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NEA Smart Money Account

Earn more than 18x the national average!

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In partnership with


The NEA Smart Money Account offers a unique blend of banking and investing

Are you tired of earning little to no interest on your cash savings?
With an NEA Smart Money Account you can earn greater returns on your money without credit checks or monthly fees.

  • Fund your NEA Smart Money Account by linking an existing bank account or by setting up direct deposit
  • Choose from FDIC-insured savings accounts or invest in brokerage accounts
  • 100% of your cash stays accessible while it generates returns
  • Available to all current and retired NEA members with no credit check required
  • Enroll in less than 5 minutes. Download the app for easy access to your account
  • Get free access to 55,000 in-network ATMs

how it helps

Get investment-level returns while having full access to your money

You’ll always have access to your cash

Maximize your money with investment-level returns that you can save or spend right away. No waiting periods or early withdrawal penalties.

Easily manage your online account 

With full-featured digital banking, you can pay with your NEA Smart Money debit card and bank through the app, ATMs and online.

Meet all your financial needs in one place

Pay your bills, set aside money for goals and invest for a better future all at once.

Feel secure with an NEA-endorsed program

This program is only available through partnerships with organizations such as the NEA.

Introducing the New NEA Smart Money Account

Make your money work harder for you! As an NEA member, you have exclusive access to a low risk and high reward alternative to traditional checking and savings.

How It Works

Investing in your future has never been so easy

  1. Make sure you’re logged in to your NEA Member Benefits account. 
  2. Click the “Open an Account” button above.
  3. You’ll be directed to create an account on the NEA Smart Money website.
  4. Download the app to start banking on your phone.
  5. NEA Smart Money debit cards are typically received within 7 business days.


Your questions, answered