Acorns
Invest spare change
Included with all Acorns subscriptions
Acorns is not a bank. Acorns Visa™ debit cards are issued by Lincoln Savings Bank or nbkc bank, Members FDIC for Acorns Checking account holders.
Banking for the growth-minded
Online banking that automatically saves & invests for you. Plus, no hidden fees — ever.
WHY BANK WITH ACORNS?
No hidden fees, ever
No hidden fees. No minimum balance fees. No overdraft fees. 55,000+ fee-free ATMs within the AllPoint Network.
Real-Time Round-Ups®
Instantly invest your spare change with every swipe of your heavy metal Acorns Visa™ debit card.
Get paid early
Get paid up to 2 days earlier7 with direct deposit, and invest your money faster.
Paycheck Split built-in
Invest a piece of every paycheck automatically into all your Acorns accounts.
Safe & secure
Acorns checking accounts are FDIC-insured up to $250,000, plus fraud protection, 256-bit data encryption, and all-digital card lock.6
Online banking
Mobile check deposit, digital checks, things your bank can do, and more.
Acorns Visa™ Debit card
Get a personalized heavy metal, laser engraved Acorns Visa™ debit card.
Emergency Fund
Prepare for the unexpected by automatically saving a piece of each paycheck.
Banking + investing in one app
With Acorns Checking, you can invest spare change with every swipe, and invest a piece of each paycheck automatically.
Get started
Instantly invest with Real-Time Round-Ups®
No more waiting for Round-Ups® to hit $5. When you swipe your Acorns Visa™ debit card your spare change gets instantly invested, so it has even more time to grow.
Earn bonus investments
Earn bonus investments from thousands of top brands when you shop their offers and swipe your Acorns Visa™ debit card.
Save and invest on payday
Acorns Paycheck Split automatically invests a piece of your paycheck for you into your Acorns Invest, Later, or Early account. It's built into Acorns Checking, and comes included with your subscription.
Invest a piece of every paycheck automatically
Pick how much to invest, starting at 1%, and change it any time
Allocate a percentage to your Invest, Later, Early, and Emergency Fund accounts
Online banking
BANKING DONE BETTER
No hidden fees - No hidden fees - No hidden fees - No hidden fees - No hidden fees - No hidden fees - No hidden fees -
Hidden fees.
Minimum balance fees.
Overdraft fees.
55,000+ fee-free ATMs
Rather than pay to get your own money, invest that money back in you. Acorns Checking comes with access to 55,000+ fee-free ATMs within the AllPoint Network around the world.
Goodbye Plastic.
Hello Metal.
Hello Metal.
Heavy metal core
Matte, Acorns-green finish with oak branch
Laser-engraved signature
Security for your checking account that’s strong as oak
FDIC-insured up to $250,0006
Fraud protection
256-bit data encryption
Instant all-digital card lock
Frequently asked
What is Acorns Checking?
Acorns Checking is our smart checking account that invests while you spend. Acorns Checking comes with your subscription, at no extra cost.
Why should you switch to Acorns Checking?
- Real-Time Round-Ups® investments allow you to invest spare change with every swipe, instead of waiting for it to add up to $5.
- Paycheck Split can automatically invest a piece of your paychecks as soon as you get them, into any of your investment accounts.
- 55,000+ fee-free ATMs, and no overdraft or low-balance fees.
- Plus, you can get paid up to 2 days early if you use Acorns Checking Direct Deposit
Get your heavy-metal, Acorns Visa™ green debit card, and simplify your life with investment, retirement, and checking accounts all in one app.
To explore Acorns Checking, tap “Checking” from your home screen, or tap the Checking icon from your bottom navigation.
If you’re not an Acorns Checking Direct Deposit customer yet, be sure to set up Direct Deposit next so that you can access Paycheck Split, and invest a piece of every paycheck automatically.
How do I set up Direct Deposit?
There are a couple of ways you can set up Direct Deposit into your Acorns Checking account. The easiest option is to set it up right from your Checking account settings by connecting directly to your employer or payroll provider. We also give you the option to download a pre-filled PDF Direct Deposit enrollment form that you can provide to your employer.
Do I have to maintain a minimum account balance?
There is no minimum amount required to open an Acorns Checking account.
Are there fees for banking with Acorns?
Acorns Checking is included in all Acorns subscriptions, which features a host of products and tools. Acorns does not charge overdraft fees or minimum balance fees, and your Acorns Checking account comes with 55,000+ fee-free ATMs nationwide and around the world within the AllPointNetwork.
