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Acorns Checking
in Checking Accounts from Acorns Adviser, LLC
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Acorns Checking

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in Checking Accounts from Acorns Adviser, LLC
SuperMoney Net Recommendation Score +87  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +87, equating to 4.7 on a 5 point rating scale.

+87

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

27 users recommend
2 users are unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
(Verified 11/26/2022)
Monthly Fee $3 - $5
(Verified 11/26/2022)
Minimum Balance to Avoid Monthly Fee N/A
Number of Reviews 30

Acorns Checking Review

Acorns Checking is offered by 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 are available in 50 states (and Washington, DC).

Key Takeaways

  • $0 Bonus offer. Open a new account and you can get
  • 0% APY. As with most checking accounts, Acorns Checking does not pay interest.
  • Charges a monthly fee. This account charges a monthly service fee of up to $5.
  • 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 through Acorns Adviser, LLC.

Acorns Checking Pros & Cons

Pros Cons
  • Available in all 50 states.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No charge on incoming domestic or international wire transfers.
  • Does not earn interest
  • Online-only account with no access to physical branches.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Monthly service charge.

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 is not an interest-bearing account.

What are the account minimums for Acorns Checking?

Acorns Checking requires a minimum initial deposit of $5 to open an account.

Acorns Checking Minimums
Description
Minimum Opening Deposit $5

What fees does Acorns Checking charge?

This account charges a monthly service fee of up to $5.

Acorns Checking Fees
Description
Monthly Fee $3 - $5
ATM Fee: In-Network $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $40
Paper Statement Fee $10
Online Bill Pay Fee $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.
  • Mobile Banking Services - Acorns Checking allows you to manage your money online or with a mobile app. This includes depositing checks 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Other Services by Acorns Adviser, LLC

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit $5
Monthly Fee $3 - $5
(Verified 11/26/2022)
ATM Fee: In-Network $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $40
Paper Statement Fee $10
Online Bill Pay Fee $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Online-Only Account
  • Expense Management
Signup Bonus $0
Signup Deposit Requirement $0
APY (Annual Percentage Yield) 0%
(Verified 11/26/2022)

Acorns Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +87, equating to 4.7 on a 5 point rating scale.

+87

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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