What do I do if I see unauthorized transactions in my Acorns Checking account?

Review Your Recent Activity

Feel free to review your account’s recent activity, including the merchant details, transaction dates, status, and descriptions. To access your recent activity, please take the following steps:

1. Select "Checking"
2. Scroll down to Recent Activity and select "View all"
3. Here, you’ll see a list of past and pending transfers for each account as well as their balance breakdown.

Please note that if a transaction is currently processing it cannot be canceled. Transactions typically take 1-3 business days to settle. Once the transaction has settled you may proceed to initiate a dispute.

Contact the Merchant

Merchants typically resolve payment issues within a few days, although banks may take longer. When contacting the merchant, note the date, the person you spoke to, and the information they provide. These details may be needed for the dispute process later.

Initiate a Dispute

To start an investigation for any unauthorized transaction, please complete the Dispute Form. You’ll be prompted to log in and fill out the required information to file a dispute. Our team will reach out to you once the form is submitted.

What Happens After I Submit My Dispute? 

After form submission, a dedicated team member will be assigned to your case. They will handle your case and serve as the point of contact for all dispute-related inquiries for this submission. You will be contacted via email by the assigned Acorns team member who will confirm we are investigating the matter, ask additional questions, or provide any updates. Our team will reach out within 10 days of the dispute form submission. Email will be the primary mode of communication during the investigation.

For status updates or to discuss your dispute, reply to the email thread with the Acorns team member handling your case. If you prefer phone communication, include your details in the dispute form notes or request a phone call in the email thread.

For any other inquiries or concerns not related to your dispute, please contact support.