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THE SMART MONEY APP AND DEBIT CARD FOR KIDS


HELP YOUR KIDS FEEL FINANCIALLY INDEPENDENT WITH A ACORNS EARLY KIDS' DEBIT
CARD—IT'S A GREAT WAY FOR THEM TO LEARN THE VALUE OF MONEY.

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Formerly GoHenry
The debit card and app that grows with your kids
No matter what stage of their money journey your kids are on, Acorns Early is
designed to help them grow. Younger ones start off with chores, allowance, and
interactive learning courses. As they grow older, Acorns Early helps track their
spending, budgeting, saving, and more — all with support and guidance from you
along the way.
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CHOOSE FROM 35+ CUSTOMIZABLE DEBIT CARD DESIGNS

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WHY CHOOSE ACORNS EARLY FOR KIDS?

From getting to grips with the digital economy to making their first budget,
there are tons of reasons why parents choose the Acorns Early prepaid debit card
for their kids. With allowance on repeat, chores in the app, and flexible
parental chores, Acorns Early allows over 2 million members to manage money
responsibly — together.
Earn & manage money
Through chores and allowance in the app, kids start to build smart money habits
Stay in the know
Real-time notifications tell you when and where kids spend
Savings, stashed
Set customized savings goals in the app—and choose to lock them in to teach kids
the power of saving
Get the answers
In-app money lessons help kids learn about wider money topics—so don’t be
surprised if Buy Now Pay Later comes up at the dinner table!
A kids' debit card built for their safety — and your confidence
Bank-level encryption
Chip and PIN-protected transactions
Acorns Early blocks unsafe spending categories
Secure PIN recovery in the app
FDIC-insured up to $250,000 through a partner bank
Zero Liability Protection by Mastercard®
Real-time spending notifications
Easily block and unblock cards
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SPENDING, SENDING, GIVING, AND MORE

The Acorns Early debit card and learning app for kids is designed to help
families learn about money together. With customized apps for parents and kids,
it's easy to stay in control.
Safe to spend
Parents set limits and help kids get to grips with their budget. There's no
overdraft fees, and you can even block or unblock cards, too.
Send money in a snap
Set automatic allowance payments and transfer money in an instant within the
Acorns Early app.

Giving made easy
Set up donations to the Boys & Girls Club of America, or create a savings goal
for a chosen charity.
Gifts and celebrations
Family and friends can send money straight to your kids' cards with with
Giftlinks and Relatives account.

Automatic chores
and allowance
With Acorns Early, paying allowance is easy for you and fun for kids. Set an
amount in the app, the day you want to pay, and their allowance arrives on their
card weekly. Kids learn how to budget their money independently with cash on
their card to spend, save, or gift.

To help kids learn about the power of earning, parents can set paid tasks in the
app. As soon as kids tick them off, they'll automatically receive cash on their
card. You'll also have the option to check tasks have been completed in-app
before your child receives their money.
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HOW TO GET STARTED
WITH ACORNS EARLY

Ready to give Acorns Early a try? Sign up for a free trial and get access to all
Acorns Early features free for 30 days. After your free trial, your monthly fee
will start at $5 per month per child.
Follow these simple steps:
Sign up for 1-month free online
Download the app—kids can start learning through Money Missions instantly
Parents can set up allowance, tasks & add money to their child’s card
Your card will arrive within 5-7 days—don’t forget to activate it
Get started

FREQUENTLY ASKED

What age is an Acorns Early debit card for?



Acorns Early (formerly GoHenry) is for kids ages 6-18. It’s a great way for them
to learn the value of money. Acorns Early helps kids develop healthy earning,
saving, budgeting, and spending habits that will last a lifetime. Ultimately, we
know that every family has a different approach to money and learning — so it’s
up to you when you feel your kid is ready to give Acorns Early a try.

How much is an Acorns Early kids debit card?



We charge one monthly subscription of just $5 per kid. For families with up to
four kids, it's just $10 per month. You get access to all of the features of
Acorns Early, including the kid's debit card, chore tracking, automatic
allowance, parental controls, and more.

Where can you use Acorns Early debit cards?



Acorns Early debit cards can be used anywhere that Mastercard® is accepted. This
includes online, in stores, and at ATMs.

Are kids' debit cards a good alternative to traditional bank cards and credit
cards?



Acorns Early debit cards are for kids ages 6-18, which means kids under 18 can
start learning about money before they are eligible for a traditional bank card
and/or credit cards of their own. Plus, Acorns Early has features that
traditional bank cards and credit cards might not have, such as instant
transfers, chore tracking, and automatic allowances. And with real-time spend
notifications, card locking, and spend category blocking, Acorns Early makes it
easy for parents to stay in control.

Is Acorns Early included in an Acorns subscription?



Acorns Early is included in every Gold subscription. The Gold subscription also
includes Acorns Early Invest, a flexible investment account for kids with a 1%
match, Acorns Invest, an investment account with an expert-built, diversified
portfolio, and Acorns Later, a retirement account with a 3% IRA match on new
contributions, and much, much more!

HAVE ANY QUESTIONS?

Contact support

PRODUCTS

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WHO WE ARE

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WHY START NOW

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Pricing Store Affiliates Acorns Legal Acorns Early Legal Your Privacy Choices

Investment products | Not FDIC insured | No bank guarantee | May lose value

Important Disclosures
 
Paid advertisement. Dwayne Johnson is an investor in Acorns Grow Incorporated,
is a director of its affiliate Acorns Labs, is an Acorns customer, and together
with his creative agency receives substantial compensation from Acorns and its
affiliates to promote Acorns and therefore has a conflict of interest that can
be expected to bias his views. Statements are not necessarily representative of
the experience or views of other customers and are not guarantees of performance
or success. Nothing here should be viewed as an endorsement or testimonial
regarding Acorns Advisers LLC's investment advisory services. Acorns is not a
bank. Acorns Visa™ debit cards and banking services are issued and provided by
Lincoln Savings Bank or nbkc bank, Members FDIC, to Acorns Checking account
holders that are U.S. residents over the age of eighteen (18).

Investing involves risk, including loss of principal. Please consider, among
other important factors, your investment objectives, risk tolerance and Acorns’
pricing before investing. Investment advisory services offered by Acorns
Advisers, LLC (Acorns), an SEC-registered investment advisor. Brokerage services
are provided to clients of Acorns by Acorns Securities, LLC, an SEC-registered
broker-dealer and member FINRA/SIPC.
 
1. Round-Ups® investments are transferred from your linked funding source
(checking account) to your Acorns Invest account, where the funds are invested
into a portfolio of selected ETFs. If you do not maintain an adequate amount of
funds in your funding source sufficient to cover your Round-Ups® investment, you
could incur overdraft fees with your financial institution. Only purchases made
with Round-Up accounts linked to your Acorns account with the feature activated
are eligible for the Round- Ups® investment feature. Round-Up investments from
your funding source will be processed when your Pending Round-Ups® investments
reach or exceed $5. 



2. Acorns Checking Real-Time Round-Ups® invests small amounts of money from
purchases made using an Acorns Checking account into the client’s Acorns
Investment account. Requires both an active Acorns Checking account and an
Acorns Investment account in good standing. Real-Time Round-Ups® investments
accrue instantly for investment during the next trading window.

3. A properly suggested portfolio recommendation is dependent upon current and
accurate financial and risk profiles. Clients who have experienced changes to
their goals, financial circumstances, or investment objectives, or who wish to
modify their portfolio recommendation, should promptly update their information
in the Acorns app or through the website.

4. Acorns Earn provides subscribers access to shop with our partners and earn
bonus investments into your Acorns Invest portfolios when purchasing items from
the partner brands. Acorns Earn rewards investments are made by Acorns Grow,
Incorporated into your Acorns Invest account through a partnership Acorns Grow
maintains with each Acorns Earn partner. Acorns may receive compensation from
business partners in connection with certain promotions in which Acorns refers
clients to such partners for the purchase of non-investment consumer products or
services. This type of marketing partnership gives Acorns an incentive to refer
clients to business partners instead of to businesses that are not partners of
Acorns. This conflict of interest affects the ability of Acorns to provide
clients with unbiased, objective promotions concerning the products and services
of its business partners. This could mean that the products and/or services of
other businesses, that do not compensate Acorns, may be more appropriate for a
client than the products and/or services of Acorns business partners.
Subscribers are, however, not required to purchase the products and services
Acorns promotes. Amount earned and invested through Acorns Earn since inception
as of July 1, 2024.

5. Acorns Subscription Fees are assessed based on the plan of services in which
you are enrolled. Acorns does not charge transactional fees, commissions or fees
based on assets for accounts under $1 million. Acorns may receive compensation
from business partners in connection with certain promotions in which Acorns
refers clients to such partners for the purchase of non-investment consumer
products or services. This type of marketing partnership gives Acorns an
incentive to refer clients to business partners instead of to businesses that
are not partners of Acorns. This conflict of interest affects the ability of
Acorns to provide clients with unbiased, objective promotions concerning the
products and services of its business partners. This could mean that the
products and/or services of other businesses, that do not compensate Acorns, may
be more appropriate for a client than the products and/or services of Acorns
business partners. Subscribers are, however, not required to purchase the
products and services Acorns promotes.

6. Acorns is not a bank. Acorns Visa™ debit cards and banking services are
issued by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking
clients are not charged overdraft fees, maintenance fees, or ATM fees for cash
withdrawals from in-network ATMs. Please see your Acorns Subscription Center or
Account Statements for a description of the fees you pay to Acorns for its
services. Any balances you hold with Lincoln Savings Bank or nbkc bank,
including but not limited to those balances held in Acorns Checking accounts are
added together and are insured up to $250,000 per depositor through Lincoln
Savings Bank or nbkc bank, Members FDIC. Acorns Checking is not FDIC-insured.
FDIC insurance only covers the failure of an insured bank. If you have funds
jointly owned, these funds would be separately insured for up to $250,000 for
each joint account owner. Lincoln Savings Bank or nbkc bank utilizes a deposit
network service, which means that at any given time, all, none, or a portion of
the funds in your Acorns Checking accounts may be placed into and held
beneficially in your name at other depository institutions which are insured by
the Federal Deposit Insurance Corporation (FDIC). For a complete list of other
depository institutions where funds may be placed, please visit
https://www.cambr.com/bank-list. Balances moved to network banks are eligible
for FDIC insurance once the funds arrive at a network bank. To learn more about
pass-through deposit insurance applicable to your account, please see the
Account Documentation. Additional information on FDIC insurance can be found
at https://www.fdic.gov/resources/deposit-insurance/.

7. Early Payday depends on the timing of the submission of the payment file from
the payer and fraud prevention restrictions. Funds are generally available on
the day the payment file is received, up to 2 days earlier than the scheduled
payment date. Timing may vary. 

8. The ETFs comprising the portfolios charge fees and expenses that will reduce
a client’s return. Investors should consider the investment objectives, risks,
charges and expenses of the funds carefully before investing. Investment
policies, management fees and other information can be found in the individual
ETF’s prospectus. Please read each prospectus carefully before investing.

9. Acorns does not provide access to invest directly in Bitcoin. Bitcoin
exposure is provided through the ETF BITO, which invests in Bitcoin futures.
This is considered a high-risk investment given the speculative and volatile
nature. Investments in Bitcoin ETFs may not be appropriate for all investors and
should only be utilized by those who understand and accept those risks.
Investors seeking direct exposure to the price of bitcoin should consider a
different investment. 

10. The ESG (Environmental, social, and governance) investment strategies may
limit the types and number of investment opportunities available, as a result,
the portfolio may underperform others that do not have an ESG focus. Companies
selected for inclusion in the portfolio may not exhibit positive or favorable
ESG characteristics at all times and may shift into and out of favor depending
on market and economic conditions. Environmental criteria considers how a
company performs as a steward of nature. Social criteria examine how it manages
relationships with employees, suppliers, customers, and the communities where it
operates. Governance deals with a company’s leadership, executive pay, audits,
internal controls, and shareholder rights.

11. Invest, an individual investment account which invests in a portfolio of
ETFs (exchange traded funds) recommended to clients based on their investment
objectives, time horizon, and risk tolerance. 

12. Later, an Individual Retirement Account (either Traditional, ROTH or SEP
IRA) selected for clients based on their answers to a suitability questionnaire.
Please consult your tax advisor with any questions. Existing customers in Acorns
Gold or Silver subscription plans can opt into the Acorns Later Match feature
and receive either a 3% or 1% IRA match, respectively, on new contributions made
to an Acorns Later account. New customers in these subscription plans are
automatically eligible for the Later Match feature at the applicable 3% and 1%
match rate. All Later funds for both new and existing customers must be held in
an Acorns Later account for at least four years to keep the earned IRA match and
all or a portion of IRA Match may be subject to recapture by Acorns if customer
downgrades to a Subscription Plan with a lower monthly fee.

For informational purposes only. This is solely intended to provide notification
of an available product or service. This is not a recommendation to buy, sell,
hold, or roll over any asset, adopt an investment strategy, or use a particular
account type. This information does not consider the specific investment
objectives, tax and financial conditions or particular needs of any specific
person. Investors should discuss their specific situation with their financial
professional.

13. Acorns Early Invest, an UTMA/UGMA investment account managed by an adult
custodian until the minor beneficiary comes of age, at which point they assume
control of the account. Money in a custodial account is the property of the
minor.  Customers in the Gold Subscription Plan are automatically eligible for a
1% "Early Match" promotion on deposits by the Customer of up to $7,000 a year
per Early Account. All funds must be held in the applicable Acorns Early Account
for at least four years of the Early Match deposit date or until the beneficiary
reaches the applicable Age of Transfer, whichever is earlier. The Early Match
will be subject to recapture by Acorns if funds are withdrawn from the Early
Account during the four year period, up to the amount for which a 1% Early Match
was received. The Early Match will also be subject to recapture if a customer
downgrades to a Subscription Plan with a lower monthly fee within this period.

14. Custom Portfolios are non-discretionary investment advisory accounts,
managed by the customer. Custom Portfolios are not available as a stand alone
account and clients must have an Acorns Invest account. Custom portfolios are
not instant trading. Clients wanting more control over order placement and
execution may need to consider alternative investment platforms before adding a
Custom portfolio account.

15. The Acorns Gold GoHenry Benefit is available only to Acorns subscribers who
subscribe to the Acorns Gold Plan and is for the monthly GoHenry Child or Family
Plan Membership Fee, subject to these Waiver Terms. You will remain responsible
for any other fees that you owe under the GoHenry Cardholder Terms and
Conditions that are not included in the monthly GoHenry Child or Family Plan
Membership Fee, as applicable.

16. © GoHenry Inc. ("Acorns Early") All rights reserved. Acorns Early is not a
bank. The Acorns Early card is issued by Community Federal Savings Bank, member
FDIC, pursuant to license by Mastercard International. Our office is located at
Acorns Early, 5300 California Avenue, Irvine, CA 92617. Cardholder Terms and
limits apply.

17. It is not possible to invest directly in an index. Past performance is no
guarantee of future results.  

18. Acorns reserves the right to restrict or revoke any and all offers at any
time.

19. Compounding is the process in which an asset’s earning from either capital
gains or interest are reinvested to generate additional earnings over time. It
does not ensure positive performance, nor does it protect against loss. Acorns
clients may not experience compound returns and investment results will vary
based on market volatility and fluctuating prices. 

20. Diversification and asset allocation do not guarantee a profit, nor do they
eliminate the risk of loss of principal.

21. App rating references the combined all-time star rating received in Google
Play and Apple App Store. App Store rating as of 5/30/24.

22. ‘Save and Invest’ refers to a client’s ability to utilize the Acorns
Real-Time Round-Ups® investment feature to seamlessly invest small amounts of
money from purchases using an Acorns investment account.

23. The information contained on this website should not considered an offer,
solicitation of an offer or advice to buy or sell any security or investment
product. The information should not be construed as tax or legal advice. Please
consult your tax advisor with any questions.

24. Comparisons are based on the national average Annual Percentage Yields (APY)
published in the FDIC National Rates and Rate Caps as of October 16, 2023.

25. As of November 8, 2024, Mighty Oak Checking Annual Percentage Yield (APY) is
2.72% and Emergency Fund APY is 4.29%. APY is variable and subject to change at
our discretion, without prior notice. No minimum opening deposit or minimum
balance required. Acorns is not a bank. Banking services provided by and Mighty
Oak Debit Cards issued and provided by nbkc bank, Member FDIC, to Acorns
Checking account holders that are U.S. residents over the age of eighteen (18).
 

26. On August 21, 2024, Acorns changed the names of its Subscription Plans from
"Personal," "Personal Plus," and "Premium" to "Bronze," "Silver," and "Gold." No
other changes were made to the Subscription Plans at that time.

27. Over $22 billion invested since inception as of 6/26/2024. 

28. Amount invested from Round-Ups alone since inception as of July 31, 2024.   

Acorns, Round-Ups® investments, Real-Time Round-Ups® investments, Invest the
Change and the Acorns logo are registered trademarks of Acorns Grow
Incorporated. All product and company names are trademarks™ or registered®
trademarks of their respective holders. Use of them does not imply any
affiliation with or endorsement by them. 
 
For additional important risks, disclosures, and information, please
visit https://www.acorns.com/terms/
 
© 2024 Acorns Grow Incorporated | Disclosures | Accessibility
Acorns Early
Grow kids’ money skills
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