In this guide

  • Our verdict
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure
Acorns Checking
Finder score
On Acorns's secure site
From $3 per month
Minimum deposit to open

Our verdict

Use your Acorns debit card to invest spare change and earn bonus investments, but it costs $3 to $9 a month.

The Acorns Checking account combines a traditional checking account with the convenience of investing with Acorns. You can access a checking, investing and optional retirement account. All three accounts sync together to let you make transfers seamlessly and invest spare change from debit card purchases. But this service comes with an unavoidable monthly fee, and we're surprised to see no savings component.

Best for: Those who use Acorns' round-ups investing feature and want a checking account for seamless transfers.


  • No minimum opening deposit or overdraft fees
  • SmartDeposit invests a portion of your paycheck
  • Round-ups invest your spare change after every purchase


  • Must have an Acorns investment account to open
  • Unavoidable fee of up to $9 a month
  • No interest-bearing savings or joint accounts
  • Less-than-stellar customer service

In this guide

  • Our verdict
  • Your reviews
  • Ask a question

Who is the Acorns Checking account best for?

The Acorns account is best for anyone who needs a new checking account and is considering investing with Acorns. With its automated tools, including real-time round-ups and SmartDeposit, you can put your investing on autopilot by instantly investing your spare change or a portion of your paycheck. And transfers between Acorns accounts are seamless, allowing you to maintain a holistic view of your investment, retirement and bank account.

What we like about the Acorns Checking account

The Acorns Checking account makes investing easy and convenient. For example, with round-ups, Acorns automatically rounds up your transaction to the nearest dollar every time you use your debit card. Once you’ve rounded up at least $5, Acorns invest it in your Acorns investment account.

Another Acorns Checking automated tool is Smart Deposit, which lets you invest a percentage of your direct deposit as soon as you get it. Choose to transfer the money into your investment, retirement or kid’s investment accounts.

And finally, the Acorns Checking account has no minimum balance, overdraft or ATM fees.

Premium accounts get GoHenry for free

If you opt for the Premium membership for $9 per month, you’ll get a free GoHenry account. GoHenry is a top, kids’ banking app and debit card that’s meant to help parents teach their kids financial literacy – and normally, the cost starts at $4.99 per month.

GoHenry is suited for kids aged six to 18, and comes with strong parental controls with automated chore and allowance features, educational tools and games.

Where it falls short

Acorns Checking has an unavoidable monthly fee: You’ll pay $3, $5 or $9 a month for Acorns, but this flat fee covers your investment account, retirement account, checking account and potential kids’ accounts. And keep in mind that you’ll need to open an Acorns investment account before you can open its checking account.

Another disadvantage of Acorns is that it doesn’t offer any interest-bearing accounts, such as a savings account. While Acorns is inching toward a one-stop shop financial solution, without a high-yield savings account, you’ll need to go elsewhere to earn APY.

Acorns is also lacking in customer service, with several customers reporting issues about getting the run-around when inquiring why they’ve been locked out of their accounts. We also had a similar experience each time we spoke to a representative. Instead of answering our question directly, they copy-and-pasted irrelevant marketing information from their website. One representative abruptly ended our chat, and another refused to share the Acorns Checking Account Checking Agreement, stating that users receive it only after they’ve signed up. All to say, Acorns is also lacking in transparency.

Acorns Checking plans and cost

To access Acorn’s checking account, choose from one of its three plans. Each offers a range of features with prices starting at $3 per month

PlanMonthly costFeatures
  • Investable round-ups or recurring investments into a portfolio of Exchange Traded Funds (ETFs)
  • Recurring transfers to Later, Acorns’s retirement account
  • Acorns Checking account
Personal Plus$5Everything in the Personal plan, plus:

  • Access to knowledge base and live Q&A sessions with Acorns financial experts
  • A separate non-interest-bearing Emergency Fund account
  • An extra 25% match on bonus investments up to $200 a month when you shop at a participating partner
Premium $9Everything in the Personal Plus plan, plus:

  • Investment account for kids
  • Customizable portfolio
  • Receive 50% match on Acorns Earn rewards, up to $200 per month
  • Set up a complimentary will
  • $10,000 in life insurance for funeral costs, income, debt and other expenses
  • Get a kids banking GoHenry account for free

Acorns Checking account fees and access

Type of feeFee details
Monthly serviceStarts at $3
Opening deposit$0
ATMs$0 for domestic and international ATMs
Debit card fees
  • 0% foreign transaction fee, but you might incur a currency exchange fee
  • $0 replacement card
Overdraft or nonsufficient funds$0
Wire transfersNot supported

Compare Acorns Checking to other checking accounts

Narrow down checking accounts by weighing monthly fees, opening deposit requirements and APY. Select Compare on up to four products to view them side by side.

1 - 5 of 26
Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
SoFi Checking and Savings
Finder Score: 4.5 / 5: ★★★★★
SoFi Checking and Savings
$0 per month
4.60% on balances of $0+
0.50% on balances of $0+
1.20% on balances of $0+
Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until December 31, 2024.
Upgrade Rewards Checking Plus
Finder Score: 4.3 / 5: ★★★★★
Upgrade Rewards Checking Plus
$0 per month
Primis Perks Checking
Finder Score: 4.8 / 5: ★★★★★
Primis Perks Checking
$0 per month
Earn 50 cents for every debit card swipe except for ATM transactions
Cash Card by Cash App
Finder Score: 4.4 / 5: ★★★★★
Cash Card by Cash App
$0 per month
Step Black Card
Finder Score: 4.3 / 5: ★★★★★
Step Black Card
From $0 per month
5.00% on balances of $0 to $1,000,000

How to open an Acorns Checking account

If you’re not a current Acorns user, you must first open its investment account before you can apply to the checking account.

Customer experience

Acorns doesn’t have a great track record for reviews. It holds a 1.1 out of 5-star rating on the Better Business Bureau and a 2.3 out of 5-star rating on Trustpilot.

Customers who haven’t had issues with their accounts vouch that Acorns features more than justify the monthly cost. On the other hand, the main complaints include account freezes and poor customer service.

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

Your reviews

No reviews yet. Write a review

Ask a question

Ask a question

Kimberly Finder


Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Go to site