Checking Account

Banking with Acorns

Banking that saves and invests for you.6

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Banking with Acorns Banking with Acorns
Included with Acorns Personal and Family subscriptions

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, ever
No hidden fees. No minimum balance fees. No overdraft fees. 55,000+ fee-free ATMs.
Real-Time Round-Ups®
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 early
Get paid up to 2 days earlier* with direct deposit, and invest your money faster.
Smart Deposit built-in
Smart Deposit built-in
Invest a piece of every paycheck automatically into all your Acorns accounts.
Safe & secure
Safe & secure
Acorns checking accounts are FDIC-insured up to $250,000, plus fraud protection, 256-bit data encryption, and all-digital card lock.
Online banking
Online banking
Mobile check deposit, digital checks, things your bank can do, and more.
Acorns Visa™ Debit card
Acorns Visa™ Debit card
Get a personalized heavy metal, laser engraved Acorns Visa™ debit card.
Emergency Fund
Emergency Fund
Prepare for the unexpected by automatically saving a piece of each paycheck.
Banking + investing in one app Banking + investing in one app
Banking + investing in one app
With Acorns Checking, you can invest spare change with every swipe, and invest a piece of each paycheck automatically.
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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.
Instantly invest with Real-Time Round-Ups® Instantly invest with Real-Time Round-Ups®
Earn bonus investments Earn bonus investments
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 Save and invest on payday Cross-section of tree stump Cross-section of tree stump
Save and invest on payday
Acorns Smart Deposit 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.
Purple Checkmark Invest a piece of every paycheck automatically
Purple Checkmark Pick how much to invest, starting at 1%, and change it any time
Purple Checkmark 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 around the world.
55,000+ <br class='hide-on-tablet hide-on-mobile' />fee-free ATMs 55,000+ <br class='hide-on-tablet hide-on-mobile' />fee-free ATMs
Goodbye Plastic.
Hello Metal.
Purple Checkmark Heavy metal core
Purple Checkmark Matte, Acorns-green finish with oak branch
Purple Checkmark Laser-engraved signature
Goodbye Plastic. <br />Hello Metal. Goodbye Plastic. <br />Hello Metal.
Security for your checking account that’s strong as oak Security for your checking account that’s strong as oak
Security for your checking account that’s strong as oak
Purple Checkmark FDIC-insured up to $250,000
Purple Checkmark Fraud protection
Purple Checkmark 256-bit data encryption
Purple Checkmark Instant all-digital card lock

Frequently asked

What is Acorns Checking?

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Acorns Checking is our smart checking account that invests while you spend. If you’re in the Acorns Personal or Acorns Family tiers, Acorns Checking comes with your subscription, at no extra cost.

 

Why should you switch to Acorns Checking?

 

  1. Real-Time Round-Ups® investments allow you to invest spare change with every swipe, instead of waiting for it to add up to $5.
  2. Smart Deposit can automatically invest a piece of your paychecks as soon as you get them, into any of your investment accounts.
  3. 55,000+ fee-free ATMs, and no overdraft or low-balance fees.
  4. 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 Smart Deposit, and invest a piece of every paycheck automatically. 

 

How do I set up Direct Deposit?

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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?

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There is no minimum amount required to open an Acorns Checking account. During the sign-up process, you will be asked to fund your Checking account with at least $25 so that you can begin using your card as soon as it arrives in the mail.

Are there fees for banking with Acorns?

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Acorns Checking is included in the Acorns Personal and Acorns Family tiers, 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.  

FINANCIAL WELLNESS System

Acorns helps you save & invest for the long-term

Up-front Pricing
Simple, transparent plans
Rather than surprise fees, we bundle our products into subscription tiers that provide financial wellness tools.
Personal
$3/mo.
All-in-one investment, retirement, and checking, plus a metal Acorns Visa™ debit card, bonus investments, financial education, and more.
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Family
$5/mo.
Investment accounts for kids, plus personal investment, retirement, and checking accounts, exclusive offers and unique ways to grow your knowledge.
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What’s included
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