# Checking Account

## Banking with Acorns

### Banking that saves and invests for you.

Acorns is not a bank. Acorns Visa™ debit cards are issued by Lincoln Savings Bank or nbkc bank, Members FDIC for Acorns Checking account holders.

## Banking for the growth-minded

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

### WHY BANK WITH ACORNS?

**Emergency Savings**  
Grow with 3.35% APY — one of the highest APYs available today — on money you save for life's unexpected hiccups.4

**No hidden fees, ever**  
No hidden fees. No minimum balance fees. No overdraft fees. 55,000+ fee-free ATMs within the Allpoint Network.1

**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.2

**Security & Protection**  
Acorns checking accounts are FDIC-insured up to $250,000, plus fraud protection, 256-bit data encryption, and all-digital card lock.1

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

**Acorns debit card**  
Get a personalized heavy metal, laser engraved debit card.

**Contactless payments**  
Add your Acorns debit card to your digital wallet (Apple and Google Pay) as soon as you open your account.

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.

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

### Online banking features

- Direct Deposit  
- Check Deposit  
- Check Sending  
- Free Transfers  
- Contactless Payments

### BANKING DONE BETTER

## No hidden 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 within the Allpoint Network.

**Goodbye plastic. Hello metal.**  
Heavy metal core

Matte, Acorns-green finish with oak branch

Laser-engraved signature

**Security for your checking account that’s strong as oak**

FDIC-insured up to $250,0001

Fraud protection

256-bit data encryption

Instant all-digital card lock

## Frequently asked

**What is Acorns Checking?**  
Acorns Checking is our smart checking account that invests while you spend. Acorns Checking comes with your subscription, at no extra cost.

**Why should you switch to Acorns Checking?**  
1. Real-Time Round-Ups® investments allow you to invest spare change with every swipe, instead of waiting for it to add up to $5.  
2. Paycheck Split can automatically invest a piece of your paychecks as soon as you get them, into any of your investment accounts.  
3. 55,000+ fee-free ATMs, and no overdraft or low-balance fees.  
4. Plus, you can get paid up to 2 days early if you use Acorns Checking Direct Deposit

**How do I set up Direct Deposit?**  
There are a couple of ways you can set up Direct Deposit into your Acorns Checking account. The easiest option is to set it up right from your Checking account settings by connecting directly to your employer or payroll provider. We also give you the option to download a pre-filled PDF Direct Deposit enrollment form that you can provide to your employer.

**Do I have to maintain a minimum account balance?**  
There is no minimum amount required to open an Acorns Checking account.

**Are there fees for banking with Acorns?**  
Acorns Checking is included in all Acorns subscriptions, which features a host of products and tools. Acorns does not charge overdraft fees or minimum balance fees, and your Acorns Checking account comes with 55,000+ fee-free ATMs nationwide and around the world within the AllPoint Network.