An “ACORNUSA” or “ACORNS” line on your bank or card statement is a recurring monthly subscription fee from Acorns, the micro-investing app run by Acorns Grow Inc. The charge is $3, $6, or $12 depending on which plan is active on the account, and it will keep hitting your account every month until you cancel the subscription itself, not just close an account or delete the app.1Acorns. Acorns Pricing
The transaction descriptor varies by bank and may show up as “ACORNUSA,” “ACORNS,” or “ACH ACORNS.” Acorns pulls the fee from your linked bank account by ACH transfer on the same day each month.
Which Plan You’re Being Billed For
Acorns charges a flat monthly fee with no per-trade costs. The amount on your statement tells you which tier is active:1Acorns. Acorns Pricing2Acorns Support. Pricing Fee Structure of Acorns Subscription Plans
- $3 per month is Bronze: a basic investment account, Round-Ups, and an IRA.
- $6 per month is Silver: everything in Bronze plus a checking account, emergency savings, and a 1% first-year IRA match.
- $12 per month is Gold: everything in Silver plus custodial kids’ accounts (Acorns Early), custom portfolios, a 3% first-year IRA match, and a $10,000 life insurance policy.
If your statement reads “Acorns Early” or “Acorns Early-GoHenry” instead, that is the kids’ money app. GoHenry rebranded to Acorns Early on November 18, 2024, so prior GoHenry subscribers now see the Acorns Early label.3Acorns Support. Why Am I Seeing an Acorns Early Charge on My Bank Statement4GoHenry. GoHenry Is Becoming Acorns Early Standalone Acorns Early pricing is $5 a month for one child or $10 a month for up to four; Gold subscribers already have it included.
Why the Charge Is Still Hitting Your Account
Most people who are surprised by this charge fall into one of a few groups: they signed up for the free trial and forgot, they deleted the app, they withdrew their money, or they closed an Acorns account and assumed billing stopped. None of those actions cancels the subscription.
The free trial lasts one month. It begins the day you open the account and ends the day before your first billing date. If you don’t cancel before it expires, Acorns automatically charges your linked funding source for whatever plan you picked.5Acorns. Free Trial Terms and Conditions
The bigger trap is the gap between an account and a subscription. Acorns runs several separate account types (Invest, Later, Checking, Emergency, Early Invest), and closing one or all of them does not stop the monthly fee. You have to go into subscription settings and cancel the subscription as its own step.6Acorns Support. Will I Be Charged a Subscription Fee if My Acorns Accounts Are Closed Deleting the app from your phone does nothing to billing. Withdrawing all your money does nothing either. Acorns has stated it will not refund fees charged in any of those situations.7Acorns Support. I Think I Was Charged a Subscription Fee Incorrectly
One more thing worth knowing: under the program agreement, if your main linked bank account can’t be debited, Acorns can try a secondary funding source, and if that also fails, it can sell ETF shares or stocks in your Acorns accounts to cover the unpaid fee.8Acorns. Acorns Program Agreement
How To Cancel and Stop the Monthly Fee
Canceling the subscription will also close your associated Acorns accounts. The steps are short.9Acorns Support. How Do I Cancel My Acorns Subscription
In the Acorns app, log in, tap the profile icon, open Settings, then My Subscription, scroll to Manage Subscription, and tap Cancel Subscription.
On acorns.com, log in, go to Profile & Settings, select My Subscription, scroll to Manage Subscriptions, and tap Cancel Subscription.
Before the account fully closes, pending transactions like Round-Ups or recurring investments have to finish processing. Acorns then sells any remaining shares and transfers the cash balance to your linked checking account, which usually takes three to six business days.10Acorns Support. How Do I Close My Acorns Invest Account Selling investments can create capital gains or losses, so there may be tax consequences at year-end.
If you cancel within a day or two of your usual billing date, expect one final charge to still go through because of bank processing delays.6Acorns Support. Will I Be Charged a Subscription Fee if My Acorns Accounts Are Closed
Getting Your Money Back
Acorns’ written policy is that subscription fees are non-refundable, with no proration for partial months.8Acorns. Acorns Program Agreement The company specifically declines refunds for charges that hit before a downgrade, after a withdrawal without closure, or after the app was deleted.7Acorns Support. I Think I Was Charged a Subscription Fee Incorrectly It’s still worth asking: call support at (855) 739-2859 (5 a.m. to 7 p.m. PT, seven days a week), email support@acorns.com, or use the in-app and website live chat.11Acorns Support. Acorns Contact Support
If the transaction was genuinely unauthorized (something you never signed up for), Acorns has a separate dispute process for its checking account. Log in at acorns.com, go to Banking, select the transaction under Recent Activity, click Report a Problem, then Dispute a Transaction, and submit the form. Acorns says a team member will respond by email within ten calendar days.12Acorns Support. What Do I Do if I See Unauthorized Transactions in My Acorns Checking Account
If Acorns refuses and you believe the charge was unauthorized, your remaining option is a chargeback through your bank. Consumers generally have 120 days from the transaction date to open a dispute. Your bank will investigate, review both sides, and decide whether to reverse the charge. Cancel the Acorns subscription first; otherwise the next monthly fee will post while the dispute is pending.