Start spending smarter

It's time for your checking account to work much harder.

Get Acorns Spend, the only checking account with a debit card that invests while you swipe.

A96A0A9C-CBE0-47B1-B6DC-B38B48A5195A Created with sketchtool.

The Acorns Visa debit card

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The future is yours

Meet a whole set of features that help you invest when you spend, and save on hidden fees.

  1. Technology & design image

    Technology & design

    A debit card designed to look and feel as good as it works

  2. Instantly save & invest image

    Instantly save & invest

    The only checking account with a debit card that saves and invests for you when you spend

  3. Ease & access image

    Ease & access

    Free bank-to-bank transfers, no overdraft or minimum balance fees and free or fee-reimbursed ATMs nationwide

  4. Earn more money image

    Earn more money

    All the Found Money that comes with Acorns Invest, plus up to 10% invested in you from local places you visit every day

  5. Coming soon
    Spend strategies image

    Spend strategies

    Easy, smart ways to save while you spend including automatic retirement savings, personalized strategies and more…

  6. Coming soon
    A lot for a little image

    A lot for a little

    Digital direct deposit, Round-Ups invested in real-time, mobile check deposit and check sending

  7. Grow your knowledge image

    Grow your knowledge

    From quick tips to original content, grow your money knowledge as you go

  8. Peace of mind image

    Peace of mind

    Acorns Spend, your checking account, is FDIC-insured all the way to $250,000, plus fraud protection and all-digital card lock.

A debit card designed to look and feel as good as it works

A matte finish and spot gloss treatment of the oak branch, to remind you what your acorns can become

Composed of tungsten metal, the heaviest non-radioactive element

Designed in partnership with the visionary who built the design group at Apple


For the first time, you can get all-in-one investment, retirement, and checking accounts, and so much more — for just $3 a month. No hidden fees and free or fee-reimbursed nationwide ATMs.

Acorns Invest

Invest spare change and extra cash over time into a diversified portfolio built by experts.

Acorns Later

An easy, automated way to save for retirement. Our IRA account helps you contribute to a better life Later.

Acorns Spend

The only checking account with a debit card that saves, invests and earns for you.

For more about Acorns pricing, visit our pricing page.

If you have any questions about Acorns Spend,
check out our FAQs.

"The new millennial investing strategy."

"Acorns simplified the often tedious and complex process of investing. But that doesn’t mean the investment strategy is any less sophisticated."

"Acorns offers a unique solution to overcoming the mental barrier: "I just don’t have enough money to be investing."

This website is operated by Acorns Advisers, LLC, an SEC Registered Investment Advisor.  Brokerage services are provided to clients of Acorns Advisers by Acorns Securities, LLC, an SEC registered broker-dealer and member FINRA.  Member of SIPC. Securities in your account protected up to $500,000. For details, please see

Important Disclosures:  Investing involves risk, including loss of principal.  Past performance does not guarantee or indicate future results.  Please consider, among other important factors, your investment objectives, risk tolerance and Acorns pricing before investing.  Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.  It is not possible to invest directly in an index.  Any hypothetical performance shown is for illustrative purposes only. Such results do not represent actual results and do not take into consideration economic or market factors which can impact performance. Actual clients may achieve investment results materially different from the results portrayed. Round Up 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.Only purchases made with a funding source linked to your Acorns account with the feature active are eligible for Round Up investments. Please note that 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. Actual Found Money rewards investments are made by Acorns Grow, Inc. into your Acorns Invest account through a partnership Acorns Grow maintains with each Found Money partner.  Acorns Subscription Fees are assessed based on the tier of services in which you are enrolled.  Acorns does not charge transactional fees, commissions or fees based on assets for accounts under $1 million. Acorns Spend clients are not charged overdraft fees or maintenance fees and ATM fees are reimbursed.  Please see your Acorns Subscription Center or Account Statements for a description of the fees you pay to Acorns for its services.  Third Party Quotes shown may not be representative of the experience of Acorns customers and do not represent a guarantee of future performance or success.  Please click on each testimonial to review the context from which this quote was taken. Acorns reserves the right to restrict or revoke any and all offers at any time.

Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing.  This and other information are contained in the Fund’s prospectus.  Please read the prospectus carefully before you invest.

Acorns also offers an Acorns Spend deposit account. Acorns Spend accounts are FDIC insured up to $250,000. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC for Acorns Spend account holders.  “Save and Invest" claim refers to a client's ability to utilize the Acorns Spend Instant Round-up feature to set aside small amounts of money from purchases made using an Acorns Spend account, and seamlessly investing those small amounts using an Acorns Investment account.  Requires both an active Acorns Spend account and an Acorns Investment account in good standing.  Instant Round-ups are accrued instantly for investment during the next trading window

For additional important risks, disclosures and information, please visit

Get Acorns Invest + Acorns Later + Acorns Spend, the only checking account that helps you invest while you spend.

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