Can I link a savings account as my Primary Checking account?

Thank you for growing with us! While it is possible to fund your account with a savings account, we generally recommend using a checking account.

Federal regulation limits the withdrawals from a savings account to six transactions per month. If you reach this limit with automatic transfers, like Round-Ups® or a Recurring Investment, you could incur a service charge from your bank. 

Acorns isn't liable for any fees charged by your bank if you decide to use a savings account as your primary checking account.

Here's how to link an account as your primary checking account:

From your Acorns app:

1. Log into your account
2. Tap the profile icon in the upper left corner of the screen
3. Tap "Settings"
4. Tap "Linked Accounts"
5. Tap "Change Primary Checking" at the bottom of the screen
6. You then have 2 options:
   1. Type the name of your bank in the search bar, or
   2. Tap “Add your bank manually.” Then enter your Routing Number and Account Number in the fields and tap "Link Account" at the bottom of the screen. 

From acorns.com:

1. Log into your account
2. Click on "Profile & Settings" in the bottom left corner of the screen
3. Click on "Linked Accounts"
4. Click on "Change primary" towards the top of the screen
5. You then have 2 options:
   1. Type the name of your bank in the search bar, or
   2. Select “Link Manually”. You’ll then need to enter your Routing Number and Account Number in the fields and tap "'Link Account"' at the bottom of the screen.

Heads up

When you update your linked account, we may request documentation to verify your identity. If this is required, we’ll send you an email with instructions.

For more on the types of accounts that can be connected to Acorns, check out this FAQ.

We’re excited to help you grow your oak!