Search Results

Why did I not receive any tax forms from Acorns this year?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. If you did not receive a tax form this year, your Acorns account activity did not meet the minimum reporting
What is the cost for Acorns Checking if I am a student?

Acorns Checking is $3/month. We do not currently have any free student accounts at this time.
What is Two-factor Authentication and why do I need it?

Your security is our top priority, so we’re always looking for ways to better protect your information. Two-factor Authentication is a technology that can help keep your accounts and information secure, so we strongly recommend enabling it as an extra layer of security for your Acorns ac
Who can sign up for an account?

Acorns is available to United States residents who have a valid social security number. Customers must be at least 18 years old to start an Acorns Personal or Acorns Family subscription, but you can open an Acorns Early account on behalf of a child from the day they are born.
How long does it take to invest money?

All buy orders (i.e. deposit requests) placed before 5 pm PST should be invested the next business day. It takes 2-3 business days for these investments to fully process and reflect on your account. This window is provided to accommodate processing times for bank transfers, as well as the time
How Do I Update My Email Preferences?

To update your personal email preferences, log in here and select the type of emails you’d like to receive. Like your bank, we have to send certain emails pertaining to account information, such as your statement, account activity, shareholder updates and proxy voting information. We ar
What is Acorns Earn?

Acorns Earn allows more than 300 leading brands to invest a set amount or a percentage of your purchase price directly into your Acorns Invest account when you spend with them. Acorns Earn rewards are typically invested in your Invest account between 90 and 120 days after you make a purchase w
Do I have to pay taxes on money I make through my Acorns account?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. In general, when we earn money from our investments, Uncle Sam wants his cut, too—just like with the re
How do I reopen my Account?

If you're ready to start investing again with Acorns, reopening your account is easy. Simply log back into your Acorns account using our iOS, Android or Web App. Once logged in, tap or click “Start investing again” and confirm you want to reopen your account. If you no longer have
Can I link a savings account as My Funding Source?

While it is possible to fund your account with a savings account, Acorns generally recommends the use of a checking account. Federal regulation limits the withdrawals from a savings account to six transactions per month. Utilizing the automatic Round-Up feature can reach this limit and incur a
Can I receive a check for my withdrawal?

Because Acorns is solely an online investing platform, we do not mail paper checks for withdrawals. If you do not have access to the checking account previously used to fund your investments and want to withdraw funds, we make changing funding sources easy so your funds can be transferred back
How do I redeem my Acorns gift card?

To redeem your Acorns gift card, visit www.acorns.com/redeem.
Do I need an Acorns account to purchase an Acorns gift card?

You do not need to have an Acorns account to purchase the gift card, though you do need to be an Acorns customer to redeem a gift card.
Do I need an Acorns account to redeem an Acorns gift card?

Yes, current Acorns customers can visit acorns.com/redeem and login to redeem your gift card. If you’re new to Acorns, welcome! Visit acorns.com/redeem and tap 'Create an Account' to get started.
Can I use a gift card with an existing account?

Absolutely!
Can I buy a gift card for my kids?

Acorns gift card recipients must be 18 or older.
How much money can I put on an Acorns gift card?

At this time, you can put exactly $25 on an Acorns gift card.
Is there a limit to the amount of cards I can buy?

Nope! You can buy as many Acorns gift cards as you'd like, although redemption limits may apply.
Is there a limit to how many Acorns gift cards I can redeem?

Our Acorns Support team is happy to provide guidance. Please give us a call at (855) 739-2859.
Can I return an Acorns gift card?

Acorns gift cards can be returned if the recipient is not at least 18-years-old, or if the recipient cannot be verified to open an Acorns account. Gift cards purchased through some digital partners cannot be returned. Please check the terms and conditions on the individual gift card to confirm
What is the best way to reach gift card support?

For cards purchased directly through www.acorns.com/giftcard, please reach out to acorns@buyatab.com or call 888-736-3012. For gift cards purchased elsewhere, please send us a message!
Can I link my business account?

In order to comply with FINRA regulations, Acorns accounts cannot be funded with a Business checking account. More specifically, this is to ensure that we remain compliant with FINRA's Anti-Money Laundering (AML) regulations. To learn more about these regulations, you may click the link below:
Why Are My Transactions Being Canceled?

When we notice the balance of your linked checking account is low, we do our best to pause automatic investments, such as Round-Ups and Recurring Investments. Please keep in mind that this is not 100% effective due to bank processing times, which are 1-3 business days. During that proces
What is the Round-Ups Multiplier?

The Round-Ups Multiplier is a handy way to increase the amount of funds you are investing from your spare change. When the Round-Ups Multiplier is enabled, your Round-Ups will be multiplied by the selected amount (2x, 3x, 10x). For example, if you were to make a purchase for $3.70, this transa
What should I do if my security code is going to the wrong contact information?

When you attempt to connect to a bank through Round-Ups, all security information comes directly from your bank. As such, any incorrect contact information may be indicated as your primary contact method on your banking profile. In order to resolve this issue, it is recommended that you log
What information do you need if I work for a Broker-Dealer?

We need permission from your compliance department before opening your investment account. Your firm may also require duplicate confirmations and statements (Pursuant to FINRA Rule 3210 and/or NYSE Rule 407). If your firm would like to see our program agreement, please direct them to page B-1
Why am I unable to log in to my Acorns Accounts?

First, make sure you are using the latest versions of our iOS or Android apps by checking the App Store and Google Play Store. If you are accessing Acorns from our web app you will always be on the latest version. Next, be sure that your email address and password are entered correctly. If you
Does Acorns invest in Cryptocurrency?

We do not. Acorns offers our customers the opportunity to begin investing in a managed portfolio. You do not have the option of choosing to invest in any other stocks, bonds, cryptocurrencies, or other securities through Acorns. We also can't advise you on whether you personally should invest
Why did I receive an alert?

Your security is our first priority. If you receive a verification alert, it’s because we want to make sure your information is accurate and up to date when we open your account, or make any changes. If you’re an existing investor who has received this alert, we may need to correct
Is Acorns available outside the US?

At present, Acorns is only available to US citizens or legal residents who currently reside in the United States. Exceptions are made for active Armed Services personnel that maintain US addresses and are temporarily overseas. For more information, please see our list of jurisdictions. Ac
I forgot my Username

It happens. Our support team is here to help! If you forgot your username, please contact us and provide the following information: Your First and Last name Your Date of Birth Your full mailing address on file with your Acorns account If you have any other questions, feel free to reach
Is my money protected?

Yes. Acorns Securities is a Member of the Securities Investor Protection Corporation (SIPC), which means all of our customers' investments are protected up to $500,000 (including $250,000 for claims for cash). For more information on SIPC insurance, please visit www.sipc.org. All Acorns C
Where is my money invested?

There are five different Acorns portfolios that you can choose from, 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
How do I unsubscribe from emails?

We do our best not to clog your inbox and only send emails with value. If you do feel they are not valuable, you can adjust your settings here, follow the steps below or through any of our emails by using the link at the bottom. After logging in to your account, click on the menu (avatar
Why does it take 1-5 days for my Acorns account to be approved?

Your security is our primary concern, so we take every measure to verify that you are you! If all of your information is accurate, we typically verify and approve accounts same-day. If there is a delay, it may be because there is missing information. Acorns is subject to regulatory oversight b
Why am I being asked to verify my Funding Source?

Your security is our primary concern, so we take every measure to verify that you are you! To confirm that the bank account information you provide is in fact yours, we send two micro-deposits, each less than $0.10. Please allow up to 1-3 days to see these micro deposits in your checking accou
How do I turn off Round-Ups?

To turn off Round-Ups follow the steps below. For mobile users: 1. Tap Invest for your Future2. Tap on Round-Ups Settings3. Toggle off Set to automatic4. Tap on Turn off automatic For web users: 1. Click the “Invest for your Future” button2. Click on Round-Ups Settings3. Toggle off
How do I withdraw funds from my Acorns Invest account?

You can make a withdrawal from the iOS and Android apps or the web app. Please follow the instructions below. 1. Sign into your account via your Android or iOS device. 2. Select on the applicable account (Invest or Later)3. Choose the "Withdraw" option4. Enter the dollar amount you would
How do I pause and resume my investments?

You can pause your investments easily through your Acorns app. For Mobile: After logging in to your account, tap the menu (avatar) in the upper left corner of the screen Tap “Settings” Tap “Linked accounts” Toggle the Allow Transfers button to off Confir
How can I update the name on my account?

To protect your security, our Broker-Dealer requires the following documents be uploaded via the document uploader (https://app.acorns.com/document-uploader) to process a name change: A legal document (marriage certificate, divorce certificate, etc) that verifies your name change A valid, non
Why is it asking me for documents?

Your security is our primary concern, so we take every measure to verify that you are you and that any changes requested are authentic. If you’ve made a request to change the Funding Source in your Acorns profile, we may require documentation that verifies your ownership of your previous
Why is my app crashing?

If you are experiencing issues logging in to your Acorns Account, please verify the following: You are using the correct email address to log in You are using the latest versions of our iOS or Android apps by checking the App Store and Google Play Store There is no VPN active on you
How do I view my tax reports, statements, and confirmations?

To view your tax reports, statements, or trade confirmations, just follow these steps — For Mobile: Tap on the avatar icon at the top left-hand corner of your screen Tap on Settings Tap on Documents and Statements Tap on the account and the type of document you would like to view&n
Why am I receiving a server error when logging in?

If you’re receiving a server error when logging into your Acorns account, please allow a few hours before attempting to log in again. We’re sorry for the inconvenience, and promise that our team is working to fix the issue. If you’re still unable to access your Acorns account
Can I open an account for a minor?

At this time, Acorns does not offer accounts for anyone under 18-years-old.
Invite Friends, Get $5

Thanks for helping your friends grow wealth with us! Find information below on our ongoing, automatic $5 referral reward, and our special referral bonuses. When you refer friends to Acorns using your custom referral link, and they invest at least $5 in their new Acorns Invest account, we will
What is Auto Debit Authorization?

Auto Debit Authorization allows us to simply transfer payment - $1, $3, or $5 per month - from your Funding Source each month, so your shares can stay invested and keep growing. For now, debits will occur on the last business day of each month.
What does the Acorns Subscription cover?

Our subscription covers our investing services, technology and team of 300+ and growing in Irvine and New York.
How does a customer opt in to the new subscription?

When you open your Acorns app, you’ll see a prompt asking you to accept our new Program Agreement and Auto Debit Authorization. The Program Agreement outlines our pricing and the terms of Acorns Later, our retirement account. Just accept those terms with one tap in your app, and you&rsqu
How do I change my Acorns Subscription?

You can change your subscription by going to the subscription center in settings and selecting your new tier. For Mobile: After logging in to your account, tap the menu (avatar) in the upper left corner of the screen Tap "Settings" Tap "My Subscription" Choose the subscription ti
What about Acorns accounts of at least $5,000?

Prior to our April 2018 pricing change, Acorns customers with a balance of at least $5,000 paid .25% per year. With the new pricing, all Acorns customers pay $3 per month for Acorns Invest, Later, and Acorns Checking until they have $1 million invested with us. In order to improve our customer
Why should I invest in an IRA?

Legendary investor, Warren Buffett said, "The most important investment you can make is in yourself." We agree. IRAs can help you save for retirement without all of the tax implications of other types of investments. When you join Acorns Later, we'll help you determine the best course for you.
Is Acorns Later an IRA?

Yes. Acorns Later is an IRA, which stands for Individual Retirement Account. We’ll automatically select the right type of IRA for your lifestyle and goals, each offering distinct tax advantages and eligibility.
How much money do I need to open an Acorns Later account?

Acorns was founded on the principle, "From acorns mighty oaks do grow." Just as with our investment accounts, you can begin investing with just $5.
Do I have to be an Acorns Invest customer to start an Acorns Later account?

If you’re a new customer, you’ll be able to sign up for our most popular subscription tier, Acorns Personal. This includes Acorns Invest, Later, and Acorns Checking. Acorns is designed as a system that helps you save, invest, earn and grow the most when you use all of our automated
Can I withdraw or transfer my money whenever I want?

Yes, you can withdraw your money at any time. Be aware that with any IRA, there are tax implications for early withdrawals or transfers before you retire. If you can, keep your funds invested for the long term. From the mobile app or website, navigate to your Acorns Later account and tap
Why do we call this Acorns Later?

Because 'retirement' doesn't mean what it used to for a lot of people. It used to be something you could count on — and when it came, you were going to pursue what you love. Today, many don't believe they will retire, and others are doing what they love now. So we’ll call it Acorns
How do I make an IRA contribution?

There are a few ways to contribute to your Acorns Later account. If you’d like to make a contribution, first make sure that your primary bank account, which we call your Funding Source, is linked to your Acorns Later account. Recurring ContributionsTo set up a Recurring Contribution
How is my portfolio selected?

Your portfolio is selected based on your age and the time until you reach “retirement age,” which is currently 59 ½ years old according to the IRS. Over time, this calculation naturally changes, so we automatically rebalance your investments. For example, as you grow closer
Can I roll over my existing 401(k) or IRA to Acorns Later?

Yes, you can. Rolling existing plans over to Acorns Later is a good way to get the most out of our portfolio allocations. It’ll also consolidate your investment accounts and potentially save on management fees. If you're interested in rolling a plan into your Acorns Later account, contac
How Do I Close My Acorns Later Account?

To close your Later account: For Mobile: After logging in to your account, tap the menu (avatar) in the upper left corner of the screen Tap "Settings" Tap "My Subscription" Tap "Close account" and we'll guide you through the process For Web: After logging in to your account, click on the me
Why can’t I have someone other than my spouse as my beneficiary?

If you live in a community property state (Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin) and you want to designate someone other than your spouse, you will need to have your spouse sign a notarized document. You can contact Acorns Support&nbs
Will I Be Exempt from IRS Penalties on Early Withdrawals from my Later Account?

There are tax implications (generally a 10% penalty and possibly income taxes and other penalties) for early withdrawals from an IRA, but sometimes the IRS will waive a tax penalty for early withdrawals. We’ve listed some of the exceptions below. The IRS also talks about this here. Pleas
What is the Acorns Pricing structure?

Our pricing is below and you can learn more on the pricing page of our website, https://www.acorns.com/pricing/ Acorns Personal - $3/month Your personal financial wellness system, with all-in-one investment, retirement, and checking, a metal debit card, bonus investments, money advice, an
What's an IRA?

IRA stands for Individual Retirement Account, and they have lots of tax advantages over traditional savings accounts. Acorns Later offers 3 IRAs - Traditional, Roth and SEP. When you open an Acorns Later IRA, we automatically select the right IRA plan for your lifestyle and goals. To learn mor
How much does Acorns Later cost?

The Later account is part of our Personal ($3/month) tier. When you sign up or upgrade your account, you will be able to set up the Later account if you are on a tier that offers it. Prior to May 20, 2020, Acorns offered a separate tier for just Invest and Later, but now is part of our Persona
Can I change my IRA type?

We automatically select the right type of IRA for your lifestyle and goals, each offering distinct tax advantages and eligibility. If you would like to discuss changing your IRA type, please contact Acorns Support.
How do I cancel an Acorns Later pending contribution?

In order to cancel an Acorns Later pending contribution, please visit your Acorns Later account and select “View All” under Recent Activity. From here, tap on the transaction that you would like to cancel and select the Cancel button in order to stop that transaction. Please
How do I withdraw funds from Acorns Later?

With any IRA, there are often tax implications for early withdrawals or transfers (generally a 10% penalty and possibly income taxes and/or other penalties). You can learn more about the specifics from the IRS website here. To withdraw your Acorns Later funds, please follow these steps:
What is Acorns Checking?

Acorns Checking is the first checking account with a debit card that saves, invests, and earns for you. Plus, Acorns Invest and Acorns Later built in! Acorns Invest: The leading micro investing app, helping more than 3 million customers invest in the background of life. Acorns Later: Our r
How can I sign up?

We’re excited you’re joining Acorns Checking! If you're a new Acorns customer, follow this link. If you’re an existing Acorns customer, you can order your Acorns Debit Card when you login to your account.
When will I get my debit card?

Acorns debit card orders typically take 7 to 10 business days to arrive from the time you are approved. You'll receive an email notification once your card has shipped with a link to track your card. You can also track the status of your card when you log in to your account.
How much is Acorns Checking?

Acorns Checking is just $3/month and includes everything that comes with Acorns and Acorns Later. In other words, you can save and invest for now and retirement, and with your Acorns Debit Card, save, invest and earn every time you spend — for just $3/month! An open Invest account is req
Will I receive a tracking number?

You will receive an email notification with tracking information when your Acorns Debit Card is shipped.
What verification will be used to sign up? Will there be a credit check?

There will not be a credit check to join Acorns Checking. To sign up for Acorns Checking, you must be a verified Acorns customer. If you’re new to Acorns, you’ll need to set up your Acorns account first. When your account is verified, you can register for Acorns Checking with just
What's included with Acorns Checking?

Acorns Checking is the only checking account with a debit card that saves, invests and earns for you — and has Acorns Invest and Acorns Later built-in. Here are a few of the features we’re excited to offer. Technology & DesignThe only debit card that saves, invests and earns fo
Will I be able to have multiple Acorns Checking accounts?

Each customer may have only one Acorns Checking account. At this time, we are not able to support joint accounts.
What fees and minimums are there?

There is no minimum amount required to open an Acorns account, but to begin investing, saving for retirement, or banking smarter, you must have funds in your account. Our pricing is below and you can learn more on the pricing page of our website, www.acorns.com/pricing. Acorn
Do I need an Acorns Invest and Acorns Later account to have an Acorns Checking account?

To become an Acorns Checking customer, you can sign up here. When you sign up for Acorns Checking, Acorns Invest and Acorns Later are automatically included! Acorns Invest will need to remain open in order to remain an Acorns Checking customer. Acorns works hardest for you when yo
Can I withdraw from my Acorns Checking account whenever I want?

You can transfer funds from your Acorns Checking account to an external primary checking any time without penalty. In order to transfer funds out of your Acorns Checking account please log in to your Acorns account and follow the directions below: Tap or click on "Bank Smarter" Tap
Can I contribute to my other Acorns accounts with my Acorns Checking account?

Yes! Acorns is built as a system that helps you effortlessly save, invest, and earn in the background of life. In a few taps, you can transfer funds from your Acorns Checking account to your Acorns Invest and Acorns Later accounts, where your money can grow! In order to transfer funds o
What if I want to cancel my order after I have placed it?

To cancel your Acorns Debit Card after you have pre-ordered, please contact Acorns Support.
What if my address changes from the address I gave when I pre-ordered my card?

If the address you provided when you pre-ordered your card is no longer your address when your card ships, please make sure to set up mail forwarding so your card is forwarded to you. If there are any issues in receiving your card, please contact our customer support team.
Why do I have to pay anything for Acorns Checking? Aren’t checking accounts free?

Most checking accounts aren’t actually free. In fact, on average, most banks have over 22 hidden fees, and collectively rake in about $30 billion a year from those fees. When you consider that on average, Americans lose $329 a year from bank fees, just $36 a year for Acorns Checking, fea
What is my actual bank as an Acorns Checking customer?

To bring you the first checking account and debit card that save, invest, and earn for you, Acorns has partnered with Lincoln Savings Bank, a member of FDIC.
Will I be charged foreign transaction fees with my Acorns Debit Card?

Acorns will not charge you foreign transaction fees, but you will likely be charged foreign exchange fees and currency exchange commissions for transactions outside of the United States. These fees will be included in the amount charged to your Acorns Checking account.
Can I just have an Acorns Checking account?

To forward our mission to look after the financial best interests of the up-and-coming, it is not possible to only have an Acorns Checking account. Acorns Invest must stay open in order to remain an Acorns Checking customer. We created Acorns as a system that helps you save, inves
How do I purchase a $10 Acorns Gift Card from Groupon?

After you purchase the gift card from Groupon for $5, you will receive an email from Groupon with a confirmation order number and specific instructions for redeeming your gift card.
Where is my gift card stored?

Your gift card will be stored in your Groupon account under "My Stuff.” You will also receive an email order confirmation from Groupon with specific redemption instructions.
How do I claim my $10 Groupon gift card?

You will receive a confirmation email and order number from Groupon with specific instructions that guide you through the process of redeeming your card.
Who’s eligible for this offer?

New customers only who follow the Groupon link under “Redeem Online.” A "New Customer" is anyone who has never started the registration process for any Acorns account.
Who’s not eligible for this gift card offer?

Existing Acorns Invest, Acorns Later or Acorns Checking customers who at any time have already started the registration process. Customers who have registered with Acorns Invest, Acorns Later or Acorns Checking at any point in the past - even if their account remains unfunded. Anyone who
What is the refund process with Groupon?

All refund requests are handled through Groupon Customer Service at https://www.groupon.com/customer_support.If you purchased your gift card within the last 24 hours, you can select your order and cancel as long as you have not viewed your gift card code.After the first 24 hours, or if you vie
My Groupon voucher isn’t working, who do I contact?

If your Groupon gift card isn’t working, please contact Groupon support. For any issues within the Acorns signup process or any other Acorns specific questions, please reach out to the Acorns Support Team.
Is The Acorns App Safe?

Acorns is serious about security. We’ve taken many steps to help keep your account and information protected when you create an account and use Acorns. SIPC Protected Investment AccountsSecurities in your Acorns Invest and Later accounts are protected up to $500,000. For details, please
How do I activate my card?

You will receive a notification to activate your card when your Acorns debit card is delivered. When you have your card in hand, open the Acorns app. There will be a prompt in your action feed asking you to activate your card.
How do I set my Acorns debit card PIN?

Setting your PIN for your debit card is done when you activate your card. If you need to update your PIN at any time, please take the following steps: After logging in to your account, tap "Bank Smarter" Tap the gear icon in the upper right corner Tap "Update Card PIN" Note: It will as
How do I set up direct deposit?

You can set up direct deposit right from your Acorns Checking account! To do so, please follow the steps below: Log in to your Acorns account and tap "Bank smarter" Tap the gear icon, in the upper right-hand corner of the screen, to access your settings Scroll down and tap "Direct Depo
How do I see my Acorns Checking balance?

You can view your available Acorns Checking balance by clicking on "Bank smarter" from the main menu! If needed, you can also add funds to your Acorns Checking account by taking the steps below: After logging in to your account, tap or click on "Bank Smarter" Tap or click on "Transf
How can I see my monthly statement?

Monthly statements are available to download when you visit your Acorns account on a desktop web browser.
Can I send money instantly using Zelle, PayPal, etc.

Acorns does not currently allow sending money through mobile payment apps. You can, however, move money into your Acorns Checking account from PayPal wallet.
Can I set up Bill Pay?

The account and routing number for your Acorns Checking account can be used to pay your bills! In order to locate your Acorns Checking account and routing number, please take the following steps: For Mobile: After logging in to your account, tap "Bank smarter" Tap Settings Gear in the
Where can I find my routing and account number?

Your routing & account numbers are listed in Settings under Acorns Checking smarter. This can be found using the following steps: For Mobile: After logging in to your account, tap "Bank smarter" Tap Settings Gear in the upper right corner From here, you see your routing and ac
Can I use my Acorns Debit Card as a joint or business account?

We do not support joint accounts or business checking accounts at this time. Acorns Checking can only be used as a personal checking account.
How do I order a new card? (replacement / reissue)

If you are requesting a new Acorns debit card because your current card is Lost, Stolen, Damaged, or if you’ve experienced a delivery issue, you can do so right from your Acorns app by taking the steps below. If you need to request a new card for a reason that is not mentioned abo
How do I put my card on hold? Remove a hold?

You can temporarily lock and unlock your Acorns debit card at any time from the Acorns Checking section in your settings.
How do I update my Acorns debit card PIN?

If you need to update your PIN: Tap "Bank Smarter" Tap on the gear tool in the top right corner Tap "Update Card PIN" *Note: It will ask you to Enter your PIN, this means entering a completely new PIN. You will not be asked for the previous PIN. Please keep in mind that it can take up to 12
How do I dispute a charge?

To dispute a transaction, please navigate to https://help.acorns.com/spend/dispute/step-one
How are my transactions verified?

Your security is our top priority. All transactions are verified through our third-party fraud detection partner.
How do I cancel an Acorns Checking transaction?

In order to cancel a transaction, please contact our Acorns Support team. If a transfer is already being processed, we are unable to cancel the transaction. Once the transfer has settled, you can use the funds in your Acorns Checking account or transfer the funds back to your primary checking
How do I withdraw money from my account? Cash?

You can transfer funds to a linked external account or withdraw cash through an ATM.
Will I get a notification each time I swipe my card?

Yes. You will get a notification on your phone every time you make a purchase with your Acorns debit card. It will let you know how much you spent.
Can I deposit checks via the app? How does this work?

Yes! You can deposit a check within the Acorns app by simply taking a picture of both the front and back of the check as well as entering the check amount. In order to deposit a check, please follow these steps: After logging in to your mobile app, tap “Bank smarter”
Is there a limit to how much I can withdraw from an ATM?

You can withdraw a maximum of $500 a day from an ATM (Allpoint or non-Allpoint) with Acorns Checking.
Can I cash a check at the ATM? Can I deposit a check at the ATM?

We do not offer the ability to cash or deposit checks at any ATMs (Allpoint or non-Allpoint) with Acorns Checking.
Can I deposit cash into my Acorns Checking account by depositing the cash into a participating ATM?

At this time, you will not be able to deposit cash into your Acorns Checking account via an ATM. However, you can deposit the cash into a linked primary checking account and then transfer it into your Acorns Checking account.
Foreign fee?

There are no foreign transaction fees, only currency conversion fees with Acorns Checking.
Overdraft fee?

There are no overdraft fees with Acorns Checking.
How do I update my personal information?

You can update your personal information in your user profile under Settings in the Acorns app. Please complete the following steps to update your profile:For mobile users:1. Tap on the menu icon at the top left of your screen2. Tap on Settings3. Tap on Personal Info4. Tap on any identifier yo
I want to open an Acorns Checking account, how do I do this?

If you’re an existing Acorns customer, you can order your Acorns debit card in just a few taps! If you are new to Acorns, you can sign up directly here.
How do I freeze my account? How long can I freeze it for?

If you need to freeze your account, please contact us and we will be able to further assist you. Please note that the monthly subscription still applies to accounts that are frozen.
Account / Routing Information

Your routing & account number is listed in Settings under the Acorns Checking section of the Acorns app.
How does Acorns Earn affect my Acorns Checking account?

You can use your Acorns debit card to earn Acorns Earn, but Earn Rewards will always be invested in your Acorns Invest account.
Where do my Round-Ups go? Can I pick where my Round-Ups go?

All Round-Ups are invested into your Acorns Invest account. Real-Time Round-Ups come from your Acorns Checking account. Regular, manual and automatic, Round-Ups from other linked cards will come from your default primary checking account, which can be your linked bank account or your Acorns Ch
How do I notify Acorns that I will be traveling out of the country?

You can contact Acorns Support to let us know about your travel plans. We'd be happy to make a note on your account!
How do I deposit a physical check? How many can I deposit at one time?

You can deposit a paper check through the Acorns mobile app. You will be able to deposit up to 3 checks per business day. In order to deposit a check, please follow these steps: Open the Acorns App and log in Tap “Bank Smarter” Tap “Checks” Tap "Deposit C
Do we offer bonded checks?

Unfortunately, we do not offer bonded checks at this time with Acorns Checking.
Courtesy Pay?

Unfortunately, we do not offer courtesy pay at this time with Acorns Checking.
Do you offer Cashiers checks?

At this time, we do not offer cashiers checks at this time with Acorns Checking.
How do I destroy my card?

If you would like to return your card and ensure it is properly disposed of, please mail the card in a security envelope to the address below. We recommend deactivating your card prior to shipping. Acorns Attn: Card Department 5300 California Ave Irvine, CA 92617
Can I perform Peer 2 Peer payments? (Within Acorns & institution transfer)

Acorns does not currently allow Peer 2 Peer payments within the app. You can, however, move money into your Acorns Checking account from PayPal wallet.
Can I order my own checkbook?

Acorns does not currently provide physical checks or checkbooks for Acorns Checking accounts. Additionally, please note that ordering a checkbook using your Acorns account & routing number will not work; however, our Send Check feature allows you to send a physical check via USPS to the de
Legal requests?

Please contact support if you have a legal inquiry.
How do I get notified if there is fraud?

Our fraud specialists respond in real-time and your card will be locked. We'll call you to determine if a transaction is fraudulent.
How do I report fraud / unauthorized transactions?

Since your security is our number one priority, please contact support to report any fraud.
How are investigations into potentially fraudulent activity carried out?

In partnership with Acorns, our banking partner, Lincoln Savings Bank, will investigate any transactions suspected to be fraudulent once they are reported to our Customer Support team.
Can I return my card?

If you would like to return your card and ensure it is properly disposed of, please mail the card in a security envelope to the address below. We recommend deactivating your card prior to shipping. Acorns Attn: Card Department 5300 California Ave Irvine, CA 92617
Can I set up Apple / Android Pay?

Your Acorns debit card will be automatically added to either Apple Pay or Android Pay when you activate it.
Is there a fee to replace my card? How many times can I replace my card?

There is no fee to replace your Acorns debit card.
I never got my card, what do I do?

Generally, an Acorns debit card orders take about 14 business days to arrive. If you've ordered an Acorns debit card and it has not arrived within 14 business days, you can request a replacement card within your Acorns account by taking the following steps: For Mobile: Log onto your Acorns m
Can I request a new card with the same number?

If your Acorns debit card is damaged and still in your possession, you can request a new one right in your Acorns app. For further assistance with requesting a new Acorns debit card, please contact Acorns Support.
Why did I receive an Acorns debit card if I canceled my Acorns Checking account?

Once you sign up for an Acorns Checking, a card is ordered shortly thereafter. Although we've gone ahead and canceled all of your accounts, we are not always able to prevent your card from shipping. Please note if you do receive your card, it will be deactivated.
Can I view my FICO score?

Acorns Checking does not provide FICO scores at this time.
Can I have an Acorns Later account if I live in a US Territory?

To have an Acorns Later account, you must have taxable United States income. This includes bonuses, side hustles, alimony and any other forms of taxable income. Without income that is taxable by the United States, you do not qualify for an Acorns Later IRA.
What are Round-Ups?

When you make a purchase with your Acorns Visa™ debit card or another linked card, Acorns rounds up your transaction to the nearest dollar and invests the change into your Invest account portfolio. Round-Ups made from your linked cards are set aside until they hit a $5 threshold an
How do I adjust my Round-Ups settings?

To adjust your setting for Round-Ups, follow the below steps: After logging in to your account, tap or click on "Invest for your future" Tap or click on "Round-Ups Settings" You can adjust your settings: Turn on/off automatic Round-Ups Add/change a multiplier (2x, 3x or 10x) Choose Whole Dol
What are multipliers for Round-Ups?

You can multiply your Round-Ups by 2x, 3x or 10x to make sure they work best for your goals.
What are Whole Dollar Round-Ups?

When you make a transaction that’s an even dollar amount, you can choose how much you invest into your Acorns Invest account. It can be anywhere from $0 to $1. You can choose the amount by following the below steps: For Mobile: After logging in to your account, tap "Invest for you
How do I know if I have Round-Ups available to invest?

You’ll see a plus sign (+) next to the transaction if it’s ready to be invested. To see your Round-Ups follow the steps below: After logging in to your account, tap or click on "Invest for your future" Tap or click on "Round-Ups" You will see a section titled "Waiting to be invest
How will I know if my Round-Ups are invested?

Just look for the Acorns logo next to your transaction. To see your Round-Up transactions, follow the steps below: After logging in to your account, tap or click on "Invest for your future" Tap or click on "Round-Ups" Any transactions with the Acorns logo have been invested
Why don’t Round-Ups appear as soon as transactions occur?

Transactions need to settle before the Round-Ups appear in your Acorns app.
What if I don’t want transactions to be tracked on one of my cards anymore?

You can stop the tracking of your purchases from your linked cards by following these steps: For Mobile: After logging in to your account, tap the menu (avatar) in the upper left corner of the screen Tap "Settings" Tap "Linked Accounts" Tap the bank you want to stop tracking
Can I speak to someone about depositing a check?

Absolutely! If you have any questions, we are available 24/7 and you may reach us at: 855-739-2859.
When I deposit a check, how much will be available at the time of deposit?

If you deposit a check by 2:00 pm PST, Monday through Friday, the funds will be available in your Acorns Checking account by the next business day. For example, funds from a deposit made at 12:00 pm PST on Thursday will be available the next business day, Friday. If you deposit a check on Satu
What are Real-Time Round-Ups?

When you make a purchase with your Acorns Visa™ debit card, Acorns rounds up your transaction to the nearest dollar and invests the change into your Invest account. If your Round-Ups are set to automatic, Round-Ups from your Acorns Visa™ debit card are pulled from your Acorns
Where is the money pulled for Real-Time Round-Ups?

Real-Time Round-Ups work a little different than other Round-Ups. The spare change is pulled from your Spend account, not your linked primary checking account; however, if Acorns Spend is linked as your primary checking account, both regular Round-Ups and Real-Time Round-Ups would be pulled fr
How long does it take to see my real time Round-Ups in my Acorns app?

Once the card transaction occurs, real-time Round-Ups investments are created immediately for most transactions; however, it may not be invested until the market is open. Some may take a little longer to appear if, for example, it’s a purchase where you also leave a tip. To view your rea
How do I get Real-Time Round-Ups?

Real-Time Round-Ups are only available using your Acorns debit card. Make sure your Round-Ups are set to automatic: After logging in to your account, tap or click on "Invest for your future" Tap or click on "Round-Ups Settings" Toggle "Set to automatic" to ON and tap or click on "Save" or "Co
How do I fund my Acorns Checking account?

You can currently fund your Acorns Checking account four ways: Direct deposit Recurring deposit One-time deposit Mobile check deposit How do I set up direct deposit to Acorns Checking? To set up a direct deposit from your paycheck, please follow the steps below: Log in to your Acorns accou
How do I close my Acorns Checking Account?

To close your Acorns Checking account, follow the steps below: For Mobile: After logging in to your account, tap the menu (avatar) in the upper left corner of the screen Tap "Settings" Tap "My Subscription" Tap "Close account" and we’ll guide you through the process For Web: After log
Issues with Uploading my Tax Form

If you are experiencing issues uploading your 1099 tax form when filing your taxes, please confirm that all spaces are removed from your Document ID when using this to upload your form. The Document ID can be found at the top of your 1099 form.
How do I turn on Two-factor Authentication on my account?

Here’s how to help protect your information with Two-Factor Authentication: After logging in to your account, tap on the menu (avatar) in the upper corner of the screen Tap "Settings" or click on "Profile & Settings" Tap or click on “Personal info” Under Contact Info, yo
How do I change my phone number?

To change your phone number: For Mobile: After logging in to your account, tap the menu (avatar) in the upper left corner of the screen Tap "Settings" Tap “Personal Info” Update your phone number For Web: After logging in to your account, click on the menu (avatar) i
I am paying $2 per month for my Acorns subscription, what subscription tier am I on?

To help customers make the most of Acorns, we discontinued our $2/month tier, and bundled our core products, Invest, Later, and Acorns Checking, into Acorns Personal. Acorns Personal is our all-in-one tier and allows customers to tap into our full financial wellness system to save and invest e
How do I downgrade my Acorns subscription?

Heads up, if you are downgrading to a tier with fewer products, you will need to fully liquidate and close the existing products first, and there may be tax implications. We’ll guide you through the process, though you will be responsible for determining your personal tax implications
How does Acorns Early work?

Although children cannot invest on their own, Acorns Early lets you invest in the future of children in your life. Because it is a custodial account, the child you opened the account for will not be able to access the account until they reach adulthood. Acorns Early works like you
How much money do I need to open an Early account?

You can start investing for the future of a child you care about with just $5! You can make One-Time Contributions any time and even set up a Recurring Contribution!
When can kids access money in their Early accounts?

Children can access the funds in their Early account when they reach adulthood. This may be anywhere from 18 to 25. Your state of residence will determine which rules apply to you.
Do I have to be an Acorns customer to open an Early account?

Yes, to open an Early account you must be a verified Acorns customer. Click here to sign up for an Acorns account. Once you have signed up for an Acorns account, select “Early for kids” on the Home screen to sign up for Early.
How is the portfolio for my Early account selected?

All Early customers are placed into our “Aggressive Portfolio” because of the age of the beneficiary. Given the child’s young age, there’s an opportunity to accept more risk in exchange for seeking a greater potential reward over time.
Can I roll over a 529 or another custodial account into my Early account?

At this time we do not support asset transfers. However, if you already have a custodial account, you can open an Early account and transfer over the funds using your linked bank account. Due to 529 legal requirements, you cannot transfer 529 funds into Early. However, you can still ope
Why would I invest in an Early account instead of a 529?

You can use the funds you invest in Early for any expense that benefits the child named on the account. Funds held in 529s, on the other hand, can only be used for qualified educational expenses.
What is an UGMA/UTMA?

The Uniform Gift to Minors Act or Uniform Transfers to Minors Act allows the custodian, such as a parent, grandparent, relative, or friend, to open an account for a beneficiary, such as a child or grandchild. This is normally between 18 and 25, depending on the state the custodian resides. The
Can I open an Early account if I live in a U.S. Territory?

Early accounts must be associated with an eligible U.S. state or territory, so that you can determine the legal age of transfer. This is the age the child must be for the account to be transferable to them. Since UGMA/UTMAs are only supported in two of the five territories, Guam and US Virgin
Can I open an Early account if I am in the Armed Services?

Yes, you can open an Early account if you are in the armed services. Early accounts must be associated with an eligible U.S. state or territory, so that you can determine the legal age of transfer. This is the age the child must be for the account to be transferable to them. Customers in the a
How do I set up an Early account?

You can set up an Early account in less than 3 minutes. Please complete the following steps in your Acorns account to go through the Early sign-up process: 1. Log into your Acorns account 2. Select the “Early for kids” shortcut on the Home screen 3. Complete registration for the ch
How do I add another child?

To create an Early account for another child: 1. Log into your Acorns account 2. Select the “Early for kids” shortcut on the Home screen 3. Scroll on the “Early” screen to the “Add a Child” card or in the top right corner tap the add a child icon 4. Input th
Can I open an account for a child that is not mine?

Yes, you can open an account for any child whom you would like to invest for. You just need their legal name, date of birth, and Social Security number.
How do I set up a Recurring Investment for an Early account?

Investing on a consistent basis is the best way to help an Early account grow. To set up a Recurring Investment in an Early account: Log into your Acorns account Select the “Early for kids” shortcut on the Home screen Select the child’s card that you would like to set a Recu
How do I make a withdrawal from an Early account?

To make a withdrawal from an Early account: 1. Log into your Acorns account 2. Select the “Early for kids” shortcut on the Home screen 3. Select the card of the child 4. Select withdraw from the top quick actions on the Account Details page Please note that withdrawals take
How do I cancel an investment for an Early account?

To cancel a pending transaction: 1. Log into your Acorns account 2. Select “Early for kids” shortcut on the Home screen 3. Select the card of the child 4. Scroll down to the “Recent Activity” card and select “View More” 5. Select the pending investment you
How do I find all of the investments in an Early account?

To view Early account activity: 1. Log into your Acorns account 2. Select “Early for kids” shortcut on the Home screen 3. Select the card of the child 4. Scroll down to the “Recent Activity” card and select “View More” to see all investment activity&n
How much is an Acorns Early account?

Acorns Early is in the $5 subscription tier that includes Acorns Invest, Later, Earn, Grow, and Acorns Checking. (You must have an Acorns Invest account to open any additional Acorns accounts.) Invest — an investment account for your future Later — a retirement account for your
What’s included with Acorns Early?

Acorns Early lets you start investing for the future of the children in your life. In addition to your personal Acorns Invest account and investment accounts for the children in your life, Acorns provides access to the following features and accounts at the $5 tier: Invest — an invest
Can I open an Early account for all of my children?

Yes, you can open an Early account for all of the important children in your life through your $5 Acorns subscription.
Can I withdraw whenever I want? Are there penalties?

Yes, you can withdraw, penalty-free, from an Early account whenever you want. Remember, though, that any funds you withdraw must be used to benefit the child named on the account. Check with your financial advisor to see what requirements you may need to meet.
What if I want to close an Early account? Can my account be reopened?

To close an Early account: 1. Log into your Acorns account 2. Tap the menu in the top left corner 3. Tap on “Settings” 4. Tap on “My Subscription” 5. Scroll down to the bottom of your subscription and select “Close Account” 6. Select Early from the dro
Where does the money come from to fund my Early accounts?

The funds that you invest in an Early account will come from the same bank account that you set up to fund your Invest, Later, and Acorns Checking accounts. To view what account you set up to fund your investments, please complete the following steps: For Mobile: After logging in to yo
What if I have more than one child?

You can open an Early account for all of the important children in your life at the $5 subscription tier. For example, an Acorns customer with Invest, Later, Acorns Checking, and three Early accounts will still only pay a $5 monthly subscription fee.
How do I see Early account balances?

To view the value of an Early account: 1. Log into your Acorns account 2. Select “Early for kids” on the Home screen 3. Scroll to a child’s card to see the account balance
What do I need to open an Early account?

You can open an Acorns Early account for any child under the age of 17, whether they’re your own child, a niece or nephew or even the child of a close friend. All you need is the child’s full name, date of birth, and Social Security Number.
How do I enter the Acorns Babies promotion?

To enter our “Acorns Babies” promotion, follow these steps: 1. Open your first Acorns account on or after June 22, 2020 and before March 1, 2021. 2. Subscribe to the Acorns Family tier. 3. Complete your Acorns Early account, including the child’s social security number
How do I upload my baby’s birth certificate for the free Acorns Babies promotion?

To enter our “Acorns Babies” promotion, follow these steps: 1. Open your first Acorns account on or after June 22, 2020 and before March 1, 2021. 2. Subscribe to the Acorns Family tier. 3. Complete your Acorns Early account, including the child’s social security number
How do I get the Acorns Early referral bonus?

To get your Acorns Early referral bonus, follow these steps: 1. Create an Acorns Early account by July 31, 2020. 2. Make an initial investment into your Early account of at least $5 before July 31, 2020. 3. Invite a friend using your Acorns referral link or code, or by tapping Settings
When will I get my Acorns Early referral bonus?

If you have completed the eligibility requirements for the Acorns Early referral bonus, you and your friend(s) will receive the first $5 each within 5-7 business days from making your first Acorns investment of at least $5. You will receive the remaining $45 bonus investment(s) per frie
Is there a limit to how many times I can go to an ATM?

There is no limit to how many times you can go to an ATM, but for your protection, there is a $500 daily withdrawal limit.
Will I get charged by Acorns to check my balance at an out of network ATM?

We do not charge any fees, but the third party ATM operator may. Instead, we recommend checking your balance for free right in your app. If you need to check your balance at an out-of-network ATM, double check that they will not charge you a fee.
Will I be charged for using an international ATM?

Good news! If you use an Allpoint ATM, you won’t be charged a fee — wherever you are. You can find Allpoint ATMs in the United States, Canada, United Kingdom, Puerto Rico, Australia, and Mexico. To find the nearest Allpoint ATM, use the ATM Locator found in the Bank smarter section
I just tried to take out cash at an out-of-network ATM but it was declined even though I had enough in my account. Why?

In order to withdraw cash from an out-of-network ATM, you need to have sufficient funds to cover both the withdrawal amount and any fees the ATM operator may charge you. If your account doesn’t have the funds to cover both the withdrawal and the fees, the transaction will be declined. It
Does Acorns still reimburse ATM fees?

We do not reimburse ATM fees, but provide more than 55,000 fee-free ATMs globally. That way, you no longer have to wait for a fee reimbursement. Just easily find a fee-free Allpoint ATM using the ATM locator right on your Acorns Checking screen. You’re still welcome to use ou
I was charged a fee when I used an Allpoint ATM. How can I get a refund?

We’re sorry to hear that this happened. Please contact us and we will be able to further assist you. Please make sure you have the details of the transaction in question, such as the time/date of the withdrawal, ATM location, withdrawal amount, and fee amount.
Where can I find an Allpoint ATM? How can I make sure I’m using an Allpoint ATM?

You can find the nearest Allpoint ATM by using the ATM Locator in the Bank smarter section of the Acorns app. Make sure you’re on the latest version of the app to ensure you have the best experience. If you’re unable to access our ATM locator, you can also use Allpoint’
Can I still use ATMs outside of the Allpoint network? How much does it cost?

Yes, you may still use ATMs outside of the Allpoint network, but you may incur a fee set by the ATM operator (Acorns does not charge any fees for ATM usage). These fees vary depending on the ATM you are using. To avoid fees, just use our ATM Locator in the Bank smarter section of your app to f
What is the Allpoint ATM network? Why is Acorns partnering with Allpoint?

Acorns is partnering with Allpoint, which provides a network of 55,000+ ATMs globally, giving you fee-free access to cash when you need it. Enjoy cash withdrawals with no fees when you use a fee-free Allpoint ATM. Plus, you can access Allpoint ATMs in these countries outside of the U.S.: Canad
Is Dwayne Johnson an Acorns Investor?

Yes! We are proud to have Dwayne Johnson and Dany Garcia as investors in our company.
Do I have to be a U.S. citizen to get the Dwayne Johnson promotion?

Acorns Early is only available to United States citizens or permanent United States residents with a valid social secuirty number (SSN) or tax payer identification number (TIN). If you are not eligible at this time, stay tuned! One of our values is Never Stop Growing, so we look forward
How does Early Gifts work?

Gifting is an Acorns Early feature where friends and family with a United States bank account and a billing address in the United States can contribute to a child’s Early account. If you’d like your friends or family to make a gift, you can simply share a link, and they can give th
How can my friends and family contribute to an Early account?

To share your custom Early Gifts link to friends and family so that they may invest in your child’s future, simply follow the steps below: Log into your Acorns account Select “Early for kids” shortcut on the Home screen Select the child Select the “Gifts&r
Can anyone contribute to an Early account?

Anyone with a debit card, billing address in the United States, and a United States bank account can make an Early Gifts contribution to a child’s Early account.
Why is there a processing fee for Early Gifts?

At checkout, an Early Gift giver will see the processing fee before they confirm payment. When the Early Gift giver uses their debit card, the card processor charges Acorns certain fees. Acorns will use the processing fee to cover the cost issued by the card processor.
Why is my Acorns debit card taking so long?

Generally, new cards will take 7-10 days to arrive. If you have not received your card after two weeks, please reach out to us here and we will be happy to issue you a new card!
What is Smart Deposit?

What is Smart Deposit? Smart Deposit is a feature of Acorns Checking that automatically allocates a portion of your direct deposit into Invest, Later, Early, or a combination of all three, to help you invest your money as soon as you get it. Like most of what we do, Smart Deposit is meant to m
Can I change the age of transfer for my Early account?

Once you enter the child’s name, date of birth, place of residence, and SSN, you cannot change the age of transfer. The age of transfer is set at the time the account is set up, which is required by the applicable gifting to minors laws. We cannot alter this date once the SS
What is the Acorns Path to $1,000,000?

The Acorns Path to $1,000,000 is a roadmap to financial wellness that lays out the steps customers can take to grow their wealth. The most important step you can take to improve your financial wellness is to stick with it - so you’ll earn entries to win $1,000,000 just by being an Acorns
When will the investment/prize be paid out for Acorns Path to $1,000,000?

The Acorns Path to $1,000,000 sweepstakes ends on December 15, 2021. The potential winner will be randomly selected before the end of 2021. For more information, please feel free to visit https://www.acorns.com/pathtoonemillion/
How long does the Acorns Path to $1,000,000 run for?

The Path to $1,000,000 starts on January 25, 2021 and ends on December 15, 2021. The Acorns Path to $1,000,000 goes on throughout 2021!
What is the maximum amount of entries I can earn/receive for Acorns Path to $1,000,000?

The maximum amount of entries you can receive for this promotion is 250 for each customer. More information can be found at https://www.acorns.com/pathtoonemillion/
How can I earn entries for the Acorns Path to $1,000,000?

As long as you’re an Acorns customer by December 15, 2021, you’re automatically entered in Acorns Path to $1,000,000! You can visit https://www.acorns.com/pathtoonemillion/ for more information on what milestones you can take to earn entries!
What happens to my Acorns Path to $1,000,000 entries if I close my account before December 15, 2021?

If you close your account prior to December 15, 2021, you will lose any entries you’ve earned for the Acorns Path to $1,000,000. Additionally, if you close your account(s) during 2021 and reopen them later in the year, you will not retroactively receive the entries you earned prior to yo
Can I still earn entries for Acorns Path to $1,000,000 if I open a new account after the program begins?

Yes! The Acorns Path to $1,000,000 will run throughout 2021 and as long as you reach the milestones prior to December 15, 2021, you are eligible to earn entries.
How will the winner receive the $1,000,000 investment for the Acorns Path to $1,000,000 promo?

The winner will receive the investment to their Invest account. Taxes will be withheld before it is awarded to the customer's account.
What are the Acorns Checking Cash, Purchase and Transfer Limits?

Acorns Checking has built-in limits on all transaction types. These transaction limits cannot be raised. Daily Limits Max to push into Acorns Checking: $7,000 Max to pull out of Acorns Checking: $7,000 Max check deposit limit: $5,000 or 3 total transactions Max transaction limit (card s
Can I transfer stocks from Robinhood to Acorns?

Thanks for your interest in moving stocks from Robinhood to Acorns! At this time, we do not offer the option of transferring stocks into Acorns from Robinhood or any other brokerage firm.
Why did I receive a postcard from saytechnologies.com?

As a regulated company, Acorns is required to provide all notices with new information whenever it pertains to the ETFs that are included in our portfolios. Normally, these notifications are sent by email, but in the event we cannot send them to you by that method, you may receive
Can I review my prior Acorns Checking account statements and transactions?

You can download any past statement including those from a previously closed Acorns Checking account. To do this, please log in from a computer at www.acorns.com and follow the steps below: Click on the menu (avatar) in the upper right corner of the screen Click on "Profile & Sett
How do I reopen an Acorns Checking account?

We are working to make this option available to all eligible customers. If you’ve received an email or app notification from us that this has been enabled for you, you can sign up for Acorns Checking again with the following steps (please note that an Acorns Support representative will n
How will reopening my Acorns Checking account alter my subscription?

The Acorns Checking account is included with both the $3 Personal tier and the $5 Family tier. If you are already an existing customer in one of these tiers, your subscription will not change. If you are reopening your Acorns account entirely, you will be placed in the $3 Personal Tier. You ca
How do I choose an Investment Portfolio?

Acorns will recommend a portfolio for you based on your age, time horizon, income, goals, and risk tolerance. Of course, you may choose a more or less aggressive portfolio than our recommendation and you are free to change it at any time. Please complete the following steps to change your port
Can I invest in specific companies?

We do not offer the ability to invest in specific companies. Acorns offers our customers the opportunity to begin investing into a managed portfolio. This means that Acorns will choose your investments and allocate your funds to those investments based on the risk level of the portfolio. Our c
What should I do when the market is down?

Diversified portfolios, like your Acorns portfolio, are designed to handle the stock market’s frequent ups and downs. As long as your current financial situation and investing goals haven’t changed, your portfolio probably doesn’t need to, either. Remember: The market can go
How often should I invest money?

We believe in the power of frequent, small investments. That’s why we help you start investing with as little as $5. Regular investments—whether through Round-Ups or by setting up a Recurring Investment every week or month—allow you to take advantage of something called dolla
What is Overdraft Intelligence?

Acorns has an agreement with some of the major banks, where if a deposit is attempted that may put your Primary Checking account under a certain amount (usually around $25), our system will flag it as a deposit that may not complete and it is automatically canceled. For example, if there is $3
Can I transfer my funds to another brokerage firm?

Yes, we can do what's called a Non-ACAT Transfer. Acorns Securities, LLC can only transfer whole shares, as stated in our Program Agreement, to process asset transfer requests (section B5). The remaining balance will need to be liquidated to return to your connected checking account. Please al
Why are my Round-Ups Unavailable for my bank?

In order to fix this “Round-Ups Unavailable” error, it’s best to first understand the difference between linking your account to Round-ups and linking an account as your Funding Source. The connection with Acorns to your Funding Source is separate from the connection with
How can my company be an Acorns Earn partner?

To get into contact with our marketing team for a possible partnership with Acorns, please send an email to partners@acorns.com.
Can I set up a joint account?

At this time, Acorns does not support joint ownership of an account. Acorns is designed for personal investing, so each portfolio is recommended based on individual circumstances and goals. For this reason, we cannot create joint accounts, but you may have a joint personal checking account con
Can I change my notifications settings?

You can change your notifications by going to Notifications in settings. For Mobile: After logging in to your account, tap the menu (avatar) in the upper left corner of the screen Tap "Settings" Under "Device", tap "Notifications" Toggle on/off your preferred notifications For Web: After lo
What is Acorns Privacy Policy?

Acorns is committed to maintaining the confidentiality, integrity, and security of any personal information about our users. Acorns stresses its privacy and security standards to guard against identity theft and provide security for your personal information. We regularly re-evaluate our
How do I activate my Acorns debit card?

You will receive an in-app notification to activate your card when your Acorns debit card is delivered. If you are unable to locate this notification, you can also activate your card here or by taking the steps below: After logging in to your account, tap "Bank smarter" Tap the Gear ic
Is my Acorns Checking account FDIC insured?

Yes! All Acorns Checking Accounts are insured by the FDIC up to at least $250,000 per depositor, per ownership category. FDIC insurance applies only to accounts held in the United States and its territories and possessions. For details, please refer to the brochure published by the FDIC or vis
What's the difference between Automatic Round-Ups and Manual Round-Ups?

Automatic Round-Ups Once you link an account to your Acorns Account, Acorns will round-up each transaction to the nearest dollar for each active Round-Ups account. Once the Round-Ups calculation accrues to $5 or more, Acorns will automatically initiate the investment into your Account from you
How do I set up Round-Ups?

Once you’ve connected a checking account or a debit/credit card, Acorns will round-up each transaction to the nearest dollar. We track that leftover spare change and, once your Round-Ups add up to at least $5, invest it for you in your Invest account. These investments will be *
How do I turn on Automatic Round-Ups?

In order to automatically invest your spare change, you will need to turn on the “Automatic” setting. Once automatic is set to on, future Round-Ups will be invested automatically once your Round-Ups reach at least $5. Please complete the following steps to turn on automatic Round-U
How can I resolve issues with my Round-Up Accounts?

If you are experiencing issues with your Round-Up account(s), please try these steps below: Log in to your online bank through a desktop browser, not your mobile banking app Once you’ve logged in to your bank, click here to go back into the Acorns app and relink your bank account b
Why is my linked account not showing up for Round-Ups?

Your Financial Institution may temporarily prevent Acorns from monitoring some or all of the sub-accounts connected to your online banking. If you’re linking your account and are unable to view the sub-accounts associated with your financial institution, please proceed with the following
How do I link my PNC Bank account?

Please complete the following steps to link a your PNC Bank account for Round-ups: For Mobile: After logging in to your account, tap menu (avatar) in the upper left corner of the screen Tap "Settings" Tap "Linked Accounts" Tap "Link another account" Type "PNC" in the search bar and tap
Can I link a prepaid card?

While you're able to connect some prepaid cards as Acorns Round-Up Accounts, Acorns does not allow investors to link prepaid cards as a funding source. With that being said, all investments must be funded by a conventional checking account. You are able to link a checking account as
What do I do if I see unauthorized transactions?

In order to begin our investigation into this transaction, please fill out a Dispute Form where you will be prompted to log in and fill out required information to file a dispute. In order to access the Dispute Form, please: Visit https://www.acorns.com/support/ page In the top right-han
Can I send a check using my Acorns Checking account?

Acorns does not currently provide physical checks or checkbooks for Acorns Checking accounts. Additionally, please note that ordering a checkbook using your Acorns account & routing number will not work. Our Send Check feature allows you to send a physical check via USPS to the desired rec
Will I be charged a fee if I withdraw money from my Acorns Checking account at an ATM?

Acorns has partnered with Allpoint, which provides a network of 55,000+ ATMs globally, giving you fee-free access to cash when you need it. When you use your Acorns Visa debit card at an Allpoint ATM, there will be no fee. You can use the ATM Locator found in the Acorns Checking section of the
What is Job Finder?

We partnered with ZipRecruiter, the leading online job board, to power our Job Finder experience. If you experience any issues with a job please contact ZipRecruiter directly. To help with this, please use the following resources: If you are a job seeker and are having issues applying to jobs
How do I change my Smart Deposit?

You can change your Smart Deposit at any time, by following the steps below: After logging in to your account, tap "Spend smarter" Tap "Direct deposit" to edit your Smart Deposit settings Once you've saved those settings, Smart Deposit will automatically use them the next time you are paid
What's the difference between the different Smart Deposit distribution options?

When we built Smart Deposit we knew that one size doesn’t fit all—especially when it comes to money. Smart Deposit lets you personalize how you invest your money and puts it on auto-pilot. There are 5 different automatic distributions between your Invest and Later accounts designed
Why should I use Smart Deposit over Recurring Deposits?

Smart Deposit simplifies and saves time. Instead of managing multiple transfers across your accounts, set your savings rate for your paycheck in your Acorns Checking and let Acorns take care of the rest. Can I use both Smart Deposit and recurring deposits? Sure! Using Smart Deposit will
Can I transfer funds between my Invest and Later accounts?

Acorns currently does not support transferring money between Invest accounts and Later accounts.
What are the current referral promotions?

The Acorns Referral Program consists of limited-time promotional offerings. Please review the offerings found on our referral promotion terms page to see which promotions are available to you under the Acorns Referral Program at the time you make referrals.
Is Acorns a good investment?

We believe that your future is a good investment, so it’s our mission to look after your financial best interests. That’s why we’ve created diversified portfolios designed to maximize the potential rewards for your given level of risk. But with any investment, it’s impo
What is a Dividend?

What is a Dividend? A dividend is a periodic payout of earnings that some companies share with investors. Think of it as a little bonus on top of regular returns. Are Dividends reinvested? Acorns automatically reinvests your dividends for you, which can help your investment balanc
How do I get brands to invest in me?

When you shop with our Acorns Earn partners, you can automatically earn investments in your Acorns Invest account! Here are some general tips for completing an eligible Acorns Earn transaction: Please ensure that ad-blockers or cookie blockers are disabled on your device Please ensure that yo
How do I set up a Later Account?

Acorns Later is only available in the Personal ($3/month) or Family ($5/month) subscription tiers. To open an Acorns Later Account, follow the below steps: For Mobile: After logging in to your account, tap the "Set up" button next to "Later starts today" Tap "Next" Answer the survey que
How do I set up a beneficiary for my Acorns Later account?

To set up a beneficiary for your Acorns Later account, please take the steps below: Log in to your Acorns account Tap on "Later starts today" Tap on "Beneficiary" Enter the information for the person you'd like to designate as your beneficiary (Please note your beneficiary must be at least 18
What is Acorns Harvest?

Acorns Harvest automatically negotiates bank and credit card fees on your behalf using AI and Machine Learning technology. Its mission is to look after “Financial Progress for the 99%.” In 2020 alone, Harvest has helped earn back more than $4M in bank fees and interest refunds for
Why did Acorns make the decision to acquire Harvest?

Acorns and Harvest are aligned in mission, vision, values, customer focus, and goals. The Harvest product helps people earn back money so they can build a better future. The talented Harvest team shares our passion for the mission.
What does Acorns Harvest do?

Acorns Harvest has developed a wide array of features to help you become more aware of your financial practices, improve your financial health and thus achieve a more stable financial future. Keep track of your financial health with PRO Index. The proprietary rating takes into account what y
How do I get started with Acorns Harvest?

Getting started with Acorns Harvest is a 3-step process: Signing Up Linking a Bank Account Submitting for Auto-Negotiate Some of these steps require multiple sub-tasks but this article will outline exactly how to go through the process so we can help you get your fees back. Step 1: Sig
How can I find out more about the Acorns Harvest?

You can learn more about Acorns Harvest at https://www.joinharvest.com/
How can I contact Acorns Harvest?

Harvest has four main ways you can reach out to us with questions, comments, or feedback. You can send a message through the Support button on the bottom right corner of the Harvest website. Be sure to include your name and the email you signed up with and Harvest Support will get back
My Round-Ups have stopped, what happened?

If your Round-Ups stopped processing, please review the checklist below to ensure your Round-Ups are On: Ensuring your Round-Ups are Turned On You can view this by going to ‘Invest for your Future’ Select ‘Round-Up Settings’ Check that ‘Set to automatic&rsq
What is Smart Deposit?

Smart Deposit is a feature of Acorns Checking that automatically allocates a portion of your direct deposit into Invest, Later, Early, or a combination of all three, to help you invest your money as soon as you get it. Smart Deposit helps you put money away for your future, without even think
How do I set up Smart Deposit?

Follow these simple steps to start automatically investing, from each paycheck! From the Acorns Home screen click “Bank Smarter” Scroll down and tap the “Get Started” button on the Smart Deposit card Enter your estimated monthly direct deposit amount. We’l
How do I turn off Smart Deposit?

You can turn off Smart Deposit anytime by following these steps: Navigate to your Acorns Checking home screen and tap the Smart Deposit widget. Tap the triple-dot icon in the top right corner. Tap “Turn off Smart Deposit”. Your Smart Deposit settings will be turned
How do I edit my Smart Deposit?

You can update your Smart Deposit settings any time. Please follow these steps to make changes to your Smart Deposit settings From the Acorns home screen, select “Bank Smarter” Scroll down and tap the “Smart Deposit” widget to expand it Tapping “Edit&rdquo
How much should I allocate to each account for Smart Deposit?

Based on your investor profile, Smart Deposit will suggest how much to invest into each Acorns account. You can invest using the Smart Deposit suggestion, or pick how much you want to put into each account. We hope this makes it easier to save and invest from every paycheck!
When does my Smart Deposit allocation happen?

You will receive an email and push notification when we receive your paycheck direct deposit. From here, you can make any last minute adjustments to your Smart Deposit settings. Then, 18 hours from receiving your paycheck, you will receive a second email and push notification when we have au
Does Smart Deposit work with Early?

You can put part of paycheck into your Invest, Later, and Acorns Checking accounts. Right now, Smart Deposit does not include an option to invest in Early. But, stay tuned for exciting updates to the Smart Deposit feature!
How do I cancel a single Smart Deposit allocation?

If you are looking to cancel the next Smart Deposit distribution please follow these steps: From the Acorns home screen tap “Bank Smarter” From your Acorns Checking home screen, scroll down and tap the Smart Deposit widget. Tap the triple-dot icon in the top right corner.
Can I set up Smart Deposit if I receive multiple paychecks?

Yes! If you have one or more direct deposit paychecks from your employers, you can set up Smart Deposit for each paycheck. To set up multiple paychecks with Smart Deposit, you’ll need to add another Direct Deposit. To add another paycheck, follow these easy steps: From the Aco
How do I view my Smart Deposit History?

When you make a change to your Smart Deposit settings, they are immediately saved. Any changes that you make will apply to the next paycheck as long as it hasn't been distributed yet.
How Long does it take for my changes to be applied to my Smart Deposit settings?

When you make a change to your Smart Deposit settings, they are immediately saved. Any changes that you make will apply to the next paycheck as long as it hasn't been distributed yet.
How do I get a copy of "Grow Your Oak"?

"Grow Your Oak" is a children's book that is free to all customers who sign up for Acorns Early. To download a copy of "Grow Your Oak," follow the below steps: Log in to your account from our webpage Click on "Early for kids" Click on "Get your free copy to download Please Note:
My loved one has passed away, what do I need to do to close their account?

We offer our sincerest condolences for your loss. In order to release funds from the deceased customer's account, please provide the below documents: A copy of the death certificate and any other legal documents (i.e. affidavit of domicile, estate affidavit), if available, to verify the dece
How much can I withdraw from my Later account?

You are able to withdraw from your Acorns Later account at any given time; however, the maximum withdrawal limit per transaction is $50,000. With any IRA, there are often tax implications for early withdrawals or transfers (generally a 10% penalty and possibly income taxes and/or other penalti
How do I update my contact info for Two Factor Authentication?

To update the contact info linked to Two-Factor Authentication, please follow the steps below: Visit Settings, then select Personal Info Under Contact Info, you will see your phone and email. Select either to begin setting up 2FA You will then be prompted to select the "Next" button to
Can I turn off the Two Factor Authentication feature?

To help protect your Acorns account, and ensure its security, Two-Factor Authentication is mandatory and cannot be disabled. We cannot disable Two-Factor Authentication but we can help you update the contact information if necessary. See how to do so here.
Suspicious Account Activity

If you see any activity on the account that is not recognized, please reach out to our Acorns Support team as soon as possible.
Where is my 1099-DIV/B?

Some of the funds that were in your Acorns portfolio tend to report their return of capital in February. To ensure that you have the most up-to-date figures and protect you from needing to refile your taxes, we send your 1099-DIV/B form when the tax form is finalized. Acorns received an exten
Refund Policy

To better assist with any refund-related questions, please feel free to contact our Acorns Support team!
How do I set up Two-Factor Authentication for email only?

If you are having trouble setting up your phone number for Two-Factor Authentication you can always set up 2FA with a verified email address as well. Please note, we only require one piece of verified contact info to set up 2FA. To update the email address info linked to Two-Factor Authenticat
Can I use a landline for Two-Factor Authentication?

Two- Factor Authentication via SMS is not possible with landlines since they cannot receive text messages. The phone number must be attached to an SMS-enabled device. However, you can set up two-factor authentication for email instead. Please follow the steps below to set up Two-Factor A
Do I need to turn Two-Factor Authentication on for both phone and email?

No. You can use either phone or email, or both.
What if I am having trouble receiving my Two-Factor Authentication verification code?

If you are unable to set up Two-Factor Authentication using your SMS-enabled phone or email address, feel free to contact Support at (855) 739-2859.
Under what circumstances will Two-Factor Authentication activate?

For Two-Factor Authentication, you will only be challenged through the following scenarios: Suspicious logins Updating your phone number or email address in-app For suspicious logins, we require you to verify Two-Factor Authentication and to reset your login password when challenged si
Can I Receive a Second Debit Card for my Acorns Checking account?

At this time, Acorns does not offer joint accounts and this includes your Acorns Checking account. Since joint accounts are not available, we do not offer additional Acorns debit cards for additional users other than yourself.
Close Individual Accounts or Cancel Your Subscription

At Acorns, you have the ability to close individual accounts or cancel your subscription entirely. Below you can find information on how to accomplish this. To close individual accounts For Mobile: After logging in to your account, tap the menu (avatar) in the upper left corner of the
What are Sustainable Portfolios?

Acorns’ “Sustainable portfolios” are made of varying combinations of Exchange Traded Funds (ETFs), which invest in individual companies focused on their environmental, social, and governance business practices or their Morgan Stanley Corporate International (MSCI) ESG
How do I get a Sustainable portfolio?

If you are an existing customer, you should see the option to switch to a Sustainable portfolio for your Invest, Later, or Early account. Please note, if you are currently in the conservative Core portfolio, you will not see a comparable conservative Sustainable portfolio option. Pl
What ETFs are in the Sustainable portfolios?

There are four different Acorns Sustainable portfolios that you can choose from, each portfolio is composed of exchange-traded funds — ETFs for short. Overall, the goal of each ETF within the Sustainable portfolio is designed to meet the Environmental, Social, or Governance criteria. The
Are there any tax considerations I should be aware of before switching to Sustainable portfolios?

Yes. When you elect to change from a Core portfolio to a Sustainable portfolio, Acorns must sell the ETFs underlying your Core portfolio and then purchase shares in the ESG ETFs. The sale of securities is a potential taxable event and you may want to discuss with a tax professional whether ch
How did Acorns determine what Exchange Traded Funds (ETFs) are in the Sustainable portfolios offered?

Overall, the goal of each Exchange Traded Fund (ETF) within the Sustainable portfolios is designed to meet the Environmental, Social, and Governance (ESG) criteria. The ETFs included may not meet all three criteria and are rated by a third party, Morgan Stanley Corporate International (MSCI).
Do Sustainable portfolios perform as well as our standard Core portfolios?

The aim of the diversified Sustainable portfolios is to perform in a manner comparable to our standard Core portfolios. Acorns cannot guarantee any rate of return for any portfolio. Similar to the Core portfolios, the Sustainable portfolios were created with the intent to help you stay diversi
How do I turn off Round-Ups?

To turn off Round-Ups follow the steps below: For Mobile: After logging in to your account, tap "Invest for your future" Tap "Round-Ups Settings" Toggle off "Set to automatic" Tap "Save" For Web: After logging in to your account, click the “Invest for your future” Click on
How do I cancel a pending transaction?

Please complete the following steps to cancel a pending transaction for your Invest, Later, or Early account: For Mobile Tap on the account that you made the pending transaction. Scroll to the “Recent activity” card and tap on “View all.” Tap the pending investmen
How do I update my personal information?

You can update your personal information in your user profile under Settings in the Acorns app. Please complete the following steps to update your profile:For Mobile: After logging in to your account, tap the menu icon (avatar) in the upper left corner of the screen Tap "Settings" Tap "Person
My account is locked, how do I get it unlocked?

For your security, we require that you contact the Acorns Support team in order to unlock your account. Note that this will require the confirmation of some personal information.Contact Support
What should I do if my security code is going to the wrong contact information?

When you attempt to connect to a bank through Round-Ups, all security information comes directly from your bank. As such, any incorrect contact information may be indicated as your primary contact method on your banking profile. In order to resolve this issue, it is recommended that you log in
What are the current referral promotions?

The Acorns Referral Program consists of limited-time promotional offerings. Please review the offerings found on our referral promotion terms page to see which promotions are available to you under the Acorns Referral Program at the time you make referrals.
Why did I receive an alert?

Your security is our first priority. If you receive a verification alert, it’s because we want to make sure your information is accurate and up to date when we open your account or make any changes. If you’re an existing investor who has received this alert, we may need to correct
What information do you need if I work for a broker dealer?

We need permission from your compliance department before opening your investment account. Your firm may also require duplicate confirmations and statements (Pursuant to FINRA Rule 3210 and/or NYSE Rule 407). If your firm would like to see our program agreement, please direct them to page B-1
Is Acorns available outside the US?

At present, Acorns is only available to US citizens or legal residents who currently reside in the United States. Exceptions are made for active Armed Services personnel that maintain US addresses and are temporarily overseas. For more information, please see our list of jurisdictions. Ac
I Forgot the Answer to My Security Question

If you are having issues with the answer to your security question, please contact our support team using this form.
Why is my Financial Institution blocking third party access?

Some financial institutions have security safeguards that prevent third party applications like Acorns from monitoring your transactions for Round-Ups. While Acorns can’t make recommendations to change or disable security settings with your online banking account, these features may
How can I add my bank if it is not listed for Round-Ups?

Please note that your bank’s listed name may vary from what you are entering into the search field. To manually add your account by using your routing number and account number, simply log in to your account and complete the following steps: For Mobile: Tap the menu (avatar) in the
As a Beneficiary, How Do I Retrieve Funds from an Early Account?

In order to gain access to the funds, beneficiaries will need to set up an Acorns Invest account. After that's been done, they can reach out to us and we can begin the transfer process.
Why is Acorns changing my subscription?

To continue growing our technology, business, and team for our customers, we are upgrading our Acorns Lite customers to Acorns Personal on September 21, and removing Acorns Lite from our Subscription Center. Your subscription will change from $1 per month to $3 per month, billed on your
How long does it take to withdraw money?

Withdrawals may take 3-6 business days to post into your checking account because there is a mandatory 2-day settlement period. The Securities and Exchange Commission (SEC) mandates this period when buying or selling shares in Exchange Traded Funds (ETFs). It’s referred to as Regula
Will I be provided with the proper tax forms?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. Yes! But which tax forms you receive will depend on what kind of account you have with us. Acorns Invest &
When will I see my Earn Rewards?

You should receive an email notification and see your pending rewards in the Earn more money section within 3-7 business days of your transaction, or follow the steps below: For Mobile: After logging in to your account, tap "Earn more money" Tap the dollar amount in the green bubble
Is there a minimum investment required to open an account?

There is no minimum amount required to open an Acorns account, but to begin investing, saving for retirement, or spending smarter, you must have funds in your account. You can do this through Round-Ups, where we automatically invest your spare change, or with an easy One-Time Investment of jus
How Does The Referral Program Work?

When you refer a friend through our referral promotion program, your friend is sent an invitation link. If your friend uses your link, both you and your friend will be rewarded with five dollars or our current, or other applicable, referral promotion amount, which will be deposited in your Aco
Do I need to download another app for Acorns Earn?

No, all you need is an active Acorns Invest account with a linked credit or debit card(s). You can view current offers in the Earn more money section after you log in to your Acorns account. You can also shop using Acorns Earn offers in the Google Chrome browser by installing our Google Chrome
Where can I find new Acorns Earn offers and rewards?

Check out the Earn more money section’s carousel for the latest offers and rewards. You can also shop using Acorns Earn offers in the Google Chrome browser by installing our Google Chrome extension.
Why do I need to wait for my 1099?

Some of the Acorns portfolios included assets linked to real estate. They tend to be affected less by dips in the market, and their dividends tend to be higher. But they take a little longer to report their annual results. To ensure that your 1099 form reflects the most up-to-date figures, and
What is account verification?

The Patriot Act requires financial institutions such as Acorns to obey strict rules governing the verification of individuals seeking to open accounts. We ask for some of your personal information (legal first and last name, home address, SSN, etc.). In order to ensure a speedy sign-up, it&rsq
How do I set up a Recurring Investment?

Follow these steps to set up a recurring investment on a daily, weekly, or monthly basis: For Mobile: After logging in to your account, tap "Invest for your future" Tap "Recurring" Enter the desired amount, frequency, and date settings you would like to invest Tap "Save" For Web: After logg
What is Acorns?

The path to financial success 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. For more, check out how it works.
When do I get my 1099 tax form?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. If you are an Acorns Invest and/or Early customer, we are processing the final adjustments and will make your
Is Acorns available to people outside of the U.S.?

Acorns is only available to residents of the United States. Exceptions are made for active Armed Services personnel that maintain US addresses and are temporarily overseas.
How do I stop a Recurring Investment?

Please complete the following steps to cancel a recurring investment: For Mobile: After logging in to your account, tap "Invest for your future" Tap "Recurring" Tap "Turn Off" in the upper right corner of the screen For Web: After logging in to your account, click on “Invest for your
Why did I receive a 1099 form?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. You may be eligible to receive a 1099 form if your investment activity with Acorns last year meets IRS report
Are there any limits to how many Acorns Earn offers I can redeem?

While there are no limits to the number of total Acorns Earn offers you can redeem, each individual offer may have limits to the number of rewards you are eligible to receive. Check out the Earn more money section for details about each offer.
What happens if I delete the Acorns App from my device, or get a new phone?

Acorns operates in the cloud and your account and investments are safe even if you delete the app or get a new phone or device. Automatic Round-Ups, recurring deposits and monthly subscription fees will still be processed even if the Acorns app is not currently installed. If you have a ne
My app is crashing immediately when I open it, what should I do?

If the app crashes immediately when you open it, there is an issue with the local data and you will need to uninstall and reinstall the app. Don't worry; all of your information will be there after you reinstall the app.
Issues with my Round-Up Accounts

If you are experiencing issues with your Round-Up account(s), please try these steps below: Log into your online bank through a desktop browser, not your mobile banking app Once you’ve logged into your bank, click here to go back into the Acorns app and relink your bank account
How do I read my 1099?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. Note: This information applies to Acorns Invest, Acorns Later, and Acorns Early accounts. Your 1099 notes inv
How do I close my Invest Account?

To close your Invest account and cancel your Acorns subscription, follow the steps below: For Mobile: After logging in to your account, tap the menu (avatar) in the upper left corner of the screen Tap "Settings" Tap "My Subscription" Tap "Close account" Tap "Cancel subscription" Follow the in
Why does Acorns need my bank login information?

You can monitor your spending through the app, allowing you to spot investment opportunities. To access this, you‘ll need to provide your online banking login information. However, this information is not stored and is not viewable by Acorns—it’s simply used to import your sp
How do I get my 1099 when my account is closed?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. You can still access your tax forms, even if you’ve closed your Acorns account. Using your computer or
How do I link my checking account if it says "Account is already linked?"

If you are trying to link your checking account and are having trouble doing so, please follow these steps: For Mobile: After logging in to your account, tap menu (avatar) in the upper left corner of the screen Tap "Settings" Tap "Linked Accounts" Tap the "..." in the upper right-hand corner
Does Acorns integrate with Mint.com?

Yes, you can connect your Acorns Invest account to Mint by visiting Mint.com and following the steps below:1. Sign in to your Mint account.2. Select Settings3. Select Accounts4. Select the Plus in the upper right-hand corner5. Search and select Acorns6. Submit your Acorns account ema
Will I owe taxes if I make a withdrawal from my Later account?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. Whatever your type of IRA, you may get certain tax benefits from investing for your long-term future th
Can I enable Face ID?

Please follow the below steps to enable Face ID: After logging in to your account, tap the avatar in the upper left corner of the screen Tap "Settings" Under "Device" toggle "Enable Face ID"
What is a 1099-R form?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. The 1099-R form lists money withdrawn from a tax-advantaged retirement account, like your Later account
What Is My Investment Portfolio?

Your investment portfolio is composed of a mix of Exchange Traded Funds (ETFs). ETFs trade like stocks and represent broad holdings of stocks or bonds. For more information about individual funds, what they contain, and why we selected them, please visit our Invest page.
What is a 5498 form?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. The 5498 form lists any contributions or rollovers (when you move another retirement account balance to
What’s a 1099-MISC form?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. The 1099-MISC form lists money not earned through an employer, like when you get a bonus for referring friend
What is Acorns and how does it work?

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 metal debit card, money advice, and more! Acorns Family - $5/month Investment accoun
How will I get my 1099-MISC?

Acorns will email you a link to the 1099-MISC form where you will then be able to download it as a PDF. Please note that we will not be sending your 1099-MISC form through physical mail. It will be available to download digitally. To see the latest dates by which you can expect to receive your
How do I reset my Log In PIN?

If you have forgotten your PIN or are unable to enter this information, please contact us so we can help you with the process. You can reset your Log in PIN by following the steps below. NOTE: In order to reset your PIN, you will need to enter your current PIN and answer your security questio
What do I do with my 1099-MISC form?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. If you receive a 1099-MISC form, you may be responsible for reporting the information it contains to th
Does Acorns store my bank log in information on their servers?

No. Acorns does not store your bank login information. For security, here is some information on how we do everything we can to protect your data: * Security: Your peace of mind is our highest priority. Acorns works to protect your information, prevent unauthorized account access
Invalid Login Credentials Error

Round-Ups work by virtually rounding up your transactions, and transferring your change into your investment account, automatically. We need you to provide your online banking login credentials so that we can connect to that checking account and round-up your transactions. If you
Why did I receive an NSF fee from my bank?

If you received an NSF fee from your bank, it means there were insufficient funds in your bank account to cover a transfer to your investment account. Good news: you can set the exact day of the week or month on which you'd like your recurring investment to occur. Just make sure you have the
How do I grow my portfolio?

It’s easy to contribute to your Acorns portfolio in the background of your life. All you have to do is connect your bank account and any other credit or debit accounts you use to shop. With Round-Ups, we automatically round up your purchases to the next dollar, and as soon as you’v
How do I change my email address?

You can easily update your email address by logging in to our web-app at app.acorns.com, or through the mobile app! Upon logging in, please complete the following steps to update your email address: For Mobile:1. Tap the menu icon (avatar) in the upper left-hand corner of the screen2. Tap "Set
Why do I need to link my card(s)?

You need to link your card(s) so that our Found Money partners know when you’ve shopped with them, and can reward you.
When will Acorns send my tax forms?

In most cases, your tax forms will be available on or before March 15. This allows Acorns Securities time to receive all the information needed to create a consolidated statement and help avoid the need to send you multiple corrected forms and file an amended tax return.
Why does Acorns need my social security number?

The Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person opening an account. We also require your social security number to issue you a tax reporting form at the end of each year.
Why am I receiving an Account Locked error?

Your Financial Institution may have locked you out of your online banking, which is preventing Acorns from investing your spare change. Please try to log in to your online bank account again, and contact your bank if you are unable. Once you have successfully logged in to your online
Can I choose my investments?

At this time, Acorns offers our customers the opportunity to begin investing in a managed portfolio. You do not have the option of choosing to invest in any other stocks, bonds, cryptocurrencies, or other securities through Acorns. This means that Acorns will choose your investments and alloca
How do I link my card(s)?

In order to link your card(s) for Round-Ups, please follow these steps: For Mobile: After logging in to your account, tap the menu (avatar) in the upper left corner of the screen Tap "Settings" Tap "Linked Accounts" Tap "Link another account" Search for your bank and connect using your bank c
How will I know when my forms are ready?

Acorns Securities will send you an email notification with a link to download your forms. You can also find the forms in your Acorns account by visiting the My Documents section on https://app.acorns.com/profile.
What do I do if my Round-Up transactions are not populating?

Since we wait until your bank transactions fully process, sometimes you may experience a delay in seeing any new Round-Ups. You can check the date we last received an update from your bank by following the steps below: After logging in to your account, tap the menu (avatar) in the upper left
How Do I Protect My Acorns Account?

We recommend that you keep your Acorns account secure by always logging out after use. In fact, we automatically log you out of the app after periods of inactivity and require you to enter your passcode to get back on. Additionally, you should choose a difficult-to-guess password and store it
How do I find out how much I’ve contributed this year?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. To find out how much you’ve contributed to your Later account, log in here to your statements screen us
How do I make a deposit into my Acorns Invest account?

There are multiple ways to fund your Acorns account:One-time deposit: You can always add money by entering the desired amount on the Invest screen. This is a one-time investment and will not be repeated in the future. For Mobile: After logging in to your account, tap "Invest for you
How do I change my Funding Source (primary checking account)?

To ensure your account’s security, we may require documentation verifying your ownership of both the current and new funding sources (primary checking accounts). If your account requires additional verification, please follow the prompts on the Acorns website or app for additional detail
Can I make a prior year contribution for Acorns Later?

This is provided for informational purposes only. Acorns does not provide tax or legal advice. You should consult with a tax or legal professional to address your particular situation. You can make a prior year contribution from January 1 up to when you file your income taxes. Wait. What&rsquo
What happens if one of my linked cards for Round-Ups is lost or stolen?

If your linked credit or debit card is lost or stolen, we recommend that you unlink the card from your Acorns account. You can unlink your connected accounts in Settings: For Mobile: After logging in to your account, tap the menu (avatar) in the upper left corner of the screen Tap "Set
Why will my money be invested in index funds?

We believe that the best approach to investing is to focus on diversifying your investment portfolio across asset classes, maximizing the returns on your given amount of risk. If this strategy sounds familiar, that’s probably because it’s the basis of Modern Portfolio Theory. In fa
How can I add my bank if it is not listed for Round-Ups?

Please note that your bank’s listed name may vary from what you are entering into the search field. To manually add your account by using your routing number and account number, simply log in to your account and complete the following steps: For Mobile: Tap the menu (avatar) in the uppe
My account is locked, how do I get it unlocked?

For your security, we require that you contact the Acorns Support team in order to unlock your account. Note that this will require the confirmation of some personal information.Contact Support
Is there risk involved in my investment?

Yes. The securities you own are always subject to market fluctuations. This is why we advocate long-term investment goals. Here are a few other key benefits: Modern Portfolio Theory Acorns portfolios were built by experts, with help from Nobel Laureate in Economics, Dr. Harry Markowitz —
Do I need to have automatic Round-Ups to get Earn Rewards?

Nope, but we hope you’re using Round-Ups so your spare change can grow! To benefit from Acorns Earn, you just need to either use a linked-card to make your purchase or use the partner's Earn link to complete your transaction. Before completing an Acorns Earn transaction, please revi
How do I link my Chase Bank account?

Before linking to any third party app, Chase will send a verification code to the email or phone number on file with your online banking. If you believe the code is being sent incorrectly, please visit your online banking and make any necessary changes to your contact information.Once you&r
What should I do with the tax form I received?

You should use the tax form as a part of your regular tax filing. Most tax software will prompt you to enter information about your investment accounts, which is when you should enter the information from this form. If you have questions about how to properly file and report this information,
How does tipping at a restaurant affect round-ups?

Round-ups are based on final amounts charged to your card, including tips.
How Can I Reset My Password?

You can change or reset your password at any time by using our Forgot Password tool. Tap “Forgot Password?” from the log in screen Enter in your email address and tap “Send Email” Open the Reset Password email in your inbox, and tap “Change My Password&rdqu
How old do I need to be to open an Acorns account?

You must be 18 years old to open an account.
What is an ETF?

An exchange-traded fund (ETF) is an investment fund traded on stock exchanges, much like stocks. An ETF holds assets such as stocks, commodities, or bonds, and trades close to its net asset value over the course of the trading day. Most ETFs track an index, such as a stock index or bond index.
Is my account SIPC insured?

Acorns is a Member of the Securities Investor Protection Corporation (SIPC). SIPC protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). For more information on SIPC insurance or to request an explanatory brochure, please visit the
Why is my Financial Institution blocking third party access?

Some financial institutions have security safeguards that prevent third party applications like Acorns from monitoring your transactions for Round-Ups. While Acorns can’t make recommendations to change or disable security settings with your online banking account, these features may
What is automatic rebalancing?

Automatic rebalancing is Acorns’s method of maintaining your specific portfolio allocation. Market fluctuations may cause some of the securities in your portfolio to appreciate or depreciate in value. When this occurs, we use automatic rebalancing to bring your portfolio back to its spec
How does Acorns rebalance my portfolio?

Acorns automatically rebalances your portfolio as you invest. Every time you deposit or withdraw funds, we adjust the proportions of ETFs purchased to move your account towards its target portfolio allocation. We also periodically review, typically on a quarterly basis, and rebalance your por
Will I earn dividends from my portfolio?

Yes! Your dividends are automatically reinvested in your portfolio. View your dividends on the 'Past' screen under processed transactions.
How often do I earn dividends?

The Exchange Traded Funds (ETFs) that make up your portfolio pay dividends on varying schedules. Each ETF processes dividends at different time intervals. You can find the dividend payout schedule listed below: Large Company Stocks (VOO) - Quarterly Medium Company Stocks (IJH) - Q
How do I cancel a pending transaction?

Please complete the following steps to cancel a pending transaction: Open your Acorns account Select the applicable account (Invest, Later, or Acorns Checking) Scroll down to the Recent Activity card and select "View All" Select the pending transaction Select "Cancel" and confirm Please note
What Is Proxy Voting?

When you deposit money with Acorns, Acorns purchases shares in several exchange traded funds (or ETFs). Now that you’re an investor in them, you get to weigh in on important issues with a vote proportional to the number of shares you own. Proxy voting as a shareholder is a lot like mail
What is a Prospectus?

A prospectus is a legal document filed with the Securities and Exchange Commission (SEC), which provides information about an investment. The SEC requires a prospectus for each investment available to the public (stocks, bonds, securities, etc.), so that prospective investors may make an infor
Can I Add a Beneficiary to My Account?

Yes! You can absolutely add a beneficiary to your account. Please take the following steps in so that we can process your beneficiary information: Please download and fill out this form Upload the documents using our secure document uploader: https://app.acorns.com/document-uploader Then con
Why am I receiving a message saying My Bank Is Not Responding?

The ‘Institution is failing to respond to our request’ message typically means that your bank may be experiencing some technical issues or they not be set up to support our Round-Up feature. If this message is the result of routine maintenance or an unexpected technical issue, atte

Why did I not receive any tax forms from Acorns this year?

What is the cost for Acorns Checking if I am a student?

What is Two-factor Authentication and why do I need it?

Who can sign up for an account?

How long does it take to invest money?

How Do I Update My Email Preferences?

What is Acorns Earn?

Do I have to pay taxes on money I make through my Acorns account?

How do I reopen my Account?

Can I link a savings account as My Funding Source?

Can I receive a check for my withdrawal?

How do I redeem my Acorns gift card?

Do I need an Acorns account to purchase an Acorns gift card?

Do I need an Acorns account to redeem an Acorns gift card?

Can I use a gift card with an existing account?

Can I buy a gift card for my kids?

How much money can I put on an Acorns gift card?

Is there a limit to the amount of cards I can buy?

Is there a limit to how many Acorns gift cards I can redeem?

Can I return an Acorns gift card?

What is the best way to reach gift card support?

Can I link my business account?

Why Are My Transactions Being Canceled?

What is the Round-Ups Multiplier?

What should I do if my security code is going to the wrong contact information?

What information do you need if I work for a Broker-Dealer?

Why am I unable to log in to my Acorns Accounts?

Does Acorns invest in Cryptocurrency?

Why did I receive an alert?

Is Acorns available outside the US?

I forgot my Username

Is my money protected?

Where is my money invested?

How do I unsubscribe from emails?

Why does it take 1-5 days for my Acorns account to be approved?

Why am I being asked to verify my Funding Source?

How do I turn off Round-Ups?

How do I withdraw funds from my Acorns Invest account?

How do I pause and resume my investments?

How can I update the name on my account?

Why is it asking me for documents?

Why is my app crashing?

How do I view my tax reports, statements, and confirmations?

Why am I receiving a server error when logging in?

Can I open an account for a minor?

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What is Auto Debit Authorization?

What does the Acorns Subscription cover?

How does a customer opt in to the new subscription?

How do I change my Acorns Subscription?

What about Acorns accounts of at least $5,000?

Why should I invest in an IRA?

Is Acorns Later an IRA?

How much money do I need to open an Acorns Later account?

Do I have to be an Acorns Invest customer to start an Acorns Later account?

Can I withdraw or transfer my money whenever I want?

Why do we call this Acorns Later?

How do I make an IRA contribution?

How is my portfolio selected?

Can I roll over my existing 401(k) or IRA to Acorns Later?

How Do I Close My Acorns Later Account?

Why can’t I have someone other than my spouse as my beneficiary?

Will I Be Exempt from IRS Penalties on Early Withdrawals from my Later Account?

What is the Acorns Pricing structure?

What's an IRA?

How much does Acorns Later cost?

Can I change my IRA type?

How do I cancel an Acorns Later pending contribution?

How do I withdraw funds from Acorns Later?

What is Acorns Checking?

How can I sign up?

When will I get my debit card?

How much is Acorns Checking?

Will I receive a tracking number?

What verification will be used to sign up? Will there be a credit check?

What's included with Acorns Checking?

Will I be able to have multiple Acorns Checking accounts?

What fees and minimums are there?

Do I need an Acorns Invest and Acorns Later account to have an Acorns Checking account?

Can I withdraw from my Acorns Checking account whenever I want?