One Year Free

Every fee, in one place

Here’s everything you could pay with UNest, so nothing catches you off guard.

Membership fee

$2 a month per child account, plus 0.25% a year based on the account’s average daily balance. Both are charged monthly, after the month ends, and come out of the investment account. For example, an account averaging $10,000 pays about $4.08 for the month.

First year free

Your first $300 invested is fee-free for 12 months. Fees start after 12 months, or sooner if your balance reaches $300.

Withdrawals

There’s no fee to take money out. Under UTMA rules, withdrawals have to be used for your child’s benefit.

Closing an account

If you close an account before your child reaches the age of majority, a $25 account termination fee comes out of the remaining balance. There’s no termination fee once your child reaches that age, and none on legacy plans.

Small balances

Accounts with less than $25 and no active membership may be charged an account maintenance fee of up to $25.

Not included

Fund expenses (the expense ratios of the ETFs in your portfolio), charges from your own bank such as wire fees, and any fees from our clearing firm, Apex Clearing, are separate from the membership fee.

Legacy plans

If you signed up before November 20, 2025, you’re on a legacy plan with different pricing. That includes any child accounts you add later. Questions about your plan? Reach out to support.

Fee changes

We’ll give you at least 30 days’ written notice before we change these fees. Your Advisory Agreement and our Form ADV brochure have the full terms.

Last updated October 21, 2026