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Acorns Checking

Foreign fee?

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

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What is Acorns Checking?
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When will I receive my Acorns 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?
Can I contribute to my other Acorns accounts with my Acorns Checking account?
What is the cost for Acorns Checking if I am a student?
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 Checking? Aren’t checking accounts free?
What is my actual bank as an Acorns Checking customer?
Will I be charged foreign transaction fees with my Acorns Debit Card?
Can I just have an Acorns Checking account?
How do I activate my card?
How do I set my Acorns debit card PIN?
How do I set up direct deposit?
How do I see my Acorns Checking balance?
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Can I send money instantly using Zelle, PayPal, etc.
Can I set up Bill Pay?
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Can I use my Acorns Debit Card as a joint or business account?
How do I order a new Acorns debit card? (Replacement / Reissue)
How do I put my card on hold? Remove a hold?
How do I update my Acorns debit card PIN?
How do I dispute a charge?
How are my transactions verified?
How do I cancel an Acorns Checking transaction?
How do I withdraw money from my account? Cash?
Can I deposit checks via the app? How does this work?
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 Acorns Checking account by depositing the cash into a participating ATM?
Overdraft fee?
I want to open an Acorns Checking 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 Acorns Checking 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 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?
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How are investigations into potentially fraudulent activity carried out?
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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 received my Acorns Visa™ debit card, what do I do?
Can I request a new card with the same number?
Why did I receive an Acorns debit card if I canceled my Acorns Checking account?
Can I view my FICO score?
Can I speak to someone about depositing a check?
When I deposit a check, how much will be available at the time of deposit?
How do I fund my Acorns Checking account?
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?
I was charged a fee when I used an Allpoint ATM. How can I get a refund?
Will I be charged a fee if I withdraw money from my Acorns Checking account at an ATM?
What are the Acorns Checking Cash, Purchase and Transfer Limits?
Can I review my prior Acorns Checking account statements and transactions?
How do I reopen an Acorns Checking account?
Will I be charged a fee if I withdraw money from my Acorns Checking account at an ATM?
How do I change my Smart Deposit?
What's the difference between the different Smart Deposit distribution options?
Why should I use Smart Deposit over Recurring Deposits?
How do I turn off Smart Deposit?
How do I edit my Smart Deposit?
How much should I allocate to each account for Smart Deposit?
When does my Smart Deposit allocation happen?
Does Smart Deposit work with Early?
How do I cancel a single Smart Deposit allocation?
Can I set up Smart Deposit if I receive multiple paychecks?
How do I view my Smart Deposit History?

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Important Disclosures

Investing involves risk, including loss of principal. Please consider, among other important factors, your investment objectives, risk tolerance and Acorns’ pricing before investing. Investment advisory services offered by Acorns Advisers, LLC (Acorns), an SEC-registered investment advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered broker-dealer and member FINRA/SIPC.

1. Round-Ups® investments are transferred from your linked funding source (checking account) to your Acorns Invest account, where the funds are invested into a portfolio of selected ETFs. If you do not maintain an adequate amount of funds in your funding source sufficient to cover your Round-Ups® investment, you could incur overdraft fees with your financial institution. Only purchases made with Round-Up accounts linked to your Acorns account with the feature activated are eligible for the Round- Ups® investment feature. Round-Up investments from your funding source will be processed when your Pending Round-Ups® investments reach or exceed $5.

2. Acorns Checking Real-Time Round-Ups® invests small amounts of money from purchases made using an Acorns Checking account into the client’s Acorns Investment account. Requires both an active Acorns Checking account and an Acorns Investment account in good standing. Real-Time Round-Ups® investments accrue instantly for investment during the next trading window.

3. A properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles. Clients who have experienced changes to their goals, financial circumstances, or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the Acorns app or through the website.

4. Acorns Earn provides subscribers access to shop with our partners and earn bonus investments into your Acorns Invest portfolios when purchasing items from the partner brands. Acorns Earn rewards investments are made by Acorns Grow, Incorporated into your Acorns Invest account through a partnership Acorns Grow maintains with each Acorns Earn partner. Acorns may receive compensation from business partners in connection with certain promotions in which Acorns refers clients to such partners for the purchase of non-investment consumer products or services. This type of marketing partnership gives Acorns an incentive to refer clients to business partners instead of to businesses that are not partners of Acorns. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a client than the products and/or services of Acorns business partners. Subscribers are, however, not required to purchase the products and services Acorns promotes.

5. Acorns Subscription Fees are assessed based on the tier of services in which you are enrolled. Acorns does not charge transactional fees, commissions or fees based on assets for accounts under $1 million. Acorns may receive compensation from business partners in connection with certain promotions in which Acorns refers clients to such partners for the purchase of non-investment consumer products or services. This type of marketing partnership gives Acorns an incentive to refer clients to business partners instead of to businesses that are not partners of Acorns. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a client than the products and/or services of Acorns business partners. Subscribers are, however, not required to purchase the products and services Acorns promotes.

6. Acorns is not a bank. Acorns Visa™ debit cards and banking services are issued by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from in-network ATMs. Please see your Acorns Subscription Center or Account Statements for a description of the fees you pay to Acorns for its services. Any balances you hold with Lincoln Savings Bank or nbkc bank, including but not limited to those balances held in Acorns Checking accounts are added together and are insured up to $250,000 per depositor through Lincoln Savings Bank or nbkc bank, Members FDIC. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. Lincoln Savings Bank or nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Acorns Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.

7. Early Payday depends on the timing of the submission of the payment file from the payer and fraud prevention restrictions. Funds are generally available on the day the payment file is received, up to 2 days earlier than the scheduled payment date. Timing may vary.

8. The ETFs comprising the portfolios charge fees and expenses that will reduce a client’s return. Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. Investment policies, management fees and other information can be found in the individual ETF’s prospectus. Please read each prospectus carefully before investing.

9. Acorns does not provide access to invest directly in Bitcoin. Bitcoin exposure is provided through the ETF BITO, which invests in Bitcoin futures. This is considered a high-risk investment given the speculative and volatile nature. Investments in Bitcoin ETFs may not be appropriate for all investors and should only be utilized by those who understand and accept those risks. Investors seeking direct exposure to the price of bitcoin should consider a different investment.

10. The ESG (Environmental, social, and governance) investment strategies may limit the types and number of investment opportunities available, as a result, the portfolio may underperform others that do not have an ESG focus. Companies selected for inclusion in the portfolio may not exhibit positive or favorable ESG characteristics at all times and may shift into and out of favor depending on market and economic conditions. Environmental criteria considers how a company performs as a steward of nature. Social criteria examine how it manages relationships with employees, suppliers, customers, and the communities where it operates. Governance deals with a company’s leadership, executive pay, audits, internal controls, and shareholder rights.

11. Invest, an individual investment account which invests in a portfolio of ETFs (exchange traded funds) recommended to clients based on their investment objectives, time horizon, and risk tolerance.

12. Later, an Individual Retirement Account (either Traditional, ROTH or SEP IRA) selected for clients based on their answers to a suitability questionnaire. Please consult your tax advisor with any questions.

13. Early, an UTMA/UGMA investment account managed by an adult custodian until the minor beneficiary comes of age, at which point they assume control of the account. Money in a custodial account is the property of the minor.

14. It is not possible to invest directly in an index. Past performance is no guarantee of future results.

15. Acorns reserves the right to restrict or revoke any and all offers at any time.

16. Compounding is the process in which an asset’s earning from either capital gains or interest are reinvested to generate additional earnings over time. It does not ensure positive performance, nor does it protect against loss. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices.

17. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal.

18. App rating references the combined all-time star rating received in Google Play and Apple App Store.

19. ‘Save and Invest’ refers to a client’s ability to utilize the Acorns Real-Time Round-Ups® investment feature to seamlessly invest small amounts of money from purchases using an Acorns investment account.

20. The information contained on this website should not considered an offer, solicitation of an offer or advice to buy or sell any security or investment product. The information should not be construed as tax or legal advice. Please consult your tax advisor with any questions.

Acorns, Round-Ups® investments, Real-Time Round-Ups® investments, Invest the Change and the Acorns logo are registered trademarks of Acorns Grow Incorporated. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

For additional important risks, disclosures, and information, please visit https://www.acorns.com/terms/

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