Important upcoming deadlines: UMB account and routing numbers, 2025 extended tax deadline
Sharing two important upcoming dates that might be relevant for you.
**October 1, 2026**: Update any transactions using your previous Green Dot account and routing numbers
**What’s happening:** Earlier this year we transitioned Individual Cash Accounts from Green Dot to UMB as our partner bank for account and routing numbers.
**What you should do:** If you haven’t updated your previous Green Dot account and routing numbers to your new UMB details, please update your external payment or deposit information on your other institution's platform before Thursday, October 1, 2026, to avoid any potential interruptions with bill payments or direct deposits. This includes transfers made through third party brokers (like Fidelity) and third party payment apps (like Venmo), autopays set up with credit card providers (like Chase), as well as Social Security and tax payments where you linked Wealthfront using the old Green Dot account and routing numbers.
To help make this process easier, we're keeping track of the transactions that might need your attention. Log into Wealthfront to see a full list of where you've used your previous payment info, along with your current info for reference.
As a reminder, this is a one-time change that allows us to upgrade our system and provide new features (like unlimited direct deposits, higher limits for bill pay for most clients, and the ability to receive optional push notifications for bill pay). We appreciate your patience in navigating this change, and are excited about how this allows us to improve your experience. Please see [Updates to your Individual Cash Account’s account and routing numbers](https://support.wealthfront.com/hc/en-us/articles/47301849094676-Updates-to-your-Individual-Cash-Account-s-account-and-routing-numbers) for more information.
**October 15, 2026**: 2025 Extended Tax Filing Deadline
**What’s happening:** If you’re self-employed and your business filed a 2025 tax extension, you generally have until October 15, 2026, to establish a SEP IRA for 2025. All 2025 contributions must be deposited by the same date to be considered deductible for the year.
**What you should do:** If you'd like to set up a SEP IRA, please see the [IRS website](https://www.irs.gov/retirement-plans/plan-sponsor/simplified-employee-pension-plan-sep) for steps on how to do so. Once set up, calculate how much you can contribute to your SEP IRA and make a contribution if interested.
From the [IRS website](https://www.irs.gov/retirement-plans/plan-participant-employee/sep-contribution-limits-including-grandfathered-sarseps): The contributions an employer can make to an employee's SEP-IRA cannot exceed the lesser of:
* 25% of the employee's compensation, or * $70,000 for 2025
As a reminder, SEP IRA contributions are a little different from Traditional and Roth IRA contributions. SEP IRA contributions are automatically reported as a contribution for the calendar year in which they are made (so 2026 for 2026). We aren't able to designate the contribution for any other year than that when they're received. However, that doesn't necessarily mean you have to file your taxes that way. Please work with a licensed tax professional in filing your taxes.
We hope these reminders help. Feel free to reply to this thread if you have any general questions. For specific questions about your account, please email us at [[email protected]](mailto:[email protected]).
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