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Acorns review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Acorns suits US savers who want an easy-access account with a monthly fee of $0 and a minimum deposit of $0. Its headline rate is 2.33%, the rate is variable, and access requires an Acorns subscription, so it fits savers already inside the Acorns app.

Key facts

Best for
US easy-access savings with no monthly fee and no minimum deposit.
Headline rate
2.33%↗
Rate type
Variable↗
Minimum deposit
$0↗
Deposit protection
FDIC up to USD 250,000↗
Access terms
On-demand access; requires an Acorns subscription (from $4/mo); no minimum balance↗
Monthly fee
$0↗
Account kind
Easy access↗
Legal entity
Acorns Grow Incorporated↗
Headquarters
United States↗
Support channels
Email, Help-centre↗
Pricing model
No monthly fee
Official website
acorns.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • The monthly fee is $0, so keeping the balance open month to month costs nothing.
  • The minimum deposit is $0 and no minimum balance is required, so small sums can be saved.
  • Access is on demand through an easy access account, so money can be reached whenever it is needed.
  • Deposits sit inside FDIC up to USD 250,000 cover, and the account is regulated in the US by the FDIC.

Cons

  • The rate is a variable rate, so the headline rate of 2.33% is not locked for a term.
  • Support runs on email and help centre only, so a question needing a phone call goes unanswered by phone.
Acorns

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • US households who want a monthly fee of $0 and a minimum deposit of $0.
  • Savers already using the Acorns app, who want cash available on demand rather than tied up.
  • First-time savers in the US, who can open with a minimum deposit of $0 and no monthly fee.

Who should look elsewhere

  • Savers chasing a higher variable rate, who may find more at Wise, listed at 3.29%.
  • Buyers of a fixed-rate term, who can compare bunq at 3.01% and Finteres, whose range runs 0% to 36%.
  • People who need to talk to someone, since support runs on email and help centre only.

How Acorns compares

Where Acorns is available

Available
United States
Licence in United States
FDIC, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Acorns pay on its savings account?+

The account pays a headline rate of 2.33%, and that rate is variable, so it is not fixed for a set term. Savers should expect the headline figure to move, and check the current rate before deciding if the account still works for them.

What does it cost to keep the account?+

The monthly fee is $0, and the account runs on a no monthly fee basis. Access is on demand but requires an Acorns subscription, which is a separate charge from the savings account itself and the main cost to weigh.

How much do I need to open the account?+

The minimum deposit is $0 and no minimum balance is required, so the account can be opened and left open without holding a set amount. Money is added as available rather than in a fixed lump sum at the start.

Can I get at my money quickly?+

Access is on demand and the account is listed as easy access, so money can be reached whenever it is needed rather than being held for a term. Savers do not have to plan around a withdrawal notice period, as a notice account would require.

Is the money protected?+

Deposits are covered by FDIC up to USD 250,000, so the balance sits inside the US deposit protection scheme. The account is run by Acorns Grow Incorporated in the US, where the regulator is the FDIC.

How do I get help if something goes wrong?+

Support runs on email and help centre only, so questions go by email or through the help centre. Anyone who needs to speak to someone directly would have to look elsewhere, since email and the help centre are the channels listed.

How does the rate compare with other savings accounts?+

The headline rate is 2.33%. Wise lists 3.29% and bunq lists 3.01%, so both sit above the Acorns figure, while Finteres publishes a range of 0% to 36% for comparison. Acorns also asks for a subscription for access, so the rate is not the only thing to compare.

Sources

  • acorns.com checked September 26, 2026

    Backs: Legal entity

    “Acorns, GoHenry, Round-Ups investments ... are registered trademarks of Acorns Grow Incorporated”

  • acorns.com/banking checked September 26, 2026

    Backs: Account kind, Deposit protection, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type, Licences

    “Acorns Checking is our smart checking account that invests while you spend”

  • acorns.com/pricing checked September 26, 2026

    Backs: Access terms

    “Acorns Bronze $4/mo.”

  • acorns.com/terms checked September 26, 2026

    Backs: Headquarters, Support channels

    “Notices to us must be sent in writing to the following address: 5300 California Avenue, Irvine, CA 92617”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

Acorns

Acorns

US easy-access savings with no monthly fee and no minimum deposit.

9.0/10See alternatives