Last Updated: 01/21/2026
SuperMoney User Recommendation Score +82
Strongly recommended34 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
$0(Verified 06/21/2024)
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
Up to 3.35%(Verified 12/11/2025)
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Monthly Service Fee
$3 - $12(Verified 01/21/2026)
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Number of Reviews
Acorns Checking Review
The Acorns Checking is offered through Acorns Adviser, LLC, a licensed broker founded in 2012 and based in Irvine, CA. It is made possible by a bank partnership with Lincoln Savings Bank, member FDIC. Acorns Checking is available in 50 states and Washington, DC.
Key Takeaways
- Up to 3.35% annual percentage yield (APY). This account offers an annual percentage yield of up to 3.35%, which is much higher than the average for the checking accounts that we track (see terms and conditions for more details).
- Charges a monthly fee. This account charges a monthly fee of up to $12.
- Small minimum initial deposit. You only need $5 to open an account.
- No ATM fees. Acorns Checking does not charge fees on ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Acorns Adviser, LLC mobile or online banking.
- Early direct deposit. You could have access to you paycheck funds faster if you set up a direct deposit to this account.
Acorns Checking Pros & Cons
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Acorns Checking FAQ
Are Acorns Checking deposits federally insured?
No, your Acorns Adviser, LLC checking accounts are not insured by a federal insurance agency. This means that if Acorns Adviser, LLC were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What APY does Acorns Checking offer?
Acorns Checking offers an APY up to 3.35% (APY stands for annual percentage yield, rates may change).
Grow your money with 2.57% APY on Checking, 3.35% APY on Emergency Fund (requires Acorns Silver).What are the account minimums for Acorns Checking?
Acorns Checking requires a minimum initial deposit of $5.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Acorns Checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $12.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $3 - $12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Acorns Checking charge overdraft fees?
No, Acorns Checking does not charge overdraft fees.What features and perks does Acorns Checking offer?
This account includes the following features:
- Fraud monitoring - Acorns Checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Eligible for early pay - If you set up an eligible direct deposit with your employer, you may be able to collect your paycheck up to two days early.
- Mobile Banking Services - Acorns Checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Acorns Checking?
The customer support email for Acorns Checking is support@acorns.com.
How do people rate the customer service and user experience of Acorns Checking?
Overall, Acorns Checking is strongly recommended based on community reviews that rate customer service and user experience.
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