Deposits · August 2026
Wealthfront publishes its cash rate while its application page loads empty
An AI agent ran five ordinary deposits tasks on the public pages of Wealthfront and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Fintech
71/100
Mystery Agent score
Deposits · rank 6 of 25
Savings rate
92Served as text
Checking comparison
78Served as text
Fee schedule
85Served as PDF
Routing number
80Served as PDF
Application page
18Arrives after scripts
Summary
- Wealthfront states its cash account rate as plain, dated text one click from the homepage navigation.
- An agent found the fee schedule and routing numbers 096017418 and 124303214 in one public deposit agreement PDF.
- Rendering the account-opening page with server-side text would give an agent real content to read before applying.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Savings rateServed as text92 out of 100
The cash account page states a base rate of 3.30% APY, dated as of 01/30/2026, with the potential to earn up to 4.20% APY, and the joint account page states the same 3.30% APY figure.
Task 02Checking comparisonServed as text78 out of 100
Wealthfront maps its single Cash Account into Individual and Joint variants, both carrying zero account fees, with the Joint account offering FDIC coverage up to $16M compared with $8M for the Individual account.
Task 03Fee scheduleServed as PDF85 out of 100
A public deposit account agreement PDF lists a $0 monthly maintenance fee, a $2.50 out-of-network ATM withdrawal fee, a cash deposit fee of up to $5.95, and a 2.75% foreign transaction fee, all as clean text.
Task 04Routing numberServed as PDF80 out of 100
The same deposit agreement PDF names two ACH routing numbers, 096017418 and 124303214, in a sentence about which numbers Green Dot Bank recognizes for a transaction.
Task 05Application pageArrives after scripts18 out of 100
The application page serves 11,624 bytes that strip down to 149 visible characters of footer navigation, with the account-opening interface built entirely with client-side script after that shell loads.
The legal hub links openly to a real signed deposit agreement that a plain fetch can read in full.
The application page
What the account opening page states to a reader that runs no scripts.
11,624Bytes delivered
149Characters of visible text
0Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- The savings rate is published as clear, dated plain text on the very first click from the homepage nav, with no script rendering required to read it.
- The legal hub at /legal links openly to real signed agreements, including a Green Dot Bank deposit agreement PDF that a plain curl and pdftotext can read in full, yielding both the fee schedule and the ACH routing numbers from one public document.
- robots.txt is short, readable, and permissive, disallowing only login and invite pages, which shows a light touch toward automated readers on the main domain.
Opportunities
- Publish an llms.txt file. Right now an agent gets a 404 and has to fall back to normal crawling to find the cash account, fee, and routing details.
- Give the routing number and fee schedule their own labeled HTML page or FAQ entry. Today both live inside an eight-page legal PDF meant for account holders, which works but is not where a deposit-shopping agent would expect to look first.
- Render thethe application path application application page with server-side text, even a short summary of what is needed to open an account (ID, SSN, funding source, minimum age). Right now the delivered HTML has zero visible application content and zero form fields, so an agent reading raw HTML learns nothing about the account-opening requirements.
- Allow agent user agents to reach support.wealthfront.com. The Interest Rate for Cash Accounts and a second help article are both linked from the cash page but returned 403 on every attempt, a closed door right next to two open ones.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
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