Aspiration Spend & Save Account
in Checking Accounts from Aspiration Partners Inc. · Member fdic
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Aspiration Spend & Save Account
in Checking Accounts from Aspiration Partners Inc. · Member FDIC
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Would you recommend Aspiration Spend & Save Account to your friends?
| Community Rating | Mostly not recommended |
| Monthly Fee | $0 - $3.99 |
| ATM Fee: Out-of-Network | $0 |
| Minimum Balance to Avoid Monthly Fee | $0 |
| APY (Annual Percentage Yield) | 0.1% - 1% |
| Number of Reviews | 116 |
Aspiration Spend & Save Account Review
Aspiration Spend & Save Account is offered by Aspiration Partners Inc., founded in 2013 and based in Marina Del Rey, CA. Aspiration Spend & Save Account is available in 50 states (and Washington, DC).
Key Takeaways
- Higher than average APY. Aspiration Spend & Save Account has an annual percentage yield of up to 1%, which is higher than the average.
- Charges a monthly fee. This account charges a monthly service fee of up to $3.99, but there are ways to waive the fee.
- Small minimum initial deposit. You only need $10 to open an account.
- No ATM fees. Aspiration Spend & Save Account does not charge fees on ATM transactions.
- ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions.
- Hard credit pull. Aspiration Partners Inc. may require a hard pull on your credit report to open a checking account.
Aspiration Spend & Save Account Pros & Cons
| Pros | Cons |
|---|---|
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Aspiration Spend & Save Account FAQ
Are checking accounts from Aspiration Partners Inc. federally insured?
Yes, your Aspiration Partners Inc. checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Aspiration Spend & Save Account offer?
Aspiration Spend & Save Account offers an APY starting at 0.1% and ranging up to 1% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
|---|---|
| APY (Annual Percentage Yield) | 0.1% - 1% |
What are the account minimums for Aspiration Spend & Save Account?
Aspiration Spend & Save Account requires a minimum initial deposit of $10 to open an account.
| Description | Amount |
|---|---|
| Minimum Opening Deposit | $10 |
What fees does Aspiration Spend & Save Account charge?
This account charges a monthly service fee of up to $3.99.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| Check Copy | $0 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
| Foreign Transaction Fee (Debit Card) | 1% |
| Monthly Fee | $0 - $3.99 |
| NSF Fee | $0 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $0 |
| Overdraft Protection Fee (per transfer) | $0 |
| Paper Statement Fee | $0 |
| Returned Deposit Fee (Domestic) | $0 |
| Returned Deposit Fee (International) | $0 |
| Stop Payment Fee | $0 |
| Wire Transfer Fee - Domestic (Incoming) | $0.82 |
| Wire Transfer Fee - Domestic (Outgoing) | $0.82 |
| Wire Transfer Fee - International (Incoming) | $2.50 |
| Wire Transfer Fee - International (Outgoing) | $15 |
| ATM Fee: Out-of-Network | $0 |
Does Aspiration Spend & Save Account charge overdraft fees?
No, Aspiration Spend & Save Account does not charge overdraft fees.What features and perks does Aspiration Spend & Save Account offer?
This account includes the following features:
- ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
- Fraud monitoring - Aspiration Spend & Save Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Mobile Banking Services - Aspiration Spend & Save Account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Aspiration Spend & Save Account?
The customer support email for Aspiration Spend & Save Account is support@aspiration.com.
How do people rate the customer service and user experience of Aspiration Spend & Save Account?
Overall, Aspiration Spend & Save Account is mostly not recommended based on community reviews that rate customer service and user experience.
Aspiration Spend & Save Account Disclosure:
The Annual Percentage Yield (“APY”) associated with the Aspiration Spend & Save Account is available only to customers enrolled in Aspiration Plus. APY is variable and accurate as of 4/29/2020. Rates may be changed from time to time without notice. To earn 1.00% APY interest on Aspiration Save Account balances up to and including $10,000.00 in any calendar month, customer must be enrolled in Aspiration Plus and spend $1,000 or more, monthly, with their Aspiration debit card. Balances over $10,000.00 will earn 0.10% APY. If the requirements are not met each month, the APY will be 0.25% on Save Account balances up to and including $10,000.00. Balances over $10,000.00 will earn 0.10% APY. Minimum deposit required to open an Aspiration Save Account is $10.00. Enrollment fee and Pay What Is Fair fees debited directly from the Aspiration Save Account could reduce earnings. Customers not enrolled in Aspiration Plus will not earn interest.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message From Aspiration Partners Inc.
Contact
- Headquarters
-
4640 Admiralty Way, Suite 725
Marina Del Rey, CA 90292 - Visit Site
- Email Support
Promotional Offers
Enjoy a $100 signup bonus!
Open your account today and earn $100 when you spend $1000 in the first 60 days of account opening.
Other Services by Aspiration Partners Inc.
Availability
Available in 50 states and Washington, D.C.
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| APY Minimum Balance | $0 |
| Minimum Combined Balance to Avoid Monthly Fee | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | $0 |
| Minimum Opening Deposit | Starting at $10 |
| Minimum Balance to Avoid Monthly Fee | $0 |
Aspiration Spend & Save Account Community Reviews
Would you recommend Aspiration Spend & Save Account to your friends?
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