Depending on which subscription tier and pricing you choose, you can take advantage of the variety of accounts and products that Acorns offers, including: Acorns Later, which helps you find the right retirement account for you, to include an investment portfolio and IRA Acorns Spend, an all-digital bank account with a slew of valuable features; this is a checking account that comes with a debit card Acorns Invest, a micro-investing account that puts your spare change to work for you, and can be set up in less than five minutes Acorns Early Acorns Earn, helps you earn money from brands when you shop in their online stores In addition to its accounts, Acorns also offers Acorns Grow, a free, resource-rich library of financial literacy content, created in partnership with CNBC. It's designed to educate consumers on everything from credit card debt to student loans.