Acorns Spend is the first checking account with a debit card that saves, invests, and earns for you. Plus, Acorns Invest and Acorns Later built-in!
What is Acorns Spend?
Acorns Spend also comes with a debit card designed to look and feel as good as it works, made of tungsten metal, with a matte finish and spot gloss treatment on the Acorns branch, to remind you what your Acorns can become.
With Acorns Spend, you get everything you do with Acorns Invest and Acorns Later, plus a fresh debit card and an FDIC-protected checking account that works much harder — all for just $3/month.
Acorns Personal Bundle
All-in-one investment, retirement, and checking, plus a metal debit card, bonus investments, money advice, and more. You get:
- Acorns Spend – save money with no account fees, and 55,000+ fee-free ATMs nationwide and around the world. Earn 10% bonus investment and automatic invest features integrated.
- Acorns Invest – an investment account tied to your spending. Invest spare change and earn bonus investments.
- Acorns Later – an easier way to save for retirement through tax-advantage accounts (IRAs).
Features & Benefits
No minimum balance and overdraft fees. No need to fund an Acorns Spend account to open it, and you don’t have to worry about ever overdrawing the account.
Includes Acorns Core and Acorns Later for no additional fee. Acorns Spend account is part of a financial package that rounds up your money and invests it for you.
Unlimited free or reimbursed ATM withdrawals nationwide. With out-of-network ATM fees can top $3.50, unlimited fee reimbursements alone make the $3 monthly charge for Acorns Spend a bargain.
Mobile banking services. Spend includes free bank-to-bank transfers, digital direct deposit, mobile check deposit, and check sending.
Found Money. A rewards program offered for specific merchants. Get credit to your Acorns account with rewards cash within 90 to 120 days after your purchase.
Insured. FDIC-protected checking account all the way to $250,000 plus fraud protection and all-digital card lock
Pricing & Fees
Fees are low compared to the products and services you receive.
- Spend monthly fee: $3/per month
- ATM fees: $0
- Overdraft fees: $0
- Replacement card fees: $0
Acorns Spend Review
Acorns Spend is a great option for any Acorns users already familiar with the system. For those considering an alternative checking account, Spend is great as it combines the key benefits of the best online checking accounts with an investment focus.
Is the $3/month worth the expenses? It can be depending on your needs. The small flat monthly amount ensures there are no surprise charges.
Who is it best for?
If you want an integrated banking experience focused on helping you invest money, then Spend is for you. This banking service is also great for those who access ATMs often because of the unlimited domestic ATM reimbursements.
How to start an Acorns Spend account
Time needed: 2 minutes.
Step-by-Step to opening an account with Stash
- Getting started
Log in to your Acorns account or open a new account here. - Sign up for Spend
Pre-order your debit card
by Jason Vitug
Acorns Spend Review: Is it worth it?
Acorns Spend is a great option for those already using Acorns to invest. It’s a seamless process and for an additional $2 per month (a total of $3 each month(, you get access to Later for retirement and get more ways to earn.
During my Acorns Spend review, I learned the cost is well worth it when you use all the products together as it was created. There’s something about spending money that helps you save and invest too. It’s good for people who need a little help and may think they don’t have extra cash to start investing.
I tested Acorns Spend for a few months and it’s a great checking account alternative. In fact, it works like some of the best online checking accounts with no minimums, no overdraft fees, and a well-made app. It stands out because of the ATM reimbursements especially for someone like me who traveled quite often.
Pros and Cons
Pros
✓ Integrated spending, saving, and investing
✓ Unlimited ATM reimbursements
✓ Low cost for all features offered
Cons
☓ Small portfolio choices.
The real benefit of using Acorns Spend is the additional way to round up purchases for your investments and a new way to earn money.