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Acorns Early vs U.S. Bank

Acorns Early is a good banking app with fun educational content. How does it compare to U.S. Bank? 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 U.S. Bank has over 2,900 branches across 27 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.

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

 Acorns EarlyU.S. Bank
Member FDIC
 Visit SiteLearn More
 

Acorns Early

U.S. Bank

SPECIAL OFFER
Acorns Early Kids' Debit Card - Learn More

Read Acorns Early Review

SPECIAL OFFER
U.S. Bank Business Essentials - $500 Bonus

Read U.S. Bank Review

 

Benefits and Features

SavingsCreate savings goals; No APY (parent-paid interest only)Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking or Safe Debit account, or for accounts with a minor under the age of 18.
CD Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.
CheckingDebit card up to 4 kids (Family Plan); 1 debit card (Individual Child)
Smartly Checking
Kids Debit Card
Check
 
Money Market 0.01% - 0.25% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Primary tier or above, or maintain a $10,000 minimum daily balance.
Mobile App
iOS & Android
iOS & Android
ATMsNo fee for either domestic (US) or international ATM use. ATM owners may charge a fee.4,700+ U.S. Bank ATMs across the country
 

CreditDonkey® Reviews

 Acorns EarlyU.S. Bank
SavingsStarStarEmpty StarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
Minimum DepositStarStarStarStarStar
CheckingStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
PriceStarStarHalf StarEmpty StarEmpty Star
Mobile AppStarStarStarStarEmpty StarStarStarStarStarHalf Star
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarStarHalf Star
Ease of UseStarStarStarStarStar
EducationStarStarStarStarStar
CDStarStarStarStarEmpty Star
Money MarketStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • 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:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • Low standard savings APY
Bottom LineGood banking app with fun educational content... Read full reviewBig national bank with wide array of services and many account options... Read full review
 Visit SiteLearn More

    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.

    U.S. Bank: Pricing information from published website as of 05/09/2025 based on 91107 zip code.

    Acorns Early Kids' Debit Card

    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

    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

    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
    U.S. Bank
    Member FDIC

    U.S. Bank Business Essentials - $500 Bonus

    Promo code Q2AFL25 MUST be used when opening a U.S. Bank Business Essentials, Silver, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

    Earn your $500 Business Checking bonus by opening a new U.S. Bank Business Essentials or Silver Business Checking account between 4/3/2025 and 6/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

    Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

    New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

    Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

    Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

    All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

    Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC

    Expires 6/30/2025
    U.S. Bank
    Member FDIC

    U.S. Bank Platinum Business Checking - $900 Bonus

    Promo code Q2AFL25 MUST be used when opening a U.S. Bank Business Essentials, Silver, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

    Earn your $900 Business Checking bonus by opening a new U.S. Bank Platinum Business Checking account between 4/3/2025 and 6/30/2025. You must make deposit(s) of at least $25,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $25,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

    Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

    New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

    Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

    Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

    All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

    Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC

    Expires 6/30/2025
    U.S. Bank
    Member FDIC

    U.S. Bank Payment Solutions - Earn up to $1,000 in 3 months

    Earn up to $1,000 in statement credits over 3 months when you open a new U.S. Bank Payment Solutions account and complete qualifying activities. Member FDIC.

    Offer:

    • Open, and be approved for, a new U.S. Bank Payment Solutions Merchant Account (MID) by June 30, 2025.
    • Keep the approved account in an open status and be actively accepting and settling card payments at thee time the statement credit is issued.
    • Get merchant fees refunded up to $1,000 over three months
    Expires 6/30/2025

    Which is Better: Acorns Early or U.S. Bank?

    In short: U.S. Bank's customer service is notable.


    Articles on Acorns Early

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    How Much Does Acorns Early (formerly GoHenry) Cost

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    Is Acorns Early (formerly GoHenry) Safe

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    Articles on U.S. Bank

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    U.S. Bank Savings Account Interest Rate

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    Who Owns U.S. Bank

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    U.S. Bank Business Checking Requirements

    Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.

    U.S. Bank Complaints

    U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.

    U.S. Bank vs Chase Business Checking

    U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.

    U.S. Bank Checking Bonus

    Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.

    U.S. Bank Business Checking Account

    Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.

    U.S. Bank Routing Number

    To transfer money in or out of your U.S. Bank checking or savings account, you'll need the right routing number. Find your U.S. Bank routing number below.

    Which Do You Think is Best?





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