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Acorns Early

Monthly fee, APY, bonus, and minimum deposit are copied from the provider's page, with the date we checked.

Reviewed by Jason Keyz. Facts checked Nov 13, 2026.

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Best for A kids' debit card inside an Acorns subscription

Acorns Early

Acorns

Fintech (banking by nbkc Bank, Member FDIC, and Community Federal Savings Bank, member FDIC)

Monthly fee
$8 to $12Acorns Early, formerly GoHenry, is for kids ages 6 to 18. Early Lite is $8 a month and includes the kids' money app and up to 4 debit cards. Acorns Gold is $12 a month and includes Early. Gold also includes parent accounts. The 3.59% emergency savings APY on that page is a parent checking feature, not the kids' card.as of Nov 13, 2026 source
  • Up to 4 kids' debit cards
  • Ages 6 to 18
  • Parent spending alerts
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What we have verified

Bank or fintech
Fintech. A partner bank provides the banking services unless the provider's own site says otherwise.
In the provider's words
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.as of Nov 13, 2026, source
Partner bank
nbkc Bank, Member FDIC, and Community Federal Savings Bank, member FDIC
Deposit insurance
Acorns says the Early card is issued by FDIC member banks. Cardholder terms and limits apply. Investing accounts on the same site are not FDIC insured.

FDIC insurance, when it applies, protects deposits if an insured bank fails. With a fintech, coverage comes through the partner bank. See the FDIC guide to deposit insurance and our explainer.