Dwayne Johnson X Acorns

The Mighty Oak debit card

Introducing a new way of
banking that saves and invests
for you.6 Plus, earn more with two
of the highest APYs available —
3.00% APY on Checking and
5.00% APY on Emergency Fund.
Get yours now

Available only for US residents.
Banking services provided by and Mighty Oak Debit Cards issued by nbkc bank, Member FDIC. As of November 13, 2023, Mighty Oak Checking Annual Percentage Yield (APY) is 3.00% and Emergency Fund APY is 5.00%. APY is variable and subject to change. No minimum opening deposit or minimum balance required.

Image of Dwayne Johnson The Rock Image of Dwayne Johnson The Rock

Available only for US residents.
Banking services provided by and Mighty Oak Debit Cards issued by nbkc bank, Member FDIC. As of November 13, 2023, Mighty Oak Checking Annual Percentage Yield (APY) is 3.00% and Emergency Fund APY is 5.00%. APY is variable and subject to change. No minimum opening deposit or minimum balance required.

Mighty doesn’t happen overnight Mighty doesn’t happen overnight
Mighty doesn’t happen overnight
Mighty takes time and consistency. Invest a little here, save a little there. And by growing little by little, you could get to where you want to be. That’s why we’ve partnered with Dwayne Johnson to design the Mighty Oak card.

A debit card that helps you save and invest — simply by using it.

A debit card that puts investing at the center of your money.

A debit card that gives your money a chance to grow.

Us
A financial wellness system
Them
Traditional banking
why Acorns?
Checkmark
Two of the highest APYs available
Earn 3.00% APY on Checking and 5.00% APY on Emergency Fund — over 6x the national savings account APY average
Checkmark
Checkmark
Paycheck split
Automatically invest a piece of every paycheck
Checkmark
Checkmark
Tungsten metal card
Limited edition Mighty Oak Visa™ debit card, laser-engraved
with your signature
Checkmark
Checkmark
Early Payday
Get paid up to 2 days early
Checkmark
Checkmark
Real-Time Round-Ups®
Invest regularly with just your spare change
Checkmark
Checkmark
Investing
Easy, automated investing for your future and your family’s future
Checkmark
Checkmark
No hidden fees — ever
No minimum balance.
No overdraft fees on your Acorns account.
55,000+ fee-free ATMs within the AllPoint network.
Checkmark
Checkmark
Emergency Fund
Automatically set money aside for those “rainy days”
Checkmark
Checkmark
All-digital banking
Checking account, mobile check deposit, and digital checks
Checkmark
Checkmark
Security above all
FDIC-insured up to $250,000 and multi-factor authentication6
Checkmark

i1 : similar offering from 3 out of 10 traditional banks

Comparison of Acorns subscription features versus the top 10 banks based on asset size. Data provided by Federal Reserve Statistical Release: Largest Commercial Banks as of June 30, 2022.

Put in the work

Investment reps - Investment reps - Investment reps - Investment reps - Investment reps - Investment reps - Investment reps - Investment reps -

Financial wellness can be established one investment rep at a time.
Grow your <br class="hide-on-mobile"/>money faster Grow your <br class="hide-on-mobile"/>money faster
Grow your
money faster
Two of the highest APYs available
Annual percentage yield (APY) means how much interest you can earn on your money each year. With the Mighty Oak debit card, you'll unlock APYs that far exceed national averages: 3.00% APY on Checking and 5.00% APY on Emergency Fund. That means for every $1,000 you deposit, you’ll get $30 a year in Checking, or $50 a year in Emergency Fund.
Swipe. Invest. Repeat.
Real-Time Round-Ups®
Activate Real-Time Round-Ups® to instantly invest your spare change each time you make a purchase with your premium, tungsten metal Mighty Oak debit card. It’s an easy way to turn investing into a daily habit.
Swipe. Invest. Repeat. Swipe. Invest. Repeat.
Make your paycheck work for you Make your paycheck work for you
Make your paycheck work for you
Paycheck split
It’s hard to save if you’ve already spent. When you set up direct deposit with Acorns, you can get ahead of it by investing a piece of your paycheck each time you get paid.
Get investment rewards while you shop
Bonus investments with Acorns Earn
Shop at over 15,000+ top brands and earn bonus investments each time you make a purchase.
Get investment rewards while you shop Get investment rewards while you shop
All-digital banking
Security as strong as oak Security as strong as oak
Security as strong as oak
Green Checkmark Checking accounts are FDIC-insured up to $250,0006
Green Checkmark Multi-factor authentication
Green Checkmark 256-bit data encryption
Green Checkmark Instant all-digital card lock

Frequently asked

How do I get the Mighty Oak card?

Right arrow
  • If you do not have an Acorns account, you can sign up at acorns.com/mighty-oak-card.
  • If you are an existing Acorns customer without a Checking account, you can sign up from your Acorns app by tapping on the Mighty Oak section on your Home feed.

 

Note: Most cards arrive within 9-11 business days after ordering. Please log into your Acorns app and head to the Banking section for more details on how your card is tracking.

What are the benefits of the Mighty Oak card?

Right arrow
  • The Acorns Mighty Oak debit card is banking that saves and invests for you. All Mighty Oak card customers will also get Invest and a retirement account, in addition to the Acorns checking account that accompanies their Mighty Oak card.
  • The Mighty Oak card helps you grow your money by taking advantage of two of the mightiest APYs available today. Our 3.00% Checking APY and 5.00% Emergency Fund APY are both over 6x the national savings account APY average.
  • Mighty Oak card customers can invest with Real-Time RoundUps® which invests your spare change each time you use your card, and you can even invest a piece of your paycheck automatically with direct deposit.
  • The Mighty Oak debit card also features a premium look and feel. The card is finished in a matte black and made from tungsten heavy metal. Each card is laser engraved with each customer's personalized signature.
  • The Mighty Oak card has no minimum balance, no hidden fees, and gives customers access to over 55,000 fee-free ATM’s in the AllPoint Network.
  • In order to help customers build a habit of investing more consistently, Acorns will match your  first 7 automatic Real-Time Round-Ups®!
  • Customers who set up a direct deposit of at least $250 per calendar month into their Acorns Checking account will receive a subscription fee waiver for as long as they have direct deposit set up. 

 

See the complete terms and conditions for the Mighty Oak debit card program at acorns.com/mighty-oak-terms-and-conditions/.

Why is there a subscription for Mighty Oak Card?

Right arrow

There is not a separate charge for the Mighty Oak Card. The Mighty Oak Card is available at the $5 and $9 subscription tiers. The subscription is a monthly cost for a suite of Acorns products that can help you save and invest for your future. 

What happens to my Mighty Oak card if I downgrade/upgrade my subscription?

Right arrow
  • You can keep using your Mighty Oak card as long as you are in the $5 subscription tier or above.

  • If you downgrade from the $5 tier, you’ll need to close your Acorns Checking account, and will no longer be able to use the Mighty Oak card associated with it.

  • You can, however, open an Acorns Checking account with our traditional green Acorns Visa debit card at the $3 subscription tier.

What is Dwayne Johnson’s involvement with Acorns and the Mighty Oak card?

Right arrow

Dwayne Johnson is proud to partner with Acorns on the release of the Acorns Mighty Oak debit card, a new way of banking that saves and invests for you. 



Johnson knows firsthand the impact of saving over time. When he was cut from the Canadian Football League and left jobless in his early 20s, he had only $7 to his name. At that moment, Johnson decided to chart his own course in life. Committed to helping others lift themselves out of the toughest of times, Johnson is a champion of financial literacy and hopes to inspire Americans to shape their future by investing in themselves.



“I am personally invested in helping people achieve financial stability and success,” said Johnson. “I’ve worked with Acorns to help create a card that makes it easy for people to prioritize saving and investing to build a solid foundation for their future. I’ve been there, and know what it’s like to count every dollar and save every last cent possible to provide for my family and myself. I wish I had the Mighty Oak Card back when I had only $7 in my pocket, which is why I helped create this card now to empower people to take control of their financial well-being. One step at a time.” 



Paid advertisement. Dwayne Johnson and his creative agency receive substantial compensation from Acorns and its affiliates to promote Acorns, which creates a conflict of interest that can be expected to bias his views. Additional important disclosures at acorns.com/mightyoakcard.

Can I get a digital card of my Mighty Oak Card?

Right arrow

Yes, you can add your Mighty Oak Card for Apple Pay and Google Pay! To do so, pull up the wallet for Apple Pay or the app for Google Pay. After going through the add card option, you can either scan your card or manually input the card information.

What material is the Mighty Oak debit card?

Right arrow

The Mighty Oak debit card is a matte black, heavy metal Tungsten card. Each customers’ personalized signature is laser engraved on the front of their card.

How do I invest directly from my paycheck?

Right arrow

In order to invest directly from your paycheck, you can take a few easy steps:

Step 1: Set up Direct Deposit with Acorns

Step 2: Decide how much you want to deposit, $250 or more per calendar month will also waive your fee. (See complete terms and conditions at acorns.com/mighty-oak-terms-and-conditions/)

Step 3: Set up automatic investments from every Paycheck split

Step 4: Start saving and investing!

 

To get started, click HERE.

How do I get my subscription cost waived with the Mighty Oak Card?

Right arrow

Customers who set up a direct deposit of at least $250 per calendar month into their Acorns Checking account will receive a subscription waiver for as long as they have direct deposit set up and meet eligibility requirements. 



Please note the following:

  • This waiver will be applied to either the $5 or $9 tiers as long as you have the Mighty Oak Card and an active direct deposit set up.

  • If you stop the direct deposit, the waiver will be removed.

  • If you set it up again in the future, the waiver will be reapplied.

  • If you set up direct deposit using the app, then the fee waiver will automatically be applied once the deposit is deemed a success.

  • If you set up direct deposit through your employer, then the fee waiver will automatically be applied once the direct deposit hits the Acorns Checking account.
    (it may take 1-2 pay cycles for the direct deposit to hit the customer's Checking account).



See complete terms and conditions at acorns.com/mighty-oak-terms-and-conditions/.

Why do I need to open an Acorns Checking account to get the Mighty Oak card?

Right arrow

The Mighty Oak card is a debit card, which allows you to easily access the funds in your Acorns Checking account. 

I’m trying to sign up but I can’t enter my address so that it’s recognized. What’s wrong?

Right arrow

If you’re receiving an error when validating the residential and/or shipping address for your Acorns Checking account, we recommend trying a different format, spacing, or use abbreviations (e.g., Street, St.). You can also check the USPS website for your address format. If you’re still receiving an error, please feel free to contact our Support team.

I exited Mighty Oak card registration before completing it. How can I get back to ordering a Mighty Oak card?

Right arrow

Please follow the below steps to complete your order:

 

  1. Log into the Acorns app
    1. Once you are logged in, simply scroll down to “The Mighty Oak debit card” section
    2. Click on that section and follow the prompts.

What is APY and how does it work with Acorns?

Right arrow

The Annual Percentage Yield (APY) tells you the amount of interest your money can earn after compounding for a year. With Acorns, you can make sure your money is always working for you. Just as the money in your Acorns Invest account has the opportunity to grow over time, the money in your Mighty Oak Checking and Emergency Fund accounts will grow as it earns interest.



You may be familiar with the interest you pay to lenders when you take out a loan (also known as an annual percentage rate, or APR). Interest can go the other way, too. When you have money in a bank account that offers APY, you receive interest on the amount you deposit. 



APY factors in compounding interest as well. Your money compounds when you earn interest on money that’s already earned interest. Pay attention to the compounding period on any account — interest can compound daily, weekly, monthly, or even yearly. Our Acorns Checking and Emergency Fund APY both accrue interest daily and pay out interest monthly. Try out our compound interest calculator yourself to learn more about how compounding works!

What’s a high APY? How does the Mighty Oak Card compare?

Right arrow

The Annual Percentage Yield (APY) is a measure of the interest rate on your accounts, and it can vary widely, ranging from a fraction of a percent to several percentage points. These rates are subject to fluctuations based on the decisions made by the Federal Reserve regarding interest rates. Currently, when signed up for the Mighty Oak Card, the Acorns Checking account is at a 3% APY, and the Emergency Fund is at a 5% APY.



The specific APY rate on your accounts plays a pivotal role in determining how your savings grow over time. A higher APY can significantly increase the interest you earn, while a lower one may provide more modest returns. It's important to be aware that the Federal Reserve, which acts as the central bank of the United States, has the authority to adjust interest rates as a part of its monetary policy. These adjustments can have a direct impact on the APY rates for various financial products, including savings and investment accounts.



Therefore, staying informed about the prevailing interest rate environment and understanding how it may influence your APY is crucial for making sound financial decisions and optimizing your savings strategy to determine the best option that aligns with your specific needs.

When will my Mighty Oak Card arrive?

Right arrow

Most cards arrive within 9-11 business days after ordering. If demand is unusually high, customers may experience a delay. Please log into your Acorns app and head to the banking section for more details on how your card is tracking.



Although you may experience a delay in receiving your debit card, we want to provide you with ways that your Mighty Oak account is working for you and how it can be leveraged:



  1. You can begin making deposits today into your account and your money will continue to earn interest in your Acorns Checking account or Emergency Fund.

  2. If you need to move money to pay bills or to fund other activities you can use your account and routing numbers to link your account for bill pay or to payment gateways such as Venmo, Paypal, etc.

  3. You can also set up direct deposit and take advantage of the our Paycheck split feature to automatically save and invest your money with every direct deposit. Additionally, for the first time ever, Mightly Oak account holders who set up a direct deposit of $250 or more per calendar month into their Acorns Checking account will receive a subscription fee waiver for as long as they have direct deposit set up.



Again, we apologize for any inconvenience with the delay of your Mighty Oak Visa debit card, but do thank you for your patience. We will notify you as soon as your new Mighty Oak Visa debit card is on its way. 

Acorns Logo
Acorns
Invest spare change
Get started Get the app