Treasury

Invest in high yield treasury bills and money market funds

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Every lets your company invest in U.S. Treasury Bills via an Every Securities LLC account at BNY Pershing.

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Up to 4.3% APR1 on your deposits with US Treasuries

Every.io is a financial technology company, not a bank. Banking services are provided by Thread Bank, Member FDIC.

  • U.S. Treasury

    • 100% U.S. government-backed

    • Up to 4.3% APR1

    • 1, 3, and 6-month Treasury bills

  • Money Market Fund

    • Up to 4.3% APR1

    • Vanguard Money Market Fund (VUSXX)

    • $500K FDIC insurance

  • Cash Sweep Program

    • Up to max $5M FDIC Insurance3

  • new feature
    Maximize yield with Treasury Autopilot

    Treasury Autopilot helps maximize treasury yields by automatically purchasing treasuries with a balance check and transfer from your primary Every checking account.

  • Earn up to 4.3% APR with US Treasuries

    We help maximize yield and keep your cash safe at the same time. US Treasury securities are considered one of the safest investments because they are backed by the full faith and credit of the U.S. Government.

    Most Boards require all cash to be covered by FDIC, SPIC or invested in US Treasuries.

  • Build a bond ladder –
    ‍in one click

    Create a U.S. Treasury bond ladder that maximizes interest rates while ensuring you always have 6 months of working capital in liquid assets.

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Disclaimers

*Every is not a bank. Banking services provided by Thread Bank, Member FDIC. The Every Visa Business Debit Card is issued by Thread Bank, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.


For Every customers with deposit accounts on Thread Bank, your deposits qualify for up to a maximum of $2,500,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at go.thread.bank/sweepdisclosure and a list of program banks at go.thread.bank/programbanks. Please contact customerservice@thread.bank with questions on the sweep program.”

**Terms and conditions apply to the Cashback rewards program. Cashback earned will be credited to your account daily. ATM transactions, the purchase of money orders or cash equivalents, and account funding made with your debit card are not eligible for Cashback. Please refer to the Rewards Terms and Conditions for more details. No minimum opening deposit or minimum balance required.


***Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program athttps://go.thread.banks/seepdisclosure and a list of program banks at https://go.thread.bank/programbanks. Please contact customerservice@thread.bank with questions regarding the sweep program.


[1] Yield is an annualized 4-week T-bill rate when held to maturity as of [04/16/25] [date must be within the last 7 days] . The rate shown is subject to price fluctuation and is net of fees. T-bills are purchased at a discount to par (par= $1,000), with the price being subject to market fluctuation. The amount of T-Bills available at a particular yield will depend upon the sellers’ offer size; any remaining cash balance after the purchase may not earn the same yield. In general the bond market is volatile, and fixed income securities carry interest rate risk. Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income securities also carry other risks, including inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties.

[2] Yield as of [04/16/25]. The SEC yield for a money market fund is calculated by annualizing its daily income distributions for the previous 7 days. You should consider the investment objectives, risks, charges, and expenses of a money market fund carefully before investing. This and other information is found in the fund’s prospectus. Please read the prospectus before investing. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund. Yields fluctuate and past performance is no guarantee of future results. 

[3] Atomic Invest LLC (“Atomic”), through a clearing relationship with Pershing LLC (“Pershing”) offers a cash sweep program. Funds in transit to or from Program Banks are generally not FDIC-insured. The Sweep Program is administered by Pershing, LLC. Deposits at each Program Bank are insured by the FDIC up to $250,000 for each insurable capacity. Based on eligibility criteria, the two FDIC-insured programs (“Bank Deposit Programs”) offered are 1) Dreyfus Insured Deposits (DIDI) and 2) Liquid Insured Deposits. Funds deposited into each sweep program, in aggregate, are eligible for up to $2,500,000 of FDIC insurance. The sweep programs can be configured so that once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity at up to ten Program Banks), then the next Bank Deposit Program is initiated. Although certain types of accounts, such as trust accounts may be eligible for additional FDIC insurance based on the number of beneficiaries, funds will be allocated to each Program Bank in such a way that provides up to $250,000 of FDIC insurance for individual accounts and $250,000 of FDIC insurance for trust and other corporate account types, in each case per Program Bank. If clients elect to exclude one or more Program Banks from receiving deposits the amount of FDIC insurance available through the Atomic Invest account may be lower. Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of the Atomic Invest account, to ensure FDIC insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit www.FDIC.gov. Deposits held in Program Banks are not protected by SIPC. For more information see Pershing’s Terms and Conditions and the Every Securities LLC Form ADV Part 2A.

Every has an engagement with Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser to bring you the opportunity to open an investment advisory account. For accounts where the client has not signed the Every Securities LLC Investment Advisory Agreement, investment advisory services are provided by Atomic. For accounts where the client has signed the Every Securities LLC Investment Advisory Agreement, investment advisory services are provided by Every Securities LLC and sub-advisory services may be provided by Atomic. Companies which are engaged by Atomic receive compensation of 0% to 0.85% annualized, payable monthly, based upon assets under management for each referred client who establishes an account with Atomic (i.e., exact payment will differ), which creates a conflict of interest.

Brokerage services for Atomic are provided by Pershing Advisor Solutions LLC, a registered broker-dealer and member of FINRA and SIPC. Brokerage services for Every Securities LLC are provided by Atomic Brokerage LLC, a registered broker-dealer and member of FINRA and SIPC. For more details about Atomic Brokerage, please see the Form CRS and General Disclosures. Check the background and custodial/clearing services of Pershing Advisor Solutions LLC and Atomic Brokerage on FINRA’s BrokerCheck.

Neither Atomic nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. Advisory services through Every Securities LLC and Atomic are designed to assist clients in achieving a favorable outcome in their investment portfolio. They are not intended to provide tax advice or financial planning with respect to every aspect of a client’s financial situation and do not include investments that clients may hold outside of Every Securities LLC and Atomic. For more details about Every Securities LLC, please see their Form ADV Part 2A and Privacy Policy. For more details about Atomic, please see their Form CRS, Form ADV Part 2A, Privacy Policy, and General Disclosures.

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