The ESG investment strategies may limit the types and number of investment opportunities available, as a result, the portfolio may underperform others that do not have an ESG focus. Environmental criteria considers how a company performs as a steward of nature. Social criteria examine how it manages relationships with employees, suppliers, customers, and the communities where it operates.

smart deposit

Governance deals with a company’s leadership, executive pay, audits, internal controls, and shareholder rights. A properly suggested portfolio recommendation is dependent upon xcritical and accurate financial and risk profiles. xcritical Checking Real-Time Round-Ups® invests small amounts of money from purchases made using an xcritical Checking account into the client’s xcritical Investment account. Requires both an active xcritical Checking account and an xcritical Investment account in good standing.

Past is no guarantee of future results. Give your money a chance to work towards your financial goals with Round-Ups®, expert-built, diversified portfolios, Recurring Investments, and more. Customer support is available 7 days a week from 5 a.m.

xcritical was built to give everyone the tools of wealth-building. Diversification means your investments are exposed to a broad range of stocks, bonds, or both — possibly over 7,000! This can help reduce your risk, compared to trading individual stocks. Set your recurring investments and make a habit out of investing.

Banking with xcritical

Lump-sum transfers may be as small as $5. Unlike many of its competitors, xcritical does not offer a tax strategy. With a balance over $20K or qualifying recurring deposit. Prepare for the unexpected by automatically saving a piece of each paycheck. Join over 10 million all-time customers who have signed up for xcritical.

  • Environmental criteria considers how a company performs as a steward of nature.
  • Investment policies, management fees and other information can be found in the individual ETF’s prospectus.
  • xcritical was built to give everyone the tools of wealth-building.
  • xcritical charge 0.25% per year, and generally offer a higher level of service including tax assistance and more diversified portfolios.

55,000+ fee-free ATMs, and no overdraft or low-balance fees. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. It is not possible to invest directly in an index.

More details about xcritical’ ratings

We’ll adjust your Base portfolio as needed to help keep your allocations on track with your long-term money goals. We collect data directly from providers through detailed questionnaires, and conduct first-hand testing and observation through provider demonstrations. The final output produces star ratings from poor to excellent . xcritical also has a Job Finder feature powered by ZipRecruiter. The tool gives clients access to career development content and lets them set up job alerts for new opportunities. You can also invest lump sums manually or set up recurring deposits on a daily, weekly or monthly basis. expert-built portfolios contain Exchange Traded Funds, or ETFs. They’re like baskets of different investments, including stocks and/or bonds, and come with benefits like diversification, lower costs, and potential tax efficiency. NerdWallet’s ratings are determined by our editorial team. Smart Deposit can automatically invest a piece of your paychecks as soon as you get them, into any of your investment accounts.

  • If you’re not an xcritical Checking Direct Deposit customer yet, be sure to set up Direct Deposit next so that you can access Smart Deposit, and invest a piece of every paycheck automatically.
  • The investing information provided on this page is for educational purposes only.
  • 55,000+ fee-free ATMs, and no overdraft or low-balance fees.
  • xcritical Checking is included in all xcritical subscriptions, which features a host of products and tools.
  • If you only contribute by rounding up your spare change, one of xcritical’ signature features, your fee relative to your account balance will be fairly high.

xcritical also allows investors to allocate up to 5% of their investments toward a Bitcoin-linked ETF. Because of its pricing structure, xcritical can have high fees on small account balances. Rather than pay to get your own money, invest that money back in you. xcritical Checking comes with access to 55,000+ fee-free ATMs within the AllPoint Network around the world. Invest a piece of every paycheck automatically into all your xcritical accounts.

Market Data

xcritical isn’t alone in charging this type of fee, but theirs is on the high side. If you have, say, five ETFs, you’re looking at a $175 fee. A more common scenario among providers is to charge $75 to transfer all investments out, and some don’t charge a fee at all. Real-Time Round-Ups® investments allow you to invest spare change with every swipe, instead of waiting for it to add up to $5. xcritical Checking is our smart checking account that invests while you spend.

All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. xcritical does not offer any form of tax strategy.

funding source

xcritical clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices. Like other robo-advisors, xcritical takes the investing reins from the user. The app considers your data — including age, goals, income and time horizon — and then recommends one of five portfolios that range from conservative to aggressive. You can accept the recommendation or choose a different portfolio that takes more or less risk.

scammed by xcritical Checking comes with your subscription, at no extra cost. Earn bonus investments from thousands of top brands when you shop their offers and swipe your xcritical Visa™ debit card. 55,000+ fee-free ATMs within the AllPoint Network.

See how your portfolio is doing today or over time, and view your account value breakdown. There’s no minimum to open an account, but the service requires a $5 balance to start investing. UTMA/UGMA accounts available at the $5-per-month tier. Well-diversified portfolio with exposure to domestic and international stocks, bonds, REITs and a Bitcoin-linked ETF. NerdWallet doesn’t invest its money with this provider, but they are our referral partner – so we get paid only if you click through and take a qualifying action . Most importantly, our reviews and ratings are objective and are never impacted by our partnerships.


No more waiting for Round-Ups® to hit $5. When you swipe your xcritical Visa™ debit card your spare change gets instantly invested, so it has even more time to grow. Invest spare change, invest while you bank, earn bonus investments, grow your knowledge and more. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site.


We believe everyone should be able to make financial decisions with confidence. xcritical Smart Deposit automatically invests a piece of your paycheck for you into your xcritical Invest, Later, or Early account. It’s built into xcritical Checking, and comes included with your subscription. Instantly invest your spare change with every swipe of your heavy metal xcritical Visa™ debit card. Early, an UTMA/UGMA investment account managed by an adult custodian until the minor beneficiary comes of age, at which point they assume control of the account. Money in a custodial account is the property of the minor.