Acorns
Acorns Early (formerly GoHenry)
By Alex Compton · Last verified
GoHenry reborn inside Acorns, with custodial investing on the top tier
Insurance: Cards issued by nbkc Bank, Member FDIC (Visa) and Community Federal Savings Bank, Member FDIC (Mastercard)
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY / yield | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-10-12 | None | $8 Early Lite; included in the $12 Acorns Gold subscription | None | Acorns Early product page →Reconfirmed Early Lite and Gold pricing, ages 6-18, nbkc Bank and Community Federal Savings Bank card issuers, 35+ card designs, and the 1% Early Invest match on the first $7,000 invested per year |
| 2026-06-11 | None | $8 (Early Lite) or included in the $12 Acorns Gold subscription | None | Archive record · no attached snapshotLegacy snapshot before event-level evidence attachments |
Primary-source verification log
Append-only evidence ledger- confirmed
Guide-only check: $8 Lite/$12 Gold, up to four kids ages 6-18; distinguished debit service from custodial investments. Full-record date retained.
Acorns Early → - confirmed
Early Lite $8 and Gold $12 pricing, ages 6-18, nbkc/CFSB issuers and 1% Early Invest match on first $7,000 confirmed
Acorns Early product page →
Plan Options
Early Lite
$8
- ▸Smart money app and debit cards for up to 4 kids
- ▸Chores, automatic allowance, and savings goals
- ▸Real-time spend alerts, limits, and instant card blocking
Acorns Gold
$12
- ▸Everything in Early Lite, bundled with the full adult Acorns suite
- ▸Early Invest: UGMA/UTMA custodial investment accounts for the kids
- ▸1% Acorns match on the first $7,000 invested per year
Features
- ▸Debit cards for up to 4 kids ages 6-18 on one plan
- ▸Chore tracking that pays out allowance automatically when tasks are checked off
- ▸Savings goals with optional auto-save
- ▸Real-time notifications, per-kid spending limits, and instant card lock for parents
- ▸35+ customizable card designs kids actually want to carry
- ▸In-app financial literacy content carried over from GoHenry's Money Missions
- ▸Gold tier adds UGMA/UTMA custodial investing with a 1% contribution match
Pros
- +One fee covers up to 4 kids, competitive with Greenlight Core
- +Gold bundle is strong value: adult Acorns investing plus kid banking plus custodial accounts for $12
- +1% match on custodial contributions is free money no kid-banking rival offers
- +Chore and allowance engine is among the best in the category
Cons
- −No interest or savings reward on kid balances, unlike Greenlight and Step
- −No cash back on spending at any tier
- −Rebrand from GoHenry means older reviews and pricing you'll find are stale
- −Standalone Lite at $8 is more than Greenlight Core with fewer features
Our Take
Acorns bought GoHenry and folded it into the family as Acorns Early, and the interesting product is the bundle, not the standalone card. At $8, Early Lite is an unremarkable chores-and-allowance card. At $12, Acorns Gold packages the kid cards with custodial UGMA/UTMA accounts, a 1% match on contributions, and the full adult Acorns robo-investing suite, which is hard to beat if you were going to pay Acorns anyway. Skip Lite, decide on Gold.
Best for: Acorns users who want kid debit cards and custodial investing under one subscription
Open at Acorns →Last verified 2026-10-12
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