This analysis describes what Acorns's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Acorns can alter the terms governing the user relationship at any time, with posting on the site serving as the sole required mechanism.
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.
View change record →Users are subject to amended terms whenever Acorns posts them, with no additional direct notice to users required by this clause.
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We reserve the right to make changes to our site, policies, Service Terms, and these Conditions of Use at any time.
If you continue to access the Services after we post the updated version of these Terms on our website or otherwise give you notice of changes we make to these Terms, then you agree to the updated Terms.
These terms may change from time to time. Notice of material changes will be posted on this page with an updated effective date...however, you are responsible for regularly checking this page for any changes.
"We may amend these Terms of Use at any time by posting the revised Terms of Use on the Site and Application.Excerpt from Acorns's Terms of Service
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Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
Acorns can alter the terms governing the user relationship at any time, with posting on the site serving as the sole required mechanism.
Users are subject to amended terms whenever Acorns posts them, with no additional direct notice to users required by this clause.
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