Please note: Effective December 9, 2022, the NEA Smart Money Account program will be closed. We apologize for any disruption and inconvenience this may cause.

If you have linked a bank account to your cash management account, we request that you please transfer the available funds in your cash management account to your linked bank account as soon as possible—and no later than the program termination date of December 9, 2022. If you take no action by December 9th, you will receive a check in the full amount of your outstanding balances.

If you are receiving direct deposit or have set up automated bill payments, please ensure that these are redirected to another bank account to ensure that you receive your December paycheck without disruption and your automated bill payments continue to post on time.


NEA Smart Money Account

A smarter way to bank and save.

NEA members can now get effortless banking and investing with a Cash Management Account that won’t penalize you with fees for accessing your money.1

In partnership with



A better home for your savings

The NEA Smart Money Account is a Federally-insured mobile bank account that pays up to 0.55% APY. Plus, you have the option to connect your bank account with two simple, low-risk investment options that offer an even higher return.


Unlike other cash management products, you can seamlessly move money between banking and investing, instantly and with no fees, so you always have access to all of your cash.

how it helps

All your financial needs in one place

Simply use the NEA Smart Money Account as your new everyday bank account, or choose to take advantage of integrated investment options for even more savings.

Federally Insured Account

Your bank account enables you to earn a high rate on your everyday savings, with easy access for things like daily retail purchases, mortgage, rent, or utilities.

Short Duration Account

Short-term investment options are a great way to save for financial goals you want to achieve in the coming year, like vacations, holidays, new vehicles, or home renovations.

Long Duration Account

Save for tomorrow with investment options that can offer a higher long-term return for multi-year financial goals like education, a new home, or retirement.

See how the NEA Smart Money Account acts as both a bank and investment account.


  • No Catches
    No overdraft fees, no monthly service fees, no commissions associated with investing or trading, no minimum balance requirements, and no credit check required.
  • Get Paid Early
    Enjoy the ability to receive direct deposit paychecks up to two days early.
  • The Highest Rate in the Nation
    Earn up to 0.55% APY in your bank account.*
  • Free ATMs Nationwide
    Withdraw cash for free at Visa surcharge-free ATMs.
  • Your Cash is Always Available
    Your money is instantly accessible, whether in your bank account or invested, and can easily be moved between accounts.
  • Payments Made Easy
    Use free online bill pay, a contactless Visa debit card, and Apple Pay or Google Pay for all of your purchases, or send money to family and friends via free person to person payments.

How It Works

Investing in your future has never been so easy

  1. Open Your Account
    Available to all current and retired NEA members, enrollment takes less than 5 minutes.
  2. Fund Your Account
    Link to an existing bank account via Plaid, the industry standard for secure transactions. Or set up direct deposit to fund.
  3. Use Your Account
    Download the mobile app to start banking on your phone. Your debit card should arrive within 10 business days.
Investor Cash Management logo

Investor Cash Management’s mission is to transform individuals into investors with a simple, inclusive approach to finance.

We’ve partnered with ICM because they are committed to making it easier for both novice and experienced investors to achieve their financial goals, creating a better financial future for all. As a Visa Ventures Company, ICM has been named among the country’s leading fintech companies by Visa, Capgemini, Morningstar, Envestnet and the Export-Import Bank of the United States.


Your questions, answered

* Terms and conditions may apply. You must meet certain conditions to receive the disclosed Earnings Rate. Please see our Rate Sheet for a full description of requirements and limitations.

All rates are as of 03-01-2022 and are subject to change.

Please review the Cardholder Agreement for a complete list of terms and conditions.

NEA Smart Money Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.