Acorns Routing Number: Investing and Banking Guide

What is the Acorns routing number?

Acorns uses routing number 073923033, which belongs to Lincoln Savings Bank, one of Acorns' partner banks. Acorns is a financial technology company that offers micro-investing, banking, and retirement accounts through its mobile app.

Acorns provides banking services through its Acorns Checking product, which includes a debit card and the ability to receive direct deposits. Since Acorns is not a chartered bank, it relies on partner banks like Lincoln Savings Bank and NBKC Bank to hold customer funds.

How to find your Acorns routing number

Open the Acorns app and navigate to your Checking account. Tap on your account details to view your routing and account numbers. Your routing number is displayed alongside your unique account number.

If you do not see a routing number in your Acorns account, you may need to activate the Acorns Checking feature first. Acorns Checking is available with Acorns Personal, Family, and Premium subscription tiers.

Acorns direct deposit and early pay

Acorns supports direct deposit through your assigned routing and account numbers. With Acorns Early Direct Deposit, you can receive your paycheck up to two days before your scheduled payday when your employer sends the deposit early.

To set up direct deposit, provide your employer with the routing number 073923033 and your Acorns account number. You can also use these details to receive tax refunds, government benefits, and other ACH deposits.

Acorns transfers and limitations

Acorns supports standard ACH transfers between your Acorns Checking account and external bank accounts. Transfers typically take one to three business days to process, depending on the receiving bank.

Acorns does not currently support wire transfers, either incoming or outgoing. If you need to send or receive a wire, you will need to use a traditional bank account. Acorns is primarily designed for everyday spending, saving, and investing.

Business banking with Slash

Acorns is an excellent tool for personal investing and saving. For businesses, Slash offers a complete banking platform with full ACH and wire transfer support, unlimited virtual cards, real-time expense management, and automated financial tracking.

While Acorns focuses on helping individuals grow their wealth, Slash is built for businesses that need professional banking infrastructure — including multi-user access, granular spend controls, up to 2% cashback, and native accounting integrations.