★ A CURATED DIRECTORY OF FINANCIAL TOOLS AND RESOURCES ★
VOL. XCIV, NO. 247
Public.com Review, Pricing, and Features
Public.com
Public combines self-directed stocks, ETFs, bonds, and options with recurring Investment Plans and optional Premium access. Regular-hours U.S.-listed equity trades carry $0 commission, while extended-hours, OTC, plan, transfer, and regulatory fees still matter. Its High-Yield Cash Account is a separate secondary brokerage account, not ordinary free cash or a savings account.
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Pricing
Key fees from the official fee schedule
Source-checked · Jul 17, 2026High-Yield Cash AccountHigh-Yield Cash
U.S.-listed stocks and ETFs in regular hoursPrimary brokerage
Stock and ETF optionsPrimary brokerage
Recurring stock and ETF Investment Plan purchasePrimary brokerage
Outgoing ACATS transferPrimary brokerage
Primary brokerage free credit balances earn no interest. The High-Yield Cash Account is a distinct secondary brokerage account with an Apex partner-bank sweep, not a savings account. This profile covers Public Investing self-directed brokerage and its HYCA subaccount. Crypto uses Zero Hash, 6-month Treasury bills use Jiko, and Direct Indexing or Generated Assets can involve advisory arrangements with separate terms. See the Public fee schedule for your country.
Key features
- Regular-hours U.S.-listed stock and ETF trades with $0 stated commission.
- Listed stock and ETF options with no base commission or standard contract fee.
- Eligible stock and ETF fractions from $5, with security and transfer limitations.
- Cash or margin brokerage plus Traditional and Roth IRA registrations.
- Recurring Investment Plans spanning up to 20 stock and ETF symbols per purchase.
- Separate High-Yield Cash Account with a variable 3.30% APY bank sweep.
- U.S. brokerage, IRA, HYCA, and applicable Puerto Rico tax documents.
Broker details
Account and availability
Available in 1 countryPrimary brokerage
Available in 1 countryHigh-Yield Cash
AccountPrimary brokerage
Individual cash or margin brokerage, Traditional and Roth IRA · USD base currency · No opening minimum stated on the reviewed official account page
AccountHigh-Yield Cash
Secondary cash-only brokerage account with bank sweep · USD base currency · $0 opening minimum
Cash and trading
Interest on uninvested cashPrimary brokerage
0% on free credit balances
Interest on uninvested cashHigh-Yield Cash
3.30% variable APY
Deposits
Standard ACH $0
Same-owner ACH bank link, debit card where eligible, wire or internal Public transfer · ACH generally has a 3-business-day hold; larger deposits can take longer
Withdrawals
ACH $0; instant fee shown before confirmation
Standard ACH or eligible instant withdrawal · Standard ACH generally 3–5 business days
Fractional sharesPrimary brokerage
Limited availability
Eligible U.S. stocks and ETFs · $5 buy or sell minimum, or sell the full remaining position
Fractional sharesHigh-Yield Cash
Not available
Cash only · Not applicable
Tax support · United StatesPrimary brokerage
Country tax report provided
Tax support · United StatesHigh-Yield Cash
Country tax report provided
Regulation and protection
Open to the Public Investing, Inc.
SEC and FINRA; member SIPC · CRD 127818
Securities Investor Protection Corporation (SIPC) · $500,000, including a $250,000 cash limit
Covers missing eligible brokerage assets after Public or Apex insolvency, not market loss. Apex excess insurance is subject to a $150 million aggregate and customer sublimits.
High-Yield Cash Account FDIC bank sweep · Up to $5,000,000 total; $250,000 per partner bank
Coverage begins after cash reaches partner banks and is aggregated with same-capacity deposits at each bank. Unswept cash remains subject to SIPC instead.
Source-checked · Reviewed Jul 17, 2026 · Official sources: Open to the Public Investing broker report, Public brokerage account types, High-Yield Cash Account terms, Who can create an account, Public fee schedule, Public SIPC FAQ, Public High-Yield Cash Account, Public deposit and withdrawal limits, Fractional shares on Public, Public tax document schedule
FAQ
Is Public.com free?
Public.com should not be treated as free software. Brokerage access may have no monthly charge, but transaction, FX, market-data, custody, transfer, product, or spread costs can apply depending on the offer and jurisdiction. Check the broker details and official fee schedule.
Who is Public.com best for?
It suits beginner, intermediate, and advanced users.
What platforms and connections does Public.com support?
You can use Public.com on Web and Mobile.
Which markets does Public.com cover?
Public.com covers North America. It tracks Stocks, ETFs, Options, and Bonds. Identifiers include Ticker and CUSIP.
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