personalized help and advice in one-on-one or group coaching sessions.

¹The Ellevest Membership investing service doesn’t require you to maintain a minimum account balance. However, there are portfolio-specific minimums (ranging from $1 to approximately $240). You may not receive the entire recommended portfolio until your account balance meets the respective portfolio minimum. Ellevest will not rebalance a portfolio until it meets the respective account balance minimum necessary to generate the required shares. This minimum is a function of portfolio allocation and the share price of individual holdings, which will vary.

²Banking products and services are provided by Coastal Community Bank (“Coastal”), Member FDIC, pursuant to license by Mastercard International. Your Ellevest Save and Ellevest Spend Account deposits will be insured to the regulatory limits by the FDIC through Coastal. 

Funds held in your Ellevest investment accounts are not FDIC insured, not guaranteed by Coastal, and may lose value. Ellevest does not guarantee investment performance.

The Ellevest Rewards program is powered by Dosh®, an unaffiliated third-party provider, which offers Ellevest banking members cash back on Ellevest debit card purchases from select merchants. Each Ellevest Rewards, Powered by Dosh program offer is available for a limited time only for qualifying purchases at participating merchants (subject to the particular offer and full program terms). Cash back percentages will vary and offers may become unavailable without notice. Additional terms, conditions and exclusions apply and can be found in the Ellevest Membership Terms and Conditions Agreement.

If you activate the Ellevest roundup feature for debit card purchases, each settled (i.e. fully completed) purchase transaction made with your Ellevest Debit Card will be rounded up to the nearest whole US dollar. The amount rounded up will be transferred from your Ellevest Spend account to your Ellevest Save account (a "Transfer"). Foreign purchases are rounded up to the nearest whole dollar after the purchase is converted to US dollars. ATM withdrawals and transactions in whole US dollars, e.g. $20.00, are excluded from the Ellevest roundup program. If, at the time of settlement of a purchase, your Ellevest Spend Account has insufficient available funds to cover the full amount of the Transfer, the Transfer will not be made. If a purchase is canceled or reversed for any reason (including disputes), the corresponding Transfer will not be reversed. You can opt out of the Ellevest roundup feature at any time.