Acorns revised its Acorns Checking disclosure to specify that ATM fee waivers cover 'over 55,000 fee-free ATMs within the AllPoint Network' rather than a general reference to the AllPoint Network. More significantly, the updated terms relocated FDIC insurance language and restructured coverage descriptions. The prior language stated 'Acorns Checking is not FDIC-insured' followed by an explanation of how funds may be placed at other banks. The updated language removes the 'not FDIC-insured' statement and expands the deposit insurance description to clarify that balances held with Lincoln Savings Bank or nbkc bank, 'including but not limited to those balances held in Acorns Checking accounts,' are insured up to $250,000 per depositor, with separate coverage for joint account owners. The restructured language preserves the disclosure that funds may be placed at other FDIC-insured institutions through a deposit network service.
The updated terms clarify FDIC insurance protections for Acorns Checking depositors. The prior disclosure stated that Acorns Checking itself is not FDIC-insured; the updated language states that balances held with Lincoln Savings Bank or nbkc bank, including those in Acorns Checking accounts, are insured up to $250,000 per depositor through these member banks, with separate coverage for joint account owners. The updated terms preserve the disclosure that funds may be placed at other FDIC-insured depository institutions through a deposit network service. The revised ATM language specifies access to 'over 55,000 fee-free ATMs' rather than a general reference to the AllPoint Network.
→ Review your Acorns Checking account disclosures to confirm your deposit balance coverage limits.
Changed from stating 'Acorns Checking is not FDIC-insured' to clarifying that balances held at Lincoln Savings Bank or nbkc bank are insured up to $250,000 per depositor, with separate coverage for joint accounts.
Updated to specify 'over 55,000 fee-free ATMs within the AllPoint Network' rather than a general reference to the AllPoint Network.
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
Acorns revised its deposit insurance disclosure to clarify that Acorns Checking balances are held at and insured by Lincoln Savings Bank or nbkc bank (FDIC members) up to $250,000 per depositor, rather than stating the …
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