Aspiration - Mobile Banking

Mission Financial Partners, LLC

About this app

Invest in the Planet: Earn up to 3.00% APY while fighting climate change! (5)


SPEND & SAVE ACCOUNT
• Sign up to start spending, saving, and investing with a conscience
• Fund the planting of a tree with every purchase you make (1)
• Feel good knowing your deposits will not fund fossil fuel exploration or production (6)
• Unlimited withdrawals at over 55,000+ Allpoint ATMs
• Earn up to 3.00% APY. Terms & Conditions apply (5)
• Get paid up to 2 days early (4)


DISCLAIMERS
The Aspiration Spend & Save accounts are checking and savings accounts offered through Coastal Community Bank, Member FDIC. Approved deposit accounts are FDIC insured up to $250,000 per depositor. For balances greater than $250,000, Coastal will Sweep the excess funds to one or more FDIC-insured depository institutions in their Sweep network (each a “Bank”) up to $250,000 per Bank. With five Banks available through the Coastal Community Bank Insured Bank Deposit Program (aspiration.com/2024-deposit-account-agreement#page=45), Deposits are FDIC-insured up to $1.25 million per depositor. This amount is subject to change at any time. Visit fdic.gov.
Aspiration Debit Cards are issued by Coastal Community Bank, Member FDIC, pursuant to a license by Mastercard® International Incorporated. Aspiration is under separate ownership from any other named entity. Aspiration is not a bank.

An affiliate, Aspiration Fund Adviser, LLC is an SEC registered investment adviser.


1.When opting into Aspiration's Plant Your Change Service, we round up Aspiration Debit Card transactions to the next whole dollar amount and transfer the excess to your Plant Your Change Service Account. For details, visit our Plant Your Change FAQ (www.aspiration.com/plant-your-change-FAQ).

2. Mission Financial Partners, LLC and its affiliates are committed to "All Extra Services Provided at Cost," meaning that we'll only charge you what it costs us to provide the extra service (such as a wire transfer), and not a penny more. Besides these at-cost service charges, customers may make an optional contribution via the Pay What Is Fair (PWIF) program. Proceeds from the PWIF program are recorded monthly in aggregate and donations are made to nonprofit partners selected by Aspiration within 12 months.

3. Aspiration’s Cash Back program is subject to change at any time and without notice, including reversal of rewards for abuse, fraud, and other illicit activity. Cash Back rewards are generally credited on the first day of each calendar month. For additional Cash Back details, visit aspiration.com/cash-back-faq.

4. Aspiration’s early direct deposit of funds service is not guaranteed, is subject to payor’s support and the timing of payor’s payment instruction, and is based on a comparison of our policy (www.aspiration.com/funds-availability-policy) of making funds available upon our receipt of payment instruction with the typical banking practice of posting funds at settlement. Aspiration generally makes these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

5. The Aspiration Save Account’s up to 3.00% Annual Percentage Yield (APY) is variable and accurate as of September 2024. Rates are subject to change. To earn 1.00% APY (3.00% APY if customer is enrolled in Aspiration Plus) interest on Aspiration Save Account balances up to and including $10,000.00 in any calendar month, customer must have settled debit card transactions of $500.00 or more, monthly, on their Aspiration debit card. Additional terms apply. Visit our Terms (www.aspiration.com/spendandsavedisclosure) & APY FAQ (www.aspiration.com/APY-FAQ) for details.

6. Aspiration’s Program Banks have formally committed that customer deposits will not be used for lending to oil and gas exploration, production or transportation, or coal mining.

Visit aspiration.com/policies for additional terms and conditions of services.

© Copyright 2024 Mission Financial Partners, LLC

Ratings and reviews

Recent changes to this app have made it really unfriendly to use! There are 2 pop-ups every single time I open the app that there is no options to not have (asking for biometrics and notifications - if I don't want them, I shouldn't have to be asked every time!). Now, in whatever update has occurred in the last few days, I have to verify my device every single time (even though I am using the same device) and it doesn't make a difference if you select "don't ask me again," it still asks!

I have been using Aspiration as a second account next to Santander. Here are my experiences and pros and cons about them. Pros. easy to set up. Nice to pay what you want feature. Small interest on balance. Helpful when dealing with and issue. Cons. The check deposit feature is a nightmare. Everytime I try to deposit it doesn't take the pic of the check after numerous attempts and eventually have to to take it manually. Checks under $200 should automatically be available for speading not 2 days.

I've had an account with them for a few months and it has mostly been fine. But lately (I think since the Nov 8 update) it's been telling me my email or password is wrong when I try to log in from the app. I am still able to log in from a browser, thankfully. But that's how I know the email and PW are not wrong. It must be the app. Edit: I uninstalled and reinstalled the app and it seems to be working again now. Hopefully it stays that way.

What's new

What's new: Earn up to 6% cash back on climate-friendly brands in the new Green Marketplace! Also, new Quick Actions on the Home tab make it easy to access the features you use the most.

What we always do: squash bugs, improve performance, and transform everyday citizens into climate-change fighting superheroes.