Acorns Early vs Citibank

Acorns Early is a good banking app with fun educational content. How does it compare to Citibank? Read our comparison chart below.

Acorns Early is a financial learning app for ages 6-18. It lets kids spend with a debit card, set savings goals, get paid for chores, and more. The app evolves with kids to suit their needs at different ages. Plans start from $5/mo per child.

While Citibank has over 600 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

Compare Acorns Early with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Acorns Early	Citibank
		Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Acorns Early Kids' Debit Card - Learn More Read Acorns Early Review	OFFER Citi Checking - $1,500 Bonus Read Citibank Review
	Benefits and Features
Savings	Create savings goals; No APY (parent-paid interest only)	Citi® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD		6-Month Fixed Rate CD - 3.00% APY 9-Month Fixed Rate CD - 3.00% APY 5-Year Fixed Rate CD - 2.00% APY 1-Year Fixed Rate CD - 0.10% APY 3-Month Fixed Rate CD - 0.05% APY
Checking	Debit card up to 4 kids (Family Plan); 1 debit card (Individual Child)
Kids Debit Card
Money Market
Mobile App	iOS & Android	iOS & Android
ATMs	No fee for either domestic (US) or international ATM use. ATM owners may charge a fee.	More than 65,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
	CreditDonkey® Reviews

Savings
Minimum Deposit
Checking
Price
Mobile App
Customer Service
Ease of Use
Education
CD
Pros & Cons	Pros: App evolves with your child Flexible parental controls Game-like educational tools Cons: Accounts don't earn interest Can't cancel through the app	Pros: Perks for high balance customers Many fee-free ATMs Global presence Cons: No free checking option Higher balance requirements Low savings APY
Bottom Line	Good banking app with fun educational content... Read full review	Large national bank best for high balance customers... Read full review
	Visit Site	Learn More
	Acorns Early Kids' Debit Card Acorns Early Debit Card for Kids and Teens Acorns Early Debit Card for Kids 6-18
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Acorns Early: Pricing information from published website as of 11/30/2024. Citibank: Pricing information from published website as of 05/07/2025. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

Acorns Early Kids' Debit Card

Real-time spend notifications.
Block and unblock cards easily.
Teach financial independence safely.

Acorns Early card is issued by Community Federal Savings Bank, member FDIC

Acorns Early Debit Card for Kids and Teens

For kids ages 6-18
Customize chores and allowance
Set spending controls and limits
$5/mo per child

Acorns Early card is issued by Community Federal Savings Bank, member FDIC

Acorns Early Debit Card for Kids 6-18

Over 2 million members
Customize chores and allowance
Full parental controls - monitor transactions, set spending limits, block unsafe merchants
Teach kids financial responsibility safely
30 days free; then $5/mo per child

Acorns Early card is issued by Community Federal Savings Bank, member FDIC

Articles on Acorns Early

GoHenry Review

Acorns Early offers kids a debit card and fun money lessons. But is it worth the monthly fee? Find out the pros, cons, and whether it's safe for your child.

Acorns Early (formerly GoHenry) vs Greenlight

Acorns Early vs Greenlight: Which is the best debit card for kids? Find out the pros, cons, and differences between Acorns Early and Greenlight.

How Much Does Acorns Early (formerly GoHenry) Cost

Is Acorns Early worth the monthly fee? Find out if Acorns Early is a good debit card for kids. Plus, check out the best free Acorns Early alternatives.