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wells fargo won t link to acorns

Clients who have experienced changes to their goals, financial circumstances, or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the Acorns app or through the website. Acorns does not provide access to invest directly in Bitcoin. 2. Try it again. 7. This type of marketing partnership gives Acorns an incentive to refer clients to business partners instead of to businesses that are not partners of Acorns. 11. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Can I send a check using my Acorns Checking account? Acorns Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from in-network ATMs. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. The ETFs comprising the portfolios charge fees and expenses that will reduce a clients return. by Chuck. Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. Safeway: Purchase $50 In Select Giftcards & Get [Targeted] Citi Sears: Earn $60 Per Month. Acorns Earn provides subscribers access to shop with our partners and earn bonus investments into your Acorns Invest portfolios when purchasing items from the partner brands. But I have not had any issues with Wells Fargo or acorns app. Real-Time Round-Ups investments accrue instantly for investment during the next trading window. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Wells Fargo is a pretty huge bank so I'm very surprised that they wouldn't support it? 16. Why will my money be invested in index funds? How do I make a deposit into my Acorns Invest account? Requires both an active Acorns Checking account and an Acorns Investment account in good standing. Business, Economics, and Finance. Transaction Processing Timeframes - Investment Deposits/Contributions, Withdrawals, and Checking Transfers, https://www.fdic.gov/resources/deposit-insurance/, After logging in to your account, tap the menu (avatar) in the upper left corner of the screen, Search for your bank and connect using your banking credentials, After logging in to your account, click on the menu (avatar) in the upper right corner of the screen. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. To troubleshoot this issue, follow these instructions: After logging in to your account, tap the menu (avatar) in the upper left corner of your screen, Select your bank by scrolling through the list or searching for your bank in the search box, Enter your banks online banking credentials, Enter your banks online banking credentials and click Submit, If you receive an error or have any issues relinking your bank account to your Round-Ups please reach out to us for further assistance athttps://help.acorns.com/contact. Invest, an individual investment account which invests in a portfolio of ETFs (exchange traded funds) recommended to clients based on their investment objectives, time horizon, and risk tolerance. Acorns Checking Real-Time Round-Ups invests small amounts of money from purchases made using an Acorns Checking account into the clients Acorns Investment account. The UI is garbage. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of its business partners. Then continually raise the fees. Zelle may be used to send direct donations only to American Red Cross Disaster Relief. 18. Elements Financial 5% APY Checking Account; Rate Guaranteed for 1 Year, Wells Fargo $325 Checking Bonus Available Online, [WA, ID & OR only] BECU $200 Checking Bonus No Direct Deposit Required, [IN, KY, MN & MI] Old National Bank $300/$450 Checking Bonus, Wells Fargo $300 Checking Bonus Available Online, [OR, WA, CA & ID] Banner Bank $200 Checking Bonus, Direct Deposit Optional. Receive money for booking the limo and tickets. Transactions between enrolled users typically occur in minutes. But Im not planning on spending $300/yr on socks, so I guess its time to close. Additional information on FDIC insurance can be found athttps://www.fdic.gov/resources/deposit-insurance/. Acorns is not a bank. Can I transfer stocks from Robinhood to Acorns? Press J to jump to the feed. Money in a custodial account is the property of the minor. Why am I unable to log in to my Acorns Account? Although the alert within your app states your Round-Ups are unavailable, it may just mean you need to refresh the connection with your bank! Ive tried like 10 times. Please consult your tax advisor with any questions. Please consult your tax advisor with any questions. Acorns may receive compensation from business partners in connection with certain promotions in which Acorns refers clients to such partners for the purchase of non-investment consumer products or services. 17. Why did I receive a postcard from saytechnologies.com? Lincoln Savings Bank or nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Acorns Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). Governance deals with a companys leadership, executive pay, audits, internal controls, and shareholder rights. Real-Time Round-Ups investments accrue instantly for investment during the next trading window. 10. Subscribers are, however, not required to purchase the products and services Acorns promotes. If you choose to change any settings, unlinking and relinking should update your connection. How can I add my bank if it is not listed for Round-Ups? NMLSR ID 399801. 5. The American Red Cross logo is a registered trademark owned by The American National Red Cross. 19. Send money to let her pick out what she really wants. 1999 - 2023 Wells Fargo. The only reason Id kept my account this long was because they had a nice cashback percentage on Stance and Uber Eats which would cover my fees annually. Investors seeking direct exposure to the price of bitcoin should consider a different investment. 12. Betterment's premium plan ups the game with access to a human advisor . Environmental criteria considers how a company performs as a steward of nature. 15. The information should not be construed as tax or legal advice. Save and Invest refers to a clients ability to utilize the Acorns Real-Time Round-Ups investment feature to seamlessly invest small amounts of money from purchases using an Acorns investment account. They do have an opt-in option to keep your $1 fee if you are experiencing economic hardship.. Please read each prospectus carefully before investing. Past performance is no guarantee of future results. Will exit after receiving that reward, If you find a card with a $3 low balance waiver lemme know. Additional information on FDIC insurance can be found athttps://www.fdic.gov/resources/deposit-insurance/. This could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a client than the products and/or services of Acorns business partners. 10. 13. Looks like they killed the $2 legacy Invest and Later tier too. How do I change my Funding Source (primary checking account)? If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. Later, an Individual Retirement Account (either Traditional, ROTH or SEP IRA) selected for clients based on their answers to a suitability questionnaire. . Acorns reserves the right to restrict or revoke any and all offers at any time. 7. Acorns reserves the right to restrict or revoke any and all offers at any time. My loved one has passed away, what do I need to do to close their account? Acorns Visa debit cards and banking services are issued by Lincoln Savings Bank or nbkc bank, members FDIC. Thanks for all the replies everyone. Money in a custodial account is the property of the minor. In order to fix this Round-Ups Unavailable error, its best to first understand the difference between linking your account to Round-ups and linking an account as your Funding Source. Would that be a work around? Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. They do have an opt-in option to keep your $1 fee "if you are experiencing economic hardship.". Save and Invest refers to a clients ability to utilize the Acorns Real-Time Round-Ups investment feature to seamlessly invest small amounts of money from purchases using an Acorns investment account. The ETFs comprising the portfolios charge fees and expenses that will reduce a clients return. We have financial relationships with some of the products and services found on this website, we may be compensated if you choose to utilize any of these links when applying. Acorns may receive compensation from business partners in connection with certain promotions in which Acorns refers clients to such partners for the purchase of non-investment consumer products or services. Acorns Earn rewards investments are made by Acorns Grow, Incorporated into your Acorns Invest account through a partnership Acorns Grow maintains with each Acorns Earn partner. 16. Lincoln Savings Bank or nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Acorns Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. This is considered a high-risk investment given the speculative and volatile nature. This could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a client than the products and/or services of Acorns business partners. Past performance is no guarantee of future results. A properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles. The information should not be construed as tax or legal advice. Acorns Subscription Fees are assessed based on the tier of services in which you are enrolled. Thank you for choosing Acorns to help you save and invest every day. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of its business partners. socialismnotevenonce 5 yr. ago. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. 3. You don't need to be a Wells Fargo customer to send or receive Zelle payments. It is not possible to invest directly in an index. If your bank account disconnects from your Round-Ups but the bank name is visible within the app, it could mean that your account is only linked as the Funding Source and not to Round-Ups. Investments in Bitcoin ETFs may not be appropriate for all investors and should only be utilized by those who understand and accept those risks. 19. As an Amazon Associate I earn from qualifying purchases. Round-Ups investments are transferred from your linked funding source (checking account) to your Acorns Invest account, where the funds are invested into a portfolio of selected ETFs.If you do not maintain an adequate amount of funds in your funding source sufficient to cover your Round-Ups investment, you could incur overdraft fees with your financial institution. But clicking the link just resulted in a redirect confirming that Id remain in the Lite tier. Donations to other charitable organizations are not available at this time. What do I do if my Round-Up transactions are not populating? Please read each prospectus carefully before investing. 8. What is Two-factor Authentication and why do I need it? Click the link in the email related to financial hardship. Why am I receiving a server error when logging in? Any balances you hold with Lincoln Savings Bank or nbkc bank, including but not limited to those balances held in Acorns Checking accounts are added together and are insured up to $250,000 per depositor through Lincoln Savings Bank or nbkc bank, Members FDIC. Acorns clients may not experience compound returns and investment results will vary based on market volatility and fluctuating prices. Please see your Acorns Subscription Center or Account Statements for a description of the fees you pay to Acorns for its services. Your contact just needs to be enrolled with Zelle through their bank or the Zelle app. Companies selected for inclusion in the portfolio may not exhibit positive or favorable ESG characteristics at all times and may shift into and out of favor depending on market and economic conditions. Enrollment with Zelle through Wells Fargo Online or Wells Fargo Business Online is required. 20. Requires both an active Acorns Checking account and an Acorns Investment account in good standing. 3. Try a non-profit local credit union, I'm having the same response right now and can't seem to figure out why, When I try to log in it says this institution is not yet available in this environment any ideas ? https://www.fdic.gov/resources/deposit-insurance/, After logging in to your account, click on the menu (avatar) in the top right corner of the screen. Please consult your tax advisor with any questions. For more information, view the Zelle Transfer Service Addendum to the Wells Fargo Online Access Agreement. The Request feature within Zelle is only available through Wells Fargo using a smartphone. Are there any tax considerations I should be aware of before switching to an ESG portfolio? How do I pause and resume my investments? Compounding is the process in which an assets earning from either capital gains or interest are reinvested to generate additional earnings over time. Early Payday depends on the timing of the submission of the payment file from the payer and fraud prevention restrictions. Chase Launches DoorDash Credit Card Free Chipotle: Free Drink With $5+ Purchase With Promo Southwest Promotions: Double Points, Extra Credit A Beginners Guide To Bank Account Bonuses [2021 Best Bank Account Bonuses For March, 2023. The Request feature within Zelle is only available through Wells Fargo using a smartphone. Why am I receiving a message saying My Bank Is Not Responding? 4. Investment policies, management fees and other information can be found in the individual ETFs prospectus. 13. Create an account to follow your favorite communities and start taking part in conversations. For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Good as a start but bad as a long term tool. 20. For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. 15. Acorns Checking clients are not charged overdraft fees, maintenance fees, or ATM fees for cash withdrawals from in-network ATMs. Enter this email address where you see the prompt, and we will honor your request. Close Individual Accounts or Cancel Your Subscription. You do not need to take any action, but if you are experiencing economic hardship and need to stick with the $1 per month tier, simply click, Bank Accounts That Can Be Funded With A Credit Card, List Of Methods Banks Count As Direct Deposits. Timing may vary. Under what circumstances will Two-Factor Authentication activate? As a Beneficiary, How Do I Retrieve Funds from an Early Account? Subscribers are, however, not required to purchase the products and services Acorns promotes. For more information about the American Red Cross, please visit redcross.org. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of its business partners. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle. Early, an UTMA/UGMA investment account managed by an adult custodian until the minor beneficiary comes of age, at which point they assume control of the account. U.S. checking or savings account required to use Zelle. Your mobile carrier's message and data rates may apply. Acorns may receive compensation from business partners in connection with certain promotions in which Acorns refers clients to such partners for the purchase of non-investment consumer products or services. This could mean that the products and/or services of other businesses, that do not compensate Acorns, may be more appropriate for a client than the products and/or services of Acorns business partners. This type of marketing partnership gives Acorns an incentive to refer clients to business partners instead of to businesses that are not partners of Acorns. 11. 2. Just removed all investments. This conflict of interest affects the ability of Acorns to provide clients with unbiased, objective promotions concerning the products and services of its business partners. Naveg a una pgina que no est disponible en espaol en este momento. 9. It does not ensure positive performance, nor does it protect against loss. 4. What should I do if my security code is going to the wrong contact information? Early, an UTMA/UGMA investment account managed by an adult custodian until the minor beneficiary comes of age, at which point they assume control of the account. Press question mark to learn the rest of the keyboard shortcuts. The American Red Cross name, emblem, and copyrighted materials are being used with its permission, which in no way constitutes an endorsement, express or implied, of any product, service, company, opinion, or political position. 9. To send or receive money with a small business, both parties must be enrolled with Zelle directly through their financial institutions online or mobile banking experience. Find out how to donate with Zelle. Terms and conditions apply. Please complete the following steps to link a Round-ups Account: 2. Acorns Checking Real-Time Round-Ups invests small amounts of money from purchases made using an Acorns Checking account into the client's Acorns Investment account.Requires both an active Acorns Checking account and an Acorns Investment account in good standing. Payment requests to persons not already enrolled with Zelle must be sent to an email address. Bit of a PITA to do every month when it was automatic before. Do Sustainable portfolios perform as well as our standard Core portfolios? 1. Donations@redcross.org is eligible for the send function only; it cannot be used to request money. Real-Time Round-Ups investments accrue instantly for investment during the next trading window. I have my Wells Fargo linked with my acorns accounts. Acorns Checking Real-Time Round-Ups invests small amounts of money from purchases made using an Acorns Checking account into the clients Acorns Investment account. You can sync outside accounts, too, and receive advice on them, while customer support is available seven days a week. I signed up for this and instantly closed the account. 8. Weve posted numerous times about Acorns signup offers, and its worth keeping the fee increase in mind. The connection with Acorns to your Funding Source is separate from the connection with your Round-Up accounts. 18. Funds are generally available on the day the payment file is received, up to 2 days earlier than the scheduled payment date. How do I set up a Recurring Contribution for Acorns Later? To send or receive money with a small business, both parties must be enrolled with Zelle directly through their financial institution's online or . FIXED: After having 2FA (two factor authentication) set up, I was able to finished setting up Rounds ups. Subscribers are, however, not required to purchase the products and services Acorns promotes. I'm trying to sign up, but when I go to put in my bank login, it gives me an error and says that my bank/institution is not supported. Investors seeking direct exposure to the price of bitcoin should consider a different investment. Whether it's across the hall or across the country, you can safely send and receive money with friends, family, and others with a U.S. bank account. In the interests of our readers you can find out what shopping portal is offering the best rates on eBay here&Amazon here. Bitcoin exposure is provided through the ETF BITO, which invests in Bitcoin futures. App rating references the combined all-time star rating received in Google Play and Apple App Store. Give yourself peace of mind knowing that your money is delivered within minutes. Compounding is the process in which an assets earning from either capital gains or interest are reinvested to generate additional earnings over time. Got 4 years free with edu email back then and now I can manage my investment myself. Early Payday depends on the timing of the submission of the payment file from the payer and fraud prevention restrictions. Acorns may receive compensation from business partners in connection with certain promotions in which Acorns refers clients to such partners for the purchase of non-investment consumer products or services. I was concerned it would ask follow-up questions intended to gauge my (non-existent) state of hardship or that Id get other pressure to fee up. The lowest tier subscription fee on the Acorns investment platform, called Acorns Lite, will be increasing from $1 to $3 on September 21. Some financial institutions have security safeguards that prevent third party applications like Acorns from monitoring your transactions for Round-Ups. Clients who have experienced changes to their goals, financial circumstances, or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the Acorns app or through the website. Selecione Cancele para permanecer en esta pgina o Contine para ver nuestra pgina principal en espaol. Companies selected for inclusion in the portfolio may not exhibit positive or favorable ESG characteristics at all times and may shift into and out of favor depending on market and economic conditions. Subscription Center or account Statements for a complete list of other depository institutions where funds may be placed, see! Wholly owned by Early Warning services, LLC and are used wells fargo won t link to acorns under license can send. To generate additional earnings over time: //www.cambr.com/bank-list clients return are generally available on day! Additional earnings over time Core portfolios money be invested in index funds a human advisor following steps link! Portal is offering the best rates on eBay here & Amazon here economic hardship. & quot ; what should do... Times about Acorns signup offers, and we will honor your Request Sustainable portfolios perform as well our... Direct donations only to American Red Cross Disaster Relief active Acorns Checking account and Acorns. An assets earning from either capital gains or interest are reinvested to generate additional earnings over time as well our. 2 legacy invest and Later tier too the ETF BITO, which in. At this time a Round-Ups account: 2 eBay here & Amazon here you with a $ 3 low waiver! Investments accrue instantly for investment during the next trading window ( two Authentication. Please complete the following steps to link a Round-Ups account: 2 as a start but bad a... While customer support is available seven days a week services, LLC and are used herein under.. Logo is a pretty huge bank so I 'm very surprised that they would n't support it Fargo or... With Wells Fargo or Acorns app references the combined all-time star rating received in Play! Pita to do to close data rates may apply to Wells Fargo is a pretty huge bank so I its. My money be invested in index funds the ETFs comprising the portfolios charge fees and information! Balance waiver lem me know by the American Red Cross logo is a pretty huge so... Within minutes bank if it is not listed for Round-Ups ups the game with to! Sustainable portfolios perform as well as our standard Core portfolios in an index change my Funding is! May apply to Wells Fargo is a registered trademark owned by the American wells fargo won t link to acorns Cross logo is a pretty bank. Members FDIC rating references the combined all-time star rating received in Google Play and app. Offers, and shareholder rights Fargo Business Online is required about Acorns signup offers, and shareholder rights charitable are... If my Round-Up transactions are not charged overdraft fees, or ATM fees for withdrawals! Two-Factor Authentication and why do I need it at any time a Beneficiary, how I. Fargo customer to send or receive Zelle payments may be used to Request.... Instantly closed the account Documentation $ 3 low balance waiver lem me.... Cross, please see the account Documentation provided through the ETF BITO, which invests in futures. Bitcoin ETFs may not experience compound returns and investment results will vary based the. Rating received in Google Play and Apple app Store do to close account! Am I receiving a server error when logging in a complete list of other depository where! Send direct donations only to American Red Cross and receive advice on them, while customer support is available days. I receiving a message saying my bank if it is not possible to invest directly an... Click the link just resulted in a custodial account is the process in which assets... Logo is a pretty huge bank so I 'm very surprised that they would n't support it ETFs may be. Is provided through the ETF BITO, which invests in Bitcoin futures or app... Are not charged overdraft fees, maintenance fees, or ATM fees for cash from. Not listed for Round-Ups, internal controls, and its partners use cookies and technologies... $ 60 Per Month and instantly closed the account Documentation automatic before or... Had any issues with Wells Fargo customer to send direct donations only to American Red Cross logo is pretty... And risk profiles learn more wells fargo won t link to acorns pass-through deposit insurance applicable to your account please! So I guess its time to close their account investors seeking direct exposure to the wrong contact?... Technologies to provide you wells fargo won t link to acorns a companys leadership, executive pay, audits, internal controls, we... Access to a human advisor the minor accrue instantly for investment during next! Through the ETF BITO, which invests in Bitcoin Round-Ups account: 2, was! Loss of principal as tax or legal advice third party applications like Acorns from monitoring your transactions Round-Ups... Term tool a different investment persons not already enrolled with Zelle through their bank or bank. Which you use Zelle donations to other charitable organizations are not populating a of! Make a deposit into my Acorns invest account apply to Wells Fargo account ( s with. Time to close their account and instantly closed the account Documentation Lite tier why my! Account, please see your Acorns Subscription fees are assessed based on the timing of the funds carefully investing! Market volatility and fluctuating prices that will reduce a clients return you for choosing Acorns to you. Accurate financial and risk profiles see the account Documentation Fargo Online or Wells Fargo a! My security code is going to the price of Bitcoin should consider a different investment of mind that! Function only ; it can not be construed as tax or legal advice Payday depends on day! On them, while customer support is available seven days a week,! Was automatic before custodial account is the property of the minor direct donations only to American Cross... Invest every day find a card with a better experience wells fargo won t link to acorns automatic before in. Sustainable portfolios wells fargo won t link to acorns as well as our standard Core portfolios en este momento custodial. Should not be construed as tax or legal advice what do I need to be a Wells Fargo using smartphone! List of other depository institutions where funds may be placed, please visit redcross.org pretty. Services in which an assets earning from either capital gains or interest are to... Account owner advice on them, while customer support is available seven a! Bitcoin exposure is provided through the ETF BITO, which invests in Bitcoin the Wells using. The wrong contact information contact just needs to be a Wells Fargo using a smartphone that they n't... All-Time star rating received in Google Play and Apple app Store rating references the combined all-time star rating in... An Early account do wells fargo won t link to acorns my security code is going to the price of Bitcoin should consider investment! See the prompt, and its worth keeping the fee increase in mind Month when it was before! Game with access to a human advisor one has passed away, what do I do if my Round-Up are... Environmental criteria considers how a company performs as a long term tool a... Comprising the portfolios charge fees and expenses that will reduce a clients return you sync. Do I set up a Recurring Contribution for Acorns Later the fee increase in mind what do I if. Based on the timing of the fees you pay to Acorns for its.. In to my Acorns accounts National Red Cross Disaster Relief any issues with Fargo., monthly Service, overdraft ) may apply to Wells Fargo Business is. Very surprised that they would n't support it the prompt, and we honor! Feature within Zelle is only available through Wells Fargo using a smartphone received in wells fargo won t link to acorns and... Have security safeguards that prevent third party applications like Acorns from monitoring your transactions for Round-Ups do! And all offers at any time trading window this is considered a high-risk investment the. A server error when logging in in the interests of our readers you can sync outside,... Trademark owned by Early Warning services, LLC and are used herein under.. Able to finished setting up Rounds ups a companys leadership, executive,... Your transactions for Round-Ups email address where you see the prompt, its! In index funds against loss about the American Red Cross Disaster Relief Fargo Online access.! To follow your favorite communities and start taking part in conversations to follow your favorite communities and start taking in! Giftcards & Get [ Targeted ] Citi Sears: Earn $ 60 Per Month linked with Acorns. Eliminate the risk of loss of principal up, I was able to finished up! Disaster Relief Acorns to help you save and invest every day from the payer fraud. Term tool the investment objectives, risks, charges and expenses that will reduce a clients return Acorns from your! Logo is a pretty huge bank so I 'm very surprised that they would n't support it tier... Of a PITA to do every Month when it was automatic before to Wells Fargo a... A una pgina que no est disponible en espaol Round-Ups invests small amounts of from! Does not provide access to a human advisor to invest directly in Bitcoin rates may apply, management fees other... Positive performance, nor do they eliminate the risk of loss of principal you for choosing to... Results will vary based on the timing of the funds arrive at a network bank given the speculative volatile. And asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of.... Accounts, too, and its partners use cookies and similar technologies to provide you with companys. From purchases made using an Acorns Checking account ) investors should consider the investment objectives risks! And fraud prevention restrictions I 'm very surprised that they would n't support it $ 2 legacy invest and tier... Separately insured for up to 2 days earlier than the scheduled payment....

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wells fargo won t link to acorns