Important Disclosures

1. Acorns is not a bank. Acorns Visa™ debit cards and banking services are issued by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from within the AllPoint Network ATMs.  Please see your Acorns Subscription Center or Account Statements for a description of the fees you pay to Acorns for its services. Any balances you hold with Lincoln Savings Bank or nbkc bank, including but not limited to those balances held in Acorns Checking accounts are added together and are insured up to $250,000 per depositor through Lincoln Savings Bank or nbkc bank, Members FDIC. Acorns Checking is not FDIC-insured. FDIC insurance only covers the failure of an insured bank. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. Lincoln Savings Bank or nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Acorns Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.

2. Early Payday depends on the timing of the submission of the payment file from the payer and fraud prevention restrictions. Funds are generally available on the day the payment file is received, up to 2 days earlier than the scheduled payment date. Timing may vary. 

3. As compared to the national average checking and savings interest rates as noted by the FDIC as of 03/16/2026. The Mighty Oak Card APY is current as of 12/11/2025. Interest rates are subject to change. No minimum balance required.

4. As of December 11, 2025, Mighty Oak Checking Annual Percentage Yield (APY) is 2.18% and all Emergency Savings APY is 3.35%. APY is variable and subject to change at our discretion, without prior notice. No minimum opening deposit or minimum balance required. Acorns is not a bank. Mighty Oak and Emergency Savings banking services provided by, and Mighty Oak Debit Cards issued and provided by nbkc bank, Member FDIC, to Acorns Checking account holders that are U.S. residents over the age of eighteen (18). 

II. Investment Products (Acorns Invest, Acorns Later, and Acorns Early Invest)

II.A. Products & Portfolios

5. A properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles. Clients who have experienced changes to their goals, financial circumstances, or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the Acorns app or through the website.

6. The ETFs comprising the portfolios charge fees and expenses that will reduce a client’s return. Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. Investment policies, management fees and other information can be found in the individual ETF’s prospectus. Please read each prospectus carefully before investing.

7. Acorns does not provide access to invest directly in Bitcoin. Bitcoin exposure is provided through the ETF BITO, which invests in Bitcoin futures. This is considered a high-risk investment given the speculative and volatile nature. Investments in Bitcoin ETFs may not be appropriate for all investors and should only be utilized by those who understand and accept those risks. Investors seeking direct exposure to the price of bitcoin should consider a different investment. 

8. The ESG (Environmental, social, and governance) investment strategies may limit the types and number of investment opportunities available, as a result, the portfolio may underperform others that do not have an ESG focus. Companies selected for inclusion in the portfolio may not exhibit positive or favorable ESG characteristics at all times and may shift into and out of favor depending on market and economic conditions. Environmental criteria considers how a company performs as a steward of nature. Social criteria examine how it manages relationships with employees, suppliers, customers, and the communities where it operates. Governance deals with a company’s leadership, executive pay, audits, internal controls, and shareholder rights.

9. Invest, an individual investment account which invests in a portfolio of ETFs (exchange traded funds) recommended to clients based on their investment objectives, time horizon, and risk tolerance. 

10. Later, an Individual Retirement Account (either Traditional, Roth or SEP IRA) selected for client based on answers to a suitability questionnaire or as otherwise self-selected by the client. Please consult your tax advisor with any questions. Effective 3/25/2025, customers who open an Acorns Gold or Acorns Silver subscription plan or upgrades to an Acorns Gold or Silver subscription plan can opt into the Acorns Later Match feature and receive either a 3% or 1% IRA match, respectively, on new contributions made to an Acorns Later account during the first year subscribed to these subscription plans. New customers in these subscription plans are automatically eligible for the Later Match feature at the applicable 3% and 1% match rate on all contributions made during the first subscription year. All Later funds for customers must be held in an Acorns Later account for at least four years to keep the earned IRA match and all or a portion of IRA Match may be subject to recapture by Acorns if customer downgrades to a Subscription Plan with a lower monthly fee. See full terms and conditions. Terms and conditions applicable to those who opened an Acorns Gold or Acorns Silver subscription plan before 3/25/2025 and opted into Later Match are unchanged. For informational purposes only. This is solely intended to provide notification of an available product or service. This is not a recommendation to buy, sell, hold, or roll over any asset, adopt an investment strategy, or use a particular account type. This information does not consider the specific investment objectives, tax and financial conditions or particular needs of any specific person. Investors should discuss their specific situation with their financial professional. See full terms and conditions.

11. Custom Portfolios are non-discretionary investment advisory accounts, managed by the customer. Custom Portfolios are available only to Acorns Gold customers with an open Acorns Invest Account and are not available as a stand alone account. Custom portfolios are not instant trading. Clients wanting more control over order placement and execution may need to consider alternative investment platforms before adding a Custom portfolio account.

II.B. Round-Ups® & Automated Features

12. Round-Ups® investments are transferred from your linked funding source (checking account) to your Acorns Invest account, where the funds are invested into a portfolio of selected ETFs. If you do not maintain an adequate amount of funds in your funding source sufficient to cover your Round-Ups® investment, you could incur overdraft fees with your financial institution. Only purchases made with Round-Up accounts linked to your Acorns account with the feature activated are eligible for the Round-Ups® investment feature. Round-Up investments from your funding source will be processed when your Pending Round-Ups® investments reach or exceed $5. 

13. Acorns Checking Real-Time Round-Ups® invests small amounts of money from purchases made using an Acorns Checking account into the client’s Acorns Investment account. Requires both an active Acorns Checking account and an Acorns Investment account in good standing. Real-Time Round-Ups® investments accrue instantly for investment during the next trading window.

14. ‘Save and Invest’ refers to a client’s ability to utilize the Acorns Real-Time Round-Ups® investment feature to seamlessly invest small amounts of money from purchases using an Acorns investment account.

15. Automatic investing does not ensure a profit or protect against losses. It involves continuous investing regardless of fluctuating price levels.

16. Default splits among the accounts in Money Manager take into consideration your estimated income based on verified paycheck amounts deposited to your Acorns Checking Account. Milestone targets consider the income information provided by the customer during onboarding. Money Manager may not account for all market conditions or individual circumstances, may not be suitable for all individuals, and may not consider all factors relevant to your specific financial circumstances. You should carefully consider your unique financial situation, including factors such as your investment objective, time horizon, risk tolerance, tax implications, estate planning needs, and Acorns’ fees, prior to making any allocation decisions. Acorns’ Money Manager is not a financial planning service.

II.C. Acorns Early Invest (Custodial Accounts)

17. Acorns Early Invest, an UTMA/UGMA investment account managed by an adult custodian until the minor beneficiary comes of age, at which point they assume control of the account. Money in a custodial account is the property of the minor. Customers in the Acorns Gold Subscription Plan (through either the Acorns or Acorns Early App) are automatically eligible for a 1% "Early Invest Match" promotion on deposits by the Customer of up to $7,000 a year per Early Invest Account. All funds must be held in the applicable Acorns Early Invest Account for at least four years of the Early Invest Match deposit date or until the beneficiary reaches the applicable Age of Transfer, whichever is earlier. The Early Invest Match will be subject to recapture by Acorns if funds are withdrawn from the Early Invest Account during the four year period, up to the amount for which a 1% Early Invest Match was received. The Early Invest Match will also be subject to recapture if a customer downgrades to a Subscription Plan with a lower monthly fee within this period. See full terms and conditions.

II.D. General Market Risks, Definitions & Hypotheticals

18. It is not possible to invest directly in an index. Past performance is no guarantee of future results. 

19. Compounding is the process in which an asset’s earning from either capital gains or interest are reinvested to generate additional earnings over time. It does not ensure positive performance, nor does it protect against loss. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices. 

20. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.

21. The information contained on this website should not be considered an offer, solicitation of an offer or advice to buy or sell any security or investment product. The information should not be construed as tax or legal advice. Please consult your tax advisor with any questions.

22. The Potential hypothetical calculation is for illustrative purposes only and assumes an initial $15,000 investment and an 8% fixed annual rate of return with $5 daily contributions over a 45-year period. Your Potential is a tool which illustrates the power of compounding. Subject to factors: customer’s accounts, age & investment settings. Does not include Acorns’ monthly subscription fees (min $3/mo), which will reduce account returns over time, or other deposits or withdrawals. Results do not predict or represent the performance of any Acorns portfolio. Investment results will vary. No guarantee investment return will achieve 8% or any annual returns. Visit acorns.com for details.

23. The calculation is for illustrative purposes only and assumes an 8% fixed annual rate of return with $25 weekly contributions over a 10-year period. 8% annual return was selected as an arbitrary figure to show the potential of long-term investing and compound returns. Such results do not predict or represent the performance of any Acorns portfolio and do not take into consideration economic or market factors which can impact performance. Actual customers will achieve investment results materially different from those portrayed.

III. Acorns Early App

24. An Acorns Gold subscription includes products and services accessible through the separate Acorns Early App, subject to the Acorns Gold Acorns Early Benefit Waiver Terms. Acorns Early® is not a bank. All rights reserved. Acorns Early® cards are issued by (1) nbkc bank, Member FDIC, pursuant to license from Visa U.S.A. Inc. or (2) Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Cardholder Terms and limits apply. Monthly charges apply until cancelled – see Acorns.com/early for details. Additional Cardholder Terms and limits apply. Acorns Early office is located at Acorns Early, 5300 California Avenue, Irvine, CA 92617.

25. Reviews are solely applicable to the Acorns Early app, not any other Acorns product or service. Reviews are not representative of the experience of all customers and are not guarantees of future performance or success. For a larger representative sample, refer to Acorns Early reviews available online and on public review forums such as the Apple App Store and Google Play Store.

IV. Rewards, Partners & Fees

26. Acorns Earn provides subscribers access to shop with our partners and earn bonus investments into your Acorns Invest portfolios when purchasing items from the partner brands. Acorns Earn rewards investments are made by Acorns Grow, Incorporated into your Acorns Invest account.  Acorns receives compensation to promote or refer customers to Acorns Earn businesses for the purchase of non-investment consumer products or services. This type of promotional relationship incentivizes Acorns to refer customers to these businesses instead of businesses that have no relationship with Acorns. This affects the ability of Acorns to provide unbiased promotions and could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a customer than the products and/or services promoted by Acorns. Customers are not required to purchase any products and services Acorns promotes.

27. Amount earned and invested through Acorns Earn since inception as of 07/31/2025.

28. Acorns Subscription Fees are assessed based on the plan of services in which you are enrolled. Managed accounts with greater than $0 as of the subscription fee date are subject to a $0.10 advisory fee, paid in arrears and allocated to Acorns Advisers by Acorns Grow from the Subscription Fee. The total Subscription Fee will be the same regardless of whether an advisory fee is charged. For more information, please review the program agreement at https://www.acorns.com/program-agreement/.

29. Acorns may receive compensation in connection with certain promotions in which Acorns refers clients to such partners for the purchase of non-investment consumer products or services. This type of marketing relationship gives Acorns an incentive to refer clients to certain businesses instead of to businesses that have no relationship with Acorns. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of such businesses. This could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a client. Subscribers are not required to purchase the products and services of any business Acorns promotes.

30. Acorns reserves the right to restrict or revoke any and all offers at any time.

31. On August 21, 2024, Acorns changed the names of its Subscription Plans from "Personal," "Personal Plus," and "Premium" to "Bronze," "Silver," and "Gold." No other changes were made to the Subscription Plans at that time.

32. Tax preparation services provided by April Tax Solutions Inc. (“April”) a third-party service provider. By using April’s services, you agree to April's terms of service and privacy policy. Exclusions apply. April may not be suitable for all tax situations. Acorns does not provide tax, legal, or accounting advice. Acorns does not guarantee the accuracy of April’s services or availability or that you will receive your maximum refund. For personal tax guidance, see irs.gov or consult a tax professional. You are responsible for the accuracy of your completed return. Tax document import feature available for select Acorns-generated tax documents only. Tax information shared with April is subject to their data handling practices. See https://www.acorns.com/program-agreement/ for more information.

V. Statistics & Rankings

33. App rating references the combined all-time star rating received in Google Play and Apple App Store. App Store rating as of 12/2/24.

34. Over $30 billion invested since inception as of 2/13/2026.

35. Average monthly Round-Ups® invested per customer is $45 since inception, as of 7/31/2025.

36. Amount of spare change invested since inception as of 12/2/2024. 

37. Acorns was rated by TIME as a World's Best Brand in 2024 in the Finance and Insurance Industry, Neobanking and Neobrokerage category. The ranking evaluated 330 top brands in the U.S. TIME and Statista surveyed more than 22,000 U.S. consumers about brands across 66 categories spanning a wide array of consumer-facing industries. https://time.com/7177358/worlds-best-brands-united-states-2024/.

38. Over 14 million all-time customers since inception as of 3/1/2025.

39. Over 1.2 million children served through Acorns Early Card and Acorns Early Invest since inception as of 8/27/2025.