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
| 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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Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%
Disclaimer popup with additional information
Monthly Service Fee
$4.99 - $9.98
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +82, or 4.6 on a 5-point rating scale.
+82
-1000+100
No one recommends
Everyone recommends
Acorns Checking Community Reviews
Would you recommend Acorns Checking to your friends?
SH
Shelia H.
Sep 18, 2025
May or may not recommend
I heard about the excellent way Acorns operates it banking with customers.
DS
Derek S.
Aug 15, 2023
May or may not recommend
Recently deposited a check. It disappeared as pending and has gone rouge. Contacted the support department and they said it will be a day to find out what's going on. Not happy with this. Where did it go? Did it get returned? What happened? Those are easy questions you should be able to answer as a bank.
Ariana H.
Jul 11, 2023
May or may not recommend
Easy to set up and use. I love being able to track my savings, and they basically do everything for you!
HS
Hannah S.
Apr 19, 2023
May or may not recommend
Acorns made is SO easy to save for things that I was struggling to save for, Not only did I use this account to save, but I also used Acorns later to start my first investment account. The 'round up' feature is one of my favorites.
Najee J.
Jan 24, 2023
May or may not recommend
Nice starter account. You can earn some good rewards through the platform. There are also a lot of good benefits offered . I would recommend this to friends & family to try.
AB
Aidan B.
Jan 23, 2023
May or may not recommend
Acorns is an excellent service. It makes it super easy to manage my money and they have an easy investing program that can be linked to a checking account. Their customer service is also a very easy and pleasant experience.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I've had acorns for some time now and they never gave me any type of problems it's always been good banking with them
JT
Jose T.
Nov 16, 2022
May or may not recommend
I've had acorns for some time now and they never gave me any type of problems it's always been good banking with them
LS
Lydia S.
Sep 3, 2022
May or may not recommend
They're GREAT if you haven't any problems but if you do have a problem they are awful! Their Customer Reps' English is their second language and they do not understand what you eat unless it is a simple request. Their INTERNAL DEPT for anything serious is a joke. They never call you back and never resolve issues. I am frustrated and opened a checking in a Brick and Mortar bank.
Line G.
Sep 2, 2022
May or may not recommend
I have a great time using the Acorn app. It's very simple to control. I have three different accounts that I use for saving. The spending account is a personal favorite! A debit card is included. I use it to put money down for future travel or to treat my parents!
AN
Aunesia N.
Aug 19, 2022
May or may not recommend
Easy to follow on app and great customer service. Signing up is easy and fast.
ST
Sara T.
May 24, 2022
May or may not recommend
I have been using acorns for months now and absolutely love it. I love the round up idea because I always forget to save money and it allows me to save without thinking. I also use this app to invest and I like that this is all in one app; savings, checking and investing all in one. I recommend this having this account to anyone.
Leigh W.
Apr 24, 2022
May or may not recommend
This is a good place to start if you want to save money and if you are new to investing. It rounds up your change and invest for you.
Theo S.
Mar 18, 2022
May or may not recommend
I had an account with Acorns before I found it to be more beneficial than harmful financially.
To begin with, the biggest advantage for this account would be it's connection to investments. Acorns' main focus would be towards investments which can be used to help grow money over time. As with each transaction, it rounds up every cent to the nearest dollar by taking the spare change and placing them into ...Show More
SS
Sumaiyah S.
Mar 12, 2022
May or may not recommend
I love Acorns... it's so simple to use and makes it simple to invest without having much investment knowledge. Great referral program, too!
MH
Markos H.
Mar 4, 2022
May or may not recommend
My experience with acorns wasn’t really good but I overall think that it’s a good app for financing and investing
TB
Tabbitha B.
Mar 4, 2022
May or may not recommend
Acorn checking has much to offer to their customers! Their customer support is phenomenal and never have had a problem depositing my check into my account.
Mohammed M.
Mar 4, 2022
May or may not recommend
Great service..never had a problem with this company..They are straight forward what they advertise is what you get! They withdrew the remaining chump change from every transaction into a savings account with no hassle!!! Flawless service!!!
Des' M.
Jan 13, 2022
May or may not recommend
When you sign up you get a 10 dollar welcome bonus, I think that this is the only company that does that. How cool? Acorns can help you invest by rounding up every day purchases and you can easily customize your investment portfolio. A good way to get started making investments.
RC
Ryan C.
Jan 5, 2022
May or may not recommend
My experience with acorns has been wonderful. I love it,
Showing 20 of 34 reviews
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