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Investing involves risk, including the loss of principal. Please consider your objectives, risk tolerance, and Acorns’ fees before investing. Investment products and services offered by Acorns Advisers, LLC (Acorns), an SEC Registered Investment Adviser. Brokerage products and services are provided by Acorns Securities, LLC, an SEC registered Broker Dealer, Member FINRA/SIPC. Investment products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.

1. Acorns is not a bank. Acorns Visa™ debit cards and banking services are issued by Lincoln Savings Bank or nbkc bank, members FDIC. Acorns Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from within the AllPoint Network ATMs. Please see your Acorns Subscription Center or Account Statements for a description of the fees you pay to Acorns for its services. Any balances you hold in Acorns Checking Account(s) are added together and are insured up to $250,000 per depositor through Lincoln Savings Bank or nbkc bank, Members FDIC. Acorns Checking is not FDIC-insured. FDIC insurance only covers the failure of an insured bank.

Lincoln Savings Bank or nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Acorns Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.

Acorns Early is not a bank. The Acorns Early card is issued by nbkc Bank, Member FDIC, pursuant to license by Visa®, and Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Cardholder Terms and limits apply.

Acorns, GoHenry, Round-Ups® investments, Real-Time Round-Ups® investments, Invest the Change and the Acorns logo are registered trademarks of Acorns Grow Incorporated. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

2. Early Payday depends on the timing of the submission of the payment file from the payer and fraud prevention restrictions. Funds are generally available on the day the payment file is received, up to 2 days earlier than the scheduled payment date. Timing may vary.

3. As compared to the national average checking and savings interest rates as noted by the FDIC as of 03/16/2026. The Mighty Oak Card APY is current as of 03/16/2026. Interest rates are subject to change. No minimum balance required.

4. As of December 11, 2025, Mighty Oak Checking Annual Percentage Yield (APY) is 2.18% and all Emergency Savings APY is 3.35%. APY is variable and subject to change at our discretion, without prior notice. No minimum opening deposit or minimum balance required. Acorns is not a bank. Mighty Oak and Emergency Savings banking services provided by, and Mighty Oak Debit Cards issued and provided by nbkc bank, Member FDIC, to Acorns Checking account holders that are U.S. residents over the age of eighteen (18).

Over 14 million all-time customers and over $30 billion invested since inception as of 2/13/2026. App Store rating as of 8/19/25.

Acorns Wrap Fee Brochure | Form CRS | FINRA’s BrokerCheck

For additional important risks, disclosures, and information, please visit https://www.acorns.com/important-disclosures/.

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