Checking Account

Banking with
Acorns

Banking that saves and invests for you.

CALCULATE YOUR ESTIMATE

Banking for the
growth-minded

Online banking that automatically saves & invests for you. Plus, no hidden fees — ever.

Emergency Savings

Grow with 3.35% APY — one of the highest APYs available today — on money you save for life's unexpected hiccups.

No hidden fees, ever

No hidden fees. No minimum balance fees. No overdraft fees. 55,000+ fee-free ATMs.

Real-Time Round-Ups®

Instantly invest your spare change with every swipe of your heavy metal debit card.

Get paid early

Get paid up to 2 days earlier with direct deposit, and invest your money faster.

Security & Protection

Acorns checking accounts are FDIC-insured up to $250,000, plus fraud protection, 256-bit data encryption, and all-digital card lock.

Online banking

Mobile check deposit, digital checks, things your bank can do, and more.

Instantly invest with Real-Time Round-Ups®

No more waiting for Round-Ups® to hit $5. When you swipe your Acorns debit card your spare change gets instantly invested, so it has even more time to grow.

3% or 1% IRA match included in Acorns Gold or Silver, respectively. Contributions must be kept in Later account for 4 years to earn its IRA match.

Earn bonus investments

Earn bonus investments from thousands of top brands when you shop their offers and swipe your Acorns debit card.

Online banking

BANKING DONE BETTER

No hidden fees

Hidden fees.
Minimum balance fees.
Overdraft fees.

55,000+ fee-free ATMs

Rather than pay to get your own money, invest that money back in you. Acorns Checking comes with access to 55,000+ fee-free ATMs around the world.

Goodbye plastic.
Hello metal.

Security for your
checking account
that’s strong as oak

Frequently asked

What is Acorns Checking?

There are five different Acorns Core portfolios, built by experts. 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—and if you choose, a Bitcoin-linked ETF. The overview or prospectuses of the ETFs can be found below:

There are five different Acorns Core portfolios, built by experts. 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—and if you choose, a Bitcoin-linked ETF. The overview or prospectuses of the ETFs can be found below:

There are five different Acorns Core portfolios, built by experts. 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—and if you choose, a Bitcoin-linked ETF. The overview or prospectuses of the ETFs can be found below:

There are five different Acorns Core portfolios, built by experts. 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—and if you choose, a Bitcoin-linked ETF. The overview or prospectuses of the ETFs can be found below:

There are five different Acorns Core portfolios, built by experts. 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—and if you choose, a Bitcoin-linked ETF. The overview or prospectuses of the ETFs can be found below:

Foliovice

Invest
Today,
Secure
Tomorrow