Acorn banking!

Acorn Banking- Investing in Your Future

The last time I posted we were going over different tips on how to budget. In that post I began talking about Acorn Banking, and the benefits of using them over a more traditional style banking. I did not go over everything I liked about Acorns in that post because I felt it would take up so much of the post. If you would like to check that one out, here is the link.

Today I would like to continue on with that though, and talk about why I recommend Acorns to every person, even if you are not in college. I feel like it is a bank that can be invest in your future! So let’s take a look at Acorns today and find out if it is right for someone like yourself!

Acorns Banking Overview

Name- Acorns


Bank Owner- Lincoln Savings Bank

Overall Review- 9.8 out of 10

Pros- Easy to use, savings account based on stock market, later account for retirement funds, spending accofive dollarsunt for everyday purchases, can lock your card at the push of a button so it is unusable, sturdy debit card, easy to use app that allows you to invest into your account directly, never have to worry about change if you opt in to have change moved to your savings, different stock profiles to choose from, can opt in and out of spare change with the push of a button, responsive costumer service, ATM reimbursements, free five dollar investment when you sign up!


Cons- can take a few weeks to receive debit card, no physical locations so it’s all online and on the app, have to use ATM to get money which comes with fee (those fees are credited back into your account every month though!), there are monthly fees though those are low when compared to some bank plans

Cost- 5 dollar investment, 1-6 dollars a month depending on the accounts you want to add, (core stock 1 a month, spend account 3 a month, and later account 2 a month)

Recommend- Highly Recommend!

Acorns Banking- Stock Market

So Acorns big thing is the fact that they allow you to invest in stock in small amounts. If you just sign up for the savings account, which goes into the stock market, you can transfer money over to that savings account. I have mine set to automatic, fifty dollars, every two weeks.

This makes it easy to begin investing in stock, which usually leads to good returns later on in life! You can invest in as much or as little as you want!

When you first sign up you will be asked what type of investor you are, and you can choose aggressive, moderate, or Bankingconservative. Aggressive has a chance of a higher payout, but it also has the potential of being the profile that is hit the hardest when the market goes south. I prefer this market because the rush involved with it!

What really sets these guys apart though, is that you can also opt in a program that allows your spare change from a transaction to be transferred to your stock market! You can either do this through an external bank, or you can actually do it through you Acorns Spend Account, if you want to bank with them!

You also have the option of doubling, tripling, and even taking the change amount and multiplying it by ten, to have that transferred to your account after a transaction. I usually do the double, which means if there is .15 cents left after the transaction, they double it to .30 cents. It is a really cool and innovative way to get people interested in the stock market!


Easy to Use App

Another great thing about Acorns Banking is the fact that the app is so easy to use! The app is where you can do almost everything you need done. You can deposit checks through the app, set up direct deposit, check your balance on all your accounts, check the stock market value of your accounts, and even lock and unlock your card!

This kind of banking is perfect for the college student because you can do everything with a touch of a button. That is typically all it takes to get things done with Acorns!

One thing I absolutely love about the app is the fact that I can log in and lock and unlock my card just by pushing a button! I ALWAYS keep my card locked until I need to pay for something, then all I do is push the button and unlock it, and then lock it after I finish the transaction.

Another reason that is so good, especially for the college student, is for free trials. Do you want a free trial with Netflix but you are worried you may forget to cancel it before they charge you? Just keep your card locked and they cannot charge you! It is so simple and it works like a charm!

If you get paper checks (although it is the modern era there may be some of you who still have to deal with those), you can sign the back of it, follow the prompt on the app, and it will deposit the check for you! It’s as simple as that!

Strong, Modern Debit Card

This is an odd one, I will admit, but it is one that I had to add in here! When you are signing up for the Spend account you will be asked to digitally sign your name. You will receive your card in the mail, and on the back will be your signature engraved into the card! It is actually pretty cool.

tungstenThe card itself, you will find, is quite heavy as well, at least compared to other debit cards. This is because it is made tungsten, which is a rare heavy metal. This is done with a symbolic meaning, reminding us how important it is to save our money and to budget.

I get comments all the time from people saying the card is heavy and cool looking. That is something I value a lot, but that is because I like leaving impressions on people who I may be able to network with!

The card is also a very pretty green color. Just thought I’d throw that in there!

Reimbursements of Withdraws

Another great thing about this bank is that you get your fees from the ATM reimbursed every month! So if you do have to take money out at the ATM, and they charge you a fee, you get that money back! No forms, no hassle, none of that! It comes back on automatically every month!

This is just a small courtesy they do that I thought was nice and wanted to add into the review!

Sign up now for free Investment!

Now is the time to sign up! If you do so you actually get a five dollar investment put into your account! That is free money for you! I am confident that you will enjoy this banking app a lot!

===>>> Don’t miss your chance for free money! Sign up now! <<<===

This banking is perfect for all those that are really for a new era in banking! It is for those ready to invest in their future! Acorns is for you my friend!

If you interested in more than just banking, and want to know a way to make money online while you are doing your studies, check out my top choice here! Don’t miss out on that opportunity either! It’s free too!

If you have any questions or comments be sure to leave them below and I will get back with you as soon as possible! Don’t forget to subscribe so you don’t miss any post, and share with your friends so they can take advantage of this as well!


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  1. I have used Acorn before, it looks like they have added a few things since I last used it! I always liked the round-up idea though, so that is easy to start investing without a lot of money. I have since moved on to Stash, are you familiar with it? Similar idea to Acorns, a good way for beginner investors, but it gives you a little more control over where your investments go. I like both programs though, they are both great for getting into the investment game!

    1. I have heard of Stash.  I have not used it though, and I might actually check it out and see what it has to offer!  I like the control for sure!

  2. Thanks a lot for such an amazing review about Acorn Banking and explanation are given.

    I have heard many times about Acorn Banking, but I was not sure what it is, so I decided to read on the Internet, this is the best article I have managed to find. It is a good investment for the future.

    Thanks again for this post. If you don’t mind, I will share this article on my social media account. Good luck!

  3. Money, in my opinion, is not the most valuable thing in life, but it is nice to know that you have a certain amount of money, saved or invested, which you can use if needed. I actually think that health and happiness are the two most significant things in life. Having this pool of money helps to keep me healthy and happy, as it means that I do not have to stress as much about the future. Thanks for this great insight about Acorns

    1. Thank you very much!  I’m glad you enjoyed the post and I hope that you start using the app!  they have some great perks involved!

  4. I’ve heard a little bit about Acorns, but definitely not anything as in depth as your posts, and I appreciate the comprehensive overview here. I like that they allow you to invest in stock in small amounts. With the electronic trading world advancing further it’s nice to be able to invest in any amounts from anywhere. No ATM fees definitely is an added bonus. Acorns not only has some fine bells and whistles it looks pretty seamless to use. I’ll definitely check it out further through your link here, thanks! 

    1. You are welcome!  I have been using them for about three years now, and so I have been able to see all the new things that they have added as they develop.

  5. I love Acorns Banking. It’s an amazing banking platform to secure a future that is financially matured enough to handle the financial aspects of life. The free five dollars investment is something to be excited about even as one gets introduced to the platform as a newbie. I love that we can get a card we’d use for transactions. This is something to check out.


    1. Thank you very much!  Acorns Banking is an awesome Banking App and I highly recommend it to everyone who wants to invest!

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