The Atomic Treasury account is an investment advisory account offered through our partnership with Atomic Invest LLC (Atomic Invest) and is available exclusively to NerdWallet+ members. The Atomic Treasury account offers customers a competitive yield of up to 4.45%¹ through the purchase and reinvestment of 4-week Treasury Bills (T-Bills). Key benefits include:

• High yield:
Enjoy a competitive yield of up to 4.45%¹, which can be more attractive than high-yield and regular savings accounts.

• Tax advantages:
Earned interest is exempt from state and local income taxes — which can make the Atomic Treasury account more attractive for customers in states with high tax burdens, like New York and California.

• Daily liquidity:
Access your funds any time with no restrictions on withdrawals.⁴ However, to capture the full yield, you’ll need to allow your T-Bills to mature — this generally takes up to 4 weeks.

• Security:
T-Bills are a low-risk investment backed by the full faith and credit of the U.S. Government.

• No minimums:
The Atomic Treasury account has no minimum deposit or balance requirements.

• Automatic management:
Once funds are deposited into the Atomic Treasury account, they are automatically used to purchase your Treasury Bills. As your Treasury Bills mature, their interest and your principal are re-invested in new T-Bills of the same term — so your money is working hard for you with minimal effort.

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Once you open and fund your Atomic Treasury account through Atomic Invest, Atomic Invest will automatically invest funds in high-yielding 4-week T-Bills to maximize returns.

Treasury Bills (T-Bills) are short-term U.S. debt securities issued by the federal government that mature in less than a year. Common maturities are 4 weeks, 8 weeks, 13 weeks, 26 weeks, and 52 weeks. The Treasury account available to NerdWallet+ members invests in T-Bills that mature within 4 weeks.

T-Bills are typically purchased in increments of $100 par value — the T-Bill’s value at maturity. T-Bills are purchased at a discount, and the difference between the discounted price and the par value is your yield. For example — a $1,000 T-Bill may cost $996.41 to purchase, generating an income of $3.59 over a 4-week period. This equates to 4.68% annualized yield.† T-Bills generally rise in value and approach par value as the maturity date nears

When your T-Bills mature, the principal and earned interest are automatically reinvested by Atomic Invest in a new T-Bill of the same term.

For providing its investment services, Atomic Invest charges 0.18% annually.⁵ This amount will be deducted from your Atomic Treasury account on a monthly basis.

Atomic Brokerage LLC is a registered broker-dealer and member of FINRA and SIPC (Securities Investor Protection Corporation). The SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org. Unlike FDIC insurance, which protects deposits in banks; SIPC coverage is specific to brokerage accounts holding stocks, bonds, and other securities. However, SIPC does not cover losses from market declines or bad investments. Instead, it protects against the loss of funds or securities held in a brokerage account if the broker dealer goes bankrupt or mismanages customer assets.

Earned interest earned on T-Bills is subject to federal income tax but is exempt from state and local income taxes. We suggest consulting with a tax advisor to understand the specific tax implications for your situation.