NEA Smart Money Account

A smarter way to bank and save.

NEA members can now earn the highest savings rate in the nation, with a Cash Management Account that won’t penalize you with fees for accessing your money.1

Sign In to Check Eligibility

In partnership with


A better home for your savings

The NEA Smart Money Account is a Federally-insured mobile bank account that pays 0.55% APY—that’s 18x the national average for a checking account! 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 0.55% APY in your bank account, 18x the national average on FDIC checking.
  • Free ATMs Nationwide
    Withdraw cash for free at one of 55,000 surcharge-free ATMs in our network.
  • 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

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

1. FDIC rates are from as of 7/8/21 for accounts with no minimum balance and no restrictions on withdrawals.