Coming Soon to iOS

Your checking account,
always invested.

Connect your existing checking account. SweepIQ maintains your target balance, helps you build an emergency fund, and automatically invests surplus funds in the ETF you choose — pulling funds back whenever you need them.

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How It Works

Set it once. It runs itself.

SweepIQ automates the movement of surplus between your checking account and your brokerage account, investing in the ETF you choose based on rules you define. You stay in control — SweepIQ just executes.

Connect your bank

Securely link your existing checking account via Plaid. No new account to open. Your credentials are never stored by SweepIQ.

Set your target balance

Tell SweepIQ how much to keep in checking. You choose the amount — we'll calculate a recommendation based on your spending history if you'd like.

It works both ways

Each week, surplus above your target gets invested in your chosen ETF automatically. If your balance dips below target, SweepIQ sells and transfers funds back to cover it.

The Story

"I spent over a decade in Treasury, implementing the same automated cash management strategy at the institutional level to help organizations put excess cash to work and generate more income. However, nothing like this exists for individuals, so I was always left having to do this manually for myself - logging into my bank and moving excess money from my checking account to my brokerage account every week for years. After a decade of doing this for companies and for myself, I saw the financial benefit of putting even a few excess dollars to work. So I built the tool I always wished existed - SweepIQ - and now it handles all this automatically."

Scott

Founder, SweepIQ · Treasury Professional

Features

Everything you need. Nothing you don't.

Works with your existing bank

No new checking account to open. SweepIQ connects to your current bank via Plaid and works with what you already have.

Emergency fund first

SweepIQ fills your emergency fund target before routing anything to your brokerage account. Your safety net is always the priority.

Automatic investing, both ways

Surplus gets invested in your chosen ETF on your schedule. When your checking dips below target, SweepIQ sells and returns funds automatically.

You choose the ETF

SweepIQ invests in the ETF you select — VOO, QQQ, VTI, or any ETF available through Alpaca Securities. The investment decision is always yours.

No percentage fees.

A flat monthly fee means we never take a cut of what you invest. Simple, transparent pricing.

Full visibility

Every transfer logged in a clean mobile dashboard. See exactly what moved, when, and why.

Early Access