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Open your account now

You can get your emergency fund started in no time.

Step 1: Select your account type

If the emergency fund is just for you, choose an individual account.

If someone else—like a spouse—needs access to the account, choose a joint account.

Step 2: Choose your investment

If you're still undecided about which money market fund to choose, check out this table to help select the best fund for your short-term investment needs. It compares important details like investment strategy, investment minimum, expense ratio, 7-day yield, checkwriting capabilities, and more.

Note: In addition to the money market fund you select for your emergency cash, all new accounts will include Vanguard Federal Money Market Fund* as the settlement fund.

This fund is used to pay for and receive proceeds from brokerage transactions, including Vanguard ETFs®, and other account activity.

We'll set up this fund with a zero balance, and you'll need to put money into it to pay for any buy orders you place.

Step 3: Open your account online

If you want to open your account with an electronic transfer from your bank, you'll need your bank routing and account numbers, which you can find on your checks.

If you don't set up your bank information when you open the account, remember to come back and link your accounts later. That way, you'll be able to get your money quickly when you need it!

Start your emergency fund

We're here to help

Talk with one of our investment professionals.

Call 800-841-3999

Monday through Friday
8 a.m. to 8 p.m., Eastern time



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Settlement fund

This money market mutual fund holds the money you use to buy securities, as well as the proceeds whenever you sell.