Spend

Acorns Support

Feel free to ask us anything!

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

Acorns Spend is $3/month. We do not currently have any free student accounts at this time....
What is Acorns Spend?

Acorns Spend 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 reti...
How can I sign up?

We’re excited you’re joining Acorns Spend! 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?

Spend 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 Spend?

Acorns Spend 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 required t...
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 Spend. To sign up for Acorns Spend, 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 Spend with just a few tap...
What's included with Acorns Spend?

Acorns Spend 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 for y...
Will I be able to have multiple Acorns Spend accounts?

Each customer may have only one Acorns Spend 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 spending 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. Acor...
Do I need an Acorns Invest and Acorns Later account to have an Acorns Spend account?

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

You can transfer funds from your Acorns Spend account to an external primary checking any time without penalty. In order to transfer funds out of your Spend account please log in to your Acorns account and follow the directions below: Tap or click on "Spend Smarter" Tap or click on ...
Can I contribute to my other Acorns accounts with my Acorns Spend 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 Spend account to your Acorns Invest and Acorns Later accounts, where your money can grow! In order to transfer funds out ...
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 Spend? 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 Spend, featur...
What is my actual bank as an Acorns Spend 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 Spend account....
Can I just have an Acorns Spend 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 Spend account. Acorns Invest must stay open in order to remain an Acorns Spend customer. We created Acorns as a system that helps you save, invest and ...
How do I activate my card?

You will receive a notification to activate your card when your Acorns Spend 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 Spend 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 "Spend Smarter" Tap the gear icon in the upper right corner Tap "Update Card PIN" Note: It will a...
How do I set up direct deposit?

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

You can view your available Spend balance by clicking on "Spend smarter" from the main menu! If needed, you can also add funds to your Spend account by taking the steps below: After logging in to your account, tap or click on "Spend Smarter" Tap or click on "Transfer" Enter the am...
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 Spend account from PayPal wallet....
Can I set up Bill Pay?

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

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

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

In order to assist with reissuing a Spend card, please contact Acorns Support here....
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 Spend section in your settings....
How do I update my Spend card PIN?

If you need to update your PIN: Tap on "Spend Smarter" On the top right corner, tap on the gear tool Then tap on "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 t...
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 a Spend 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 Spend account or transfer the funds back to your primary checking account. &...
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 “Spend 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 with Acorns Spend....
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 with Acorns Spend....
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 Spend. ...
Can I deposit cash into my Spend account by depositing the cash into a participating ATM?

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

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

There is no overdraft fee with Acorns Spend....
I want to open a Spend 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 Spend section of the Acorns app....
How does Acorns Earn affect my Spend 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 Spend 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 Spend accoun...
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 “Spend Smarter” Tap “Checks” Tap "Deposit ...
Do we offer bonded checks?

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

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

At this time, we do not offer cashiers checks at this time with Acorns Spend....
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 Spend account from PayPal wallet....
Can I order my own checkbook?

Acorns does not currently provide physical checks or checkbooks for Spend 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 desired reci...
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?

If you haven't received your Acorns debit card, please contact support so we can help you locate it....
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 Spend card, please contact Acorns Support. ...
Why did I receive a Spend debit card if I canceled my Spend account?

Once you sign up for Spend a card is ordered shortly there after. 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 Spend does not provide FICO scores at this time....
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. ...
How do I fund my Spend account?

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

To close your Spend 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 logging in to...
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 on the Spend section of you...
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 Spend screen. You’re still welcome to use out-of-netwo...
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 Spend 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’s ATM L...
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 Spend section of your app to find the...
What are the Spend Cash, Purchase and Transfer Limits?

Spend has built-in limits on all transaction types. These transaction limits cannot be raised. Daily Limits Max to push into Spend: $7,000 Max to pull out of Spend: $7,000 Max check deposit limit: $5,000 or 3 total transactions Max transaction limit (card swipes): $4,000 Max ATM/bank te...
Can I review my prior Spend account statements and transactions?

You can download any past statement including those from a previously closed Spend 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 & Settings"...
How do I reopen a Spend 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 Spend again with the following steps (please note that an Acorns Support representative will not be able...
How will reopening my Spend account alter my subscription?

The Acorns Spend 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, or are in the $1 Lite tier, you will be upgraded to a...
Will I be charged a fee if I withdraw money from my Spend 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 Spend section of the Acorns ap...
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 on your paycheck in Spend and let Acorns take care of the rest. Can I use both Smart Deposit and recurring deposits? Sure! Using Smart Deposit will have no impact ...
What is Smart Deposit?

Smart Deposit is a feature of Acorns Spend that automatically allocates a portion of your direct deposit into Invest, Later, or both, to help you invest your money as soon as you get it. Smart Deposit helps you put money away for your future, without even thinking about it. Automatically inv...
How do I turn off Smart Deposit?

You can turn off Smart Deposit anytime by following these steps: Navigate to your Spend 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 off, and y...
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 “Spend Smarter” Scroll down and tap the “Smart Deposit” widget to expand it Tapping “Edit&rdqu...
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 Spend 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 “Spend Smarter” From your Spend home screen, scroll down and tap the Smart Deposit widget. Tap the triple dot icon in the top right corner. Tap &ldq...
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. ...

Acorns Support

Feel free to ask us anything!

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

What is Acorns Spend?

How can I sign up?

When will I get my debit card?

How much is Acorns Spend?

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 Spend?

Will I be able to have multiple Acorns Spend accounts?

What fees and minimums are there?

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

Can I withdraw from Spend whenever I want?

Can I contribute to my other Acorns accounts with my Acorns Spend account?

What if I want to cancel my order after I have placed it?

What if my address changes from the address I gave when I pre-ordered my card?

Why do I have to pay anything for Acorns Spend? Aren’t checking accounts free?

What is my actual bank as an Acorns Spend customer?

Will I be charged foreign transaction fees with my Acorns Debit Card?

Can I just have an Acorns Spend account?

How do I activate my card?

How do I set my Spend card PIN?

How do I set up direct deposit?

How do I see my Spend balance?

How can I see my monthly statement?

Can I send money instantly using Zelle, PayPal, etc.

Can I set up Bill Pay?

Where can I find my routing and account number?

Can I use my Spend Card as a joint or business account?

How do I order a new card? (replacement / reissue)

How do I put my card on hold? Remove a hold?

How do I update my Spend card PIN?

How do I dispute a charge?

How are my transactions verified?

How do I cancel a Spend transaction?

How do I withdraw money from my account? Cash?

Will I get a notification each time I swipe my card?

Can I deposit checks via the app? How does this work?

Is there a limit to how much I can withdraw from an ATM?

Is there a limit to how much I can withdraw from an ATM?

Can I cash a check at the ATM? Can I deposit a check at the ATM?

Can I deposit cash into my Spend account by depositing the cash into a participating ATM?

Foreign fee?

Overdraft fee?

I want to open a Spend account, how do I do this?

How do I freeze my account? How long can I freeze it for?

Account / Routing Information

How does Acorns Earn affect my Spend account?

Where do my Round-Ups go? Can I pick where my Round-Ups go?

How do I notify Acorns that I will be traveling out of the country?

How do I deposit a physical check? How many can I deposit at one time?

Do we offer bonded checks?

Courtesy Pay?

Do you offer Cashiers checks?

How do I destroy my card?

Can I perform Peer 2 Peer payments? (Within Acorns & institution transfer)

Can I order my own checkbook?

Legal requests?

How do I get notified if there is fraud?

How do I report fraud / unauthorized transactions?

How are investigations into potentially fraudulent activity carried out?

Can I return my card?

Can I set up Apple / Android Pay?

Is there a fee to replace my card? How many times can I replace my card?

I never got my card, what do I do?

Can I request a new card with the same number?

Why did I receive a Spend debit card if I canceled my Spend account?

Can I view my FICO score?

Can I speak to someone about depositing a check?

How do I fund my Spend account?

How do I close my Spend Account?

Is there a limit to how many times I can go to an ATM?

Will I get charged by Acorns to check my balance at an out of network ATM?

Will I be charged for using an international ATM?

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?

Does Acorns still reimburse ATM fees?

I was charged a fee when I used an Allpoint ATM. How can I get a refund?

Where can I find an Allpoint ATM? How can I make sure I’m using an Allpoint ATM?

Can I still use ATMs outside of the Allpoint network? How much does it cost?