Skip to content
Online Banking|
Search 605-334-2471
    Online Banking
    Triangles

    EasyVest

    You deserve a quick, secure investment advisor platform with the institution you know and trust. EasyVest® is perfect for growing wealth for generations.

    LOGIN TO ONLINE BANKING ︎

    Grow Your Wealth

    EasyVest is an easy-to-use, effective solution for members with all levels of investing experience.

    How does it work?

    We understand that investing can be overwhelming for our members of all experience levels. That is why we've incorporated the first robo-advisor tool that directly integrates with your online and mobile banking. As individuals move away from traditional investing in favor of automated solutions, Levo offers this platform to our members as just another perk. This program was developed with Access Softek Advisory Services, LLC and DriveWealth, LLC to provide you with a simple yet secure way to build your wealth.

    Overview

    • $200 minimum to open investment account.

    • There is an account management fee charged.  It is based on a percentage (0.6% per year, charged in quarterly increments) of the average balance of your investments. This fee is subject to a minimum fee of $0.50 per month.

    • Only available to Levo CU members via Online and Mobile Banking.

    • Only the primary account holder can open an EasyVest account.

    • Not available on business or trust accounts.

    Home_Preapproval_Icon

    Start with just $200

    Say goodbye to high minimums for opening deposits. With EasyVest, open an account with as little as $200
    Home_Blue_Icon

    Automated management

    EasyVest takes the legwork out of investment decisions. Your portfolio is continuously being analyzed and rebalanced based on real data, and you can find it all on your phone.
    Home_Rates_Icon-1

    Recommendations for you

    Answer a few basic questions about yourself so EasyVest can better understand your financial goals. From there, you will get investment options  tailored for you.

    Investing Made Easy

    Recurring Transfers

    What's the best way to make sure that you are setting enough aside for your investment goals? Automate it. You can set up recurring transfers from your account right into your EasyVest portfolio.

    Get Set Up in Minutes

    Getting started is easy. Follow the below steps in order to start investing today:

    1. Become a Levo member: Join Now
    2. Login to Online Banking (Levo: Online Banking (levo.org))
    3. Accounts > EasyVest
    4. Select Member Account (if you have more than one membership account with Levo)
    5. Follow steps to setup either:
      1. Investment Account
      2. Retirement Account
      3. Joint Account
    6. Answer questions regarding plans/use for funds, and aggressiveness tolerance
    7. Choose funding source
    8. Accept Terms & Conditions
    9. Finish
    Easily Access Your Account From Online Banking

    Once you have set up your account, accessing your portfolio is simple:

    1. Login to Online Banking (Levo: Online Banking (levo.org))
    2. Accounts > EasyVest
    3. Select Member Account (if you have more than one membership account with Levo)
    4. EasyVest dashboard will populate within the Online Banking platform
    Easily Access Your Account From Our Mobile App

    Once you have set up your account, accessing your portfolio from the Levo Mobile Banking App is easy:

    1. Login to the Levo Mobile Banking App
    2. Select the menu icon in the top corner of app
    3. Select EasyVest
    4. Your EasyVest dashboard will populate within the app

    EasyVest FAQs - General

    The minimum initial deposit required is $200. Once you open your account, you must maintain a balance of at least $200.

    There is an account management fee of 0.6% per year (charged monthly) of the value of your investments. The fee is a subject to a minimum of $.50 per month.

    • Note: Levo CU receives a share of the advisory fee equal to 0.1% of the value of the account per year; Access Softek Advisory Services’ share is 0.5% of the value of the account per year.

    With any investment, there is a risk that you may lose your investment. Should the market value of your account decline, your account may lose value. However, portfolios managed within an EasyVest account are rebalanced monthly to maintain the level of risk that aligns with a member's goals.

    You may email a client service specialist at InvestSupport@AccessSoftek.com.

    Only the primary account holder may open an EasyVest account.

    Contact information for your investment account is automatically pulled from your online/mobile banking account. Any time you make an update to your contact information inside digital banking, that information will automatically sync with your investment account the next time that you open the investment portal. If you ever have issues with the contact information on your account, you can contact support at investsupport@accesssoftek.com.

    EasyVest FAQs - Managing Your Portfolio

    Please log in to your online account. In the navigation bar, find the Accounts tab. Select the Investment Portfolio tab under Accounts. From there you can see Portfolio Overview, Transactions, eStatements, and Settings pages for you to track your investment account.

    Please go to Portfolio Overview page, where you can find Portfolio Balance, Portfolio Performance, Total Earnings, and Holdings Details. Please note that we allocate around 3% cash reserve in your portfolio for fee collection and general liquidity purposes. When we calculate the total gains for you, this 3% cash reserve is also included.

    All documents are available online. Please go to the Transactions page where you can view these forms.

    Please go to Settings page, and click the Show My Account Number button.

    We offer a variety of different portfolio composed of lower-cost, broad index, passive Exchange Traded Funds (ETFs). We currently use BlackRock iShares passive ETFs. Portfolios contain between 4 and 10 broadly-diversified Index ETFs. Each portfolio is diversified to reflect the client’s individual time horizon, risk tolerance and investment objectives. The longer your time horizon and the greater your risk tolerance, the more likely your portfolio will contain a broader selection of domestic and international stock and bond ETFs.

    You can switch your portfolio by updating your profile. Please go to Settings page and click the Update preferences button to update your preferred risk tolerance and time horizon. We will provide a new portfolio suggestion after we receive your updated profile.

    You can open as many investment accounts with us as you like. This means you could save for a down payment, your child’s education, and your retirement all at the same time.

    Yes! Please enter the email address for the joint user when you start the investment account opening process. Our system will send out the invite to the user. After the application is complete, you will both enjoy joint access to this investment account.

    As of December 2021, Company, partnership and LLC accounts are not available. We value your feedback and may be able to offer this in the future based on our customers’ needs.

    We are currently in the process of rolling out Custodial Account availability. We hope to make Custodial Accounts available in early 2022. This will allow you to open an investment account on behalf of a minor. Custodial Accounts are a great way to help the younger generation save money and learn about investing.

    EasyVest FAQs - Transfers & Withdrawals

    Yes, you can set up an automatically-recurring transfer. Our maximum recurring transfer amount is $5,000. Funding frequency options for recurring transfer are:

    • Every 2nd Monday of a month
    • 15th of every month
    • First day of a month
    • Daily (every business day)
    • At the beginning of each calendar quarter

    Yes, you can transfer or withdraw funds. There may be a delay due to federal guidelines. See our other question & answer about limits on withdrawals and transfers for more information! 

    We charge $0.25 for each withdrawal and there are no limits on the number of times you can withdraw. There is an ACH transfer limit of $110,000 per transfer.

    You can withdraw the funds in your investment account by opening the investment portal and navigating to the Transfers & History tab.  It can take 3 to 5 business days for the transactions to be fully processed due to the time required to buy or sell the securities and move the money to or from your checking or savings account, which happens via Automated Clearing House transfer. Your account will typically be required to sell securities to fund a withdrawal.  A sale of securities will likely result in taxable gain or loss for you. You should consult with your own tax advisers before deciding to withdraw funds from your account.

    If you make significant withdrawals from your investment account before the estimated time horizon you provided during account creation, your account may not perform as intended.  An early withdrawal may result in a loss of principal or subpar performance. The larger the time differential from your stated time horizon, the greater the likelihood of loss or underperformance might be.

    All deposits into the investment account have a 30-day hold to comply with anti-money laundering regulations. After this 30-day hold expires, you may withdraw some or all of your funds at any time. It can take 3 to 5 business days for the funds to appear back in your checking/savings account.

    The Automated Customer Account Transfer service, or ACAT, automates transfers of assets and cash between brokerage firms. Generally, an ACAT transfer is faster and more convenient than other types of transfers. All the assets will be transferred in-kind, liquidated once received and reinvested into target portfolio.

    All the assets will be transferred in-kind, liquidated once received, and reinvested into target portfolio. Thus, there could be tax consequences for this action. Please note that if you transfer assets that our broker does not support, your transfer will fail. You may find the list of supported instruments here https://help.drivewealth.com/article/14-drivewealths-product-list. Once you submit the request, it may take up to 2 to 3 weeks before it gets fulfilled. To help us start working on your request, please provide your institution Depository Trust Company (DTC) number and carrying account number.

    For new investors, please start to transfer assets in Transfer Funds page (Step 9 of 11). Click “I would like to transfer my assets to EasyVest” and set up your transfer by providing your Depository Trust Company (DTC) number of the organization and source account number. For investors who currently have an investment account with us, please click Investment on the navigation menu and go to Transfer Funds page. Select the portfolio you wish to transfer and set up your transfer by providing us the DTC number of the organization and Source account number. We will ask you a few questions about your current firm, so it helps to have a statement handy.


    EasyVest is a micro-investing solution powered by Access Softek, Inc. Brokerage services are offered through DriveWealth LLC, a registered broker-dealer (member FINRA/SIPC). Levo Credit Union is not registered as a broker-dealer. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Access Softek’s internet-based services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client’s financial situation and do not incorporate specific investments that clients hold elsewhere.

    Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed
    Not Credit Union Deposits or Obligations May Lose Value

     

    NEWSLETTER SIGNUP

    Download Our Mobile App
    Apple App Store
    Google Play Store
    National Credit Union Association
    Equal Housing Lender

    Triangles

    Routing Number: 291479974

    NMLS: 441310

    If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-800-568-5711 for assistance. All products and services available on this website are available at all Levo Credit Union branch locations.

    © 2014-2024 Levo Credit Union