Acorns offers two different subscription tiers for your life’s financial needs.

Acorns Personal - $3/month

Your personal financial wellness system, with all-in-one investment, retirement, and checking, a heavy metal debit card, bonus investments, education, and more!

Acorns Family - $5/month

Investment accounts for unlimited kids per family! Plus personal investment, retirement, and checking accounts, bonus investments, education, and more!

What are the different accounts in the tiers? 

Invest automatically invests your spare change (if you opt-in) and lets you invest as little as $5 any time or on a recurring basis into a portfolio of ETFs. Depending on your portfolio, your investments can be diversified across more than 7,000 stocks and bonds, and Acorns automatically rebalances your portfolio to stay in its target allocation.

Later, the retirement account, lets you automatically save for retirement by setting easy Recurring Contributions. When you sign-up, the app recommends an IRA account for you based on your goals, employment and income.

With Acorns Checking, our checking account and debit card, you can save, invest and earn while you spend. Acorns Checking has no overdraft or minimum balance fees, plus free Allpoint ATM access nationwide.

Round-Ups® and Investing

With Round-Ups®, we round up any purchase made from a linked account, debit or credit card to the next dollar. We invest Round-Ups® in your Acorns Invest account when they add up to at least $5 from all linked accounts. You can find and manage your Round-Ups® within your Invest account.

Round-Ups® will always be transferred from your primary checking account.

Recurring Investments allow you to invest as little as $5 per day, week or month into your Acorns accounts.

And you can make one-time investments anytime to boost your account value. When you create your profile, we'll suggest a portfolio based on your answers to a few questions, but you can change it at anytime. The portfolio recommendation is designed with the goal to maximize potential returns at a selected level of risk.

Where do we invest it? The money in your Acorns Invest account is invested in different exchange-traded funds (ETFs). These funds include stocks, bonds and other securities. Read more about it at acorns.com/invest.

What makes Acorns different?

Our 5 investment portfolios were designed with the goal to maximize potential returns at a selected level of risk. There are no account minimums and we don't work on commission. Our goal is to give you the tools to take the best financial care of yourself, easily.

For our low monthly fee, you get:

• Diversified portfolios
• Automatic rebalancing
• Access to Acorns Earn partners to earn while you shop
• On the go accessibility through our mobile and web app
• Investment support from our dedicated support team
• Access to Acorns Later, an easy way to save for retirement
• Access to Acorns Checking, with a debit card that saves, invests and earns for you

The path to financial wellness should be accessible to everyone, so we make it easy to invest in you. With Acorns, you can start early and invest often, without making big changes to your everyday life. In fact, you can start with as little as $5.

Once you download the Acorns app or sign up through our web app, you’ll need:

1. A valid email address where we can reach you and regularly send you account information.
2. Your online banking log-in information to link your accounts to fund your investments and use Round-Ups®. (Please note, you MUST be listed as an owner on the bank account)
3. Your physical address - this should be your most permanent address since we can't accept a PO Box or business address. (Please note- you will be able to designate a different mailing address if needed)
4. Your Social Security Number or ITIN.
5. General Profile Information like your financial goals, occupation, and earnings. This will help us recommend the right portfolio for you.

After signing up, you may also need to upload a photo of your government-issued ID or other documentation that allows us to verify your identity.

That’s it! Most accounts are approved within 1 business day. If you experience a delay in getting your account approved, please reach out to Support.

There are five different Acorns Core portfolios and four different Acorns ESG Portfolios, built by experts. Each portfolio is composed of exchange-traded funds — ETFs for short. An ETF is made of broad holdings of stocks and/or bonds. Depending on your portfolio, you’re invested in a mix of companies, markets, and bonds—and if you choose, a Bitcoin-linked ETF. The overview or prospectuses of the ETFs can be found below:

• Large Company – VOO 
• Medium Company Stocks – IJH 
• Small Company Stocks – IJR
• International Company Stocks – IXUS 
• Short Term Bonds – ISTB
• US Aggregate Bonds – AGG
• iShares ESG Aware MSCI USA ETF | ESGU
• iShares ESG Aware MSCI EM ETF | ESGE
• iShares ESG Aware MSCI USA Small-Cap ETF | ESML
• iShares ESG Aware 1-5 Year USD Corporate Bond ETF | SUSB
• iShares ESG Aware MSCI EAFE ETF | ESGD
• iShares 1-3 Year Treasury Bond ETF | SHY
• iShares MSCI USA ESG Select ETF | SUSA
• iShares U.S. Treasury Bond ETF | GOVT
• iShares MBS ETF | MBB
• iShares ESG Aware USD Corporate Bond ETF | SUSC
• Proshares Bitcoin Strategy ETF - BITO
• Shares Short Treasury Bond – SHV
• SPDR Bloomberg Barclays 1-3 Month T-Bill – BIL
• Goldman Sachs Access Treasury 0-1 Year – GBIL
• JPMorgan Ultra-Short Income – JPST
• iShares Ultra Short-Term Bond – ICSH

If you have any other questions, feel free to reach out to us here.