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What is Acorns Spend?

Acorns Spend is the first checking account with a debit card that saves, invests, and earns for you. Plus, Acorns and Acorns Later built in!

  • Acorns: The leading micro investing app, helping more than 3 million customers invest in the background of life.
  • Acorns Later: Our retirement account that welcomed more than 100,000 customers in its first month.
  • Acorns Spend: The only checking account with a debit card that saves, invests and earns for you.

Acorns Spend Feature Set

Technology & Design
The only debit card that saves, invests and earns for you — designed to look and feel as good as it works

Instantly Save & Invest
Real-Time Round-Ups, automatic retirement savings, custom Spend Strategies and more…

Ease & Access
Digital direct deposit, mobile check deposit and check sending, free bank-to-bank transfers, and unlimited free or fee-reimbursed ATMs nationwide

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

Spend Strategies
Easy, smart ways to save together while you spend

A Lot for a Little
No minimum balance or overdraft fees, and unlimited free or fee-reimbursed ATMs nationwide — Acorns + Acorns Later + Acorns Spend for just $3/month

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

Total Protection
FDIC-protected checking account all the way to $250,000 plus fraud protection and all-digital card lock

Not all of these features will be available immediately at launch. They will be released on a rolling basis as we learn from our customers and make enhancements.

Acorns Spend also comes with a debit card designed to look and feel as good as it works, made of tungsten metal, with a matte finish and spot gloss treatment on the Acorns branch, to remind you want your Acorns can become. We’re honored to have partnered with the visionary who built the design group at Apple to help us create the Acorns Debit Card.

With Acorns Spend, you get everything you do with Acorns and Acorns Later, plus a fresh debit card and an FDIC-protected checking account that works much harder — all for just $3/month.

We hope Acorns Spend helps you spend smarter!

This website is operated by Acorns Advisers, LLC, an SEC Registered Investment Advisor. Brokerage services are provided to clients of Acorns by Acorns Securities, an SEC registered broker-dealer and member FINRA/SIPC. Investments are not FDIC insured and may lose value. Investing involves risk and investments may lose value. Please consider your objectives and Acorns pricing before investing. Past performance does not guarantee future results. Investment outcomes and projections are hypothetical in nature. Limited time offer. Rewards are in the form of a purchase of investments in your Acorns portfolio. Shares are purchased once your friend’s account is approved. To be eligible for the reward, the person you refer must use your personal invitation code when they sign up. Acorns reserves the right to restrict or revoke this offer at any time. Acorns Visa™ debit cards are issued by Lincoln Savings Bank, member FDIC. "Acorns" and "Invest the Change" are registered trademarks of Acorns Grow, Inc.