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The Aspiration Spend & Save Account are cash management accounts offered through Aspiration Financial, LLC, a registered broker-dealer and Member FINRA/SIPC providing brokerage services and products. An Aspiration Save Account may be opened by itself without opening an Aspiration Spend Account. An affiliate company, Aspiration Fund Adviser, LLC, an SEC registered investment adviser, provides investment advisory services. Aspiration Fund Adviser, LLC and Aspiration Financial, LLC are subsidiaries of Aspiration Partners, Inc. ("Aspiration"). Aspiration pledges to donate 10% of our profits to charities. Aspiration is not a bank.
Aspiration's Fees & Services Charges. Through the Aspiration Insured Bank Deposit Program, cash balances in the Aspiration Spend and Save Accounts are deposited at one or more FDIC-insured depository institutions (each a "Bank") up to $246,500 per Bank. With ten Banks available, Deposits are FDIC-insured up to $2.46 million per depositor. Visit fdic.gov. You are responsible for monitoring your deposits at each Bank to determine the available FDIC insurance coverage. Aspiration's Program Banks. The Aspiration Save Account's up to 1.00% Annual Percentage Yield ("APY") with up to 15x the national interest rate is variable, subject to change, and is only available to customers enrolled in Aspiration Plus after conditions are met. Terms & FAQ. 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 more Cash Back details, click here & here. Aspiration's Allpoint ATM locator. Plant Your Change Terms. Planet Protection Information. Aspiration Impact Measurement ("AIM") Scores. Aspiration Debit Cards are issued by Coastal Community Bank, Member FDIC, pursuant to a license by Mastercard International Incorporated.
The "save as much as $300 or more" claim is based on Aspiration's Pay What Is Fair model with all extra services provided at cost compared against the national average for monthly maintenance fees assessed at traditional financial institutions, $9.60 per month, added to the average cost of using ATMs, $3.00 average ATM operator fee, $2.50 average non-network ATM fee, and $5.00 plus percentage for international ATMs, combined with miscellaneous other services like sending and receiving wires, $15.00 - $45.00, issuing checks, up to $26 per book, and processing ACH transactions, from $0.20 - $1.50 per ACH. These fees add up for traditional bank customers, but with Aspiration, we empower customers to choose their own fee while providing extra services at cost, cash back opportunities, access to interest, and fee-free access to over 55,000+ Allpoint ATMs.
This communication should not be construed as an offer, solicitation of an offer, or advice to buy or sell securities. Securities are not FDIC-insured, but are SIPC-protected. Investing involves risk, including the loss of value, and there is no guarantee that any investment will achieve its objectives, generate profits, or avoid losses. Before investing, consider your personal situation. Aspiration does not offer or provide investment, financial, tax, or legal advice.
This site is designed for U.S. persons only. This is not an offer or solicitation in any jurisdiction where Aspiration is not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction. System availability and account access times may vary due to a range of factors, including, market conditions, trading volumes, system performance, and other factors.
"Big Banks" refers to the largest consumer depository banks in the country.
"Pay What is Fair," "Aspiration," "Aspiration Do Well. Do Good.," "Dimes Worth of Difference," "Brining Elite Investments of Everyday Investors," "Put Your Money Where Your Heart Is," "Edge Funds," "Elite Investments," "Aspiration Partners," "Green - Not Greed.," "Change Your Bank. Change Your World.," "Change Your Investments, Change Your World.," "High Road Companies and Low Road Companies," "Conscience Built In," "Financial Firm with a Conscience," "A financial firm you can fall in love with," "Move your money. Change your world.," "Your Money Can Change Your World," "Make your money matter," "Change your world," "Pay Whatever Is Fair," "Fees Are Up To You," "Pay What Is Right," "Pay Only What You Think Is Fair," "Choose A Fee That Is Fair," "Your Fees Your Way," "Pick Your Tip," are trademarks of Aspiration Partners, Inc., and are Registered in U.S. Patent and Trademark Office.
"Everyday Investors," "High Road Businesses and Low Road Businesses," "Sustainability Footprint," "Sustainability Scorecard," "Do Well. Do Good.," "Make Money and Make a Difference," "Aspiration Checking," "Make Change," "Aspiration Impact Measurement," "AIM," "AIM Score," "Move your money," "Just Rewards Card," "Pay What You Want," "Pay The Fee You Want," "Choose Your Fee," "Pick What You Pay," "Tip What You Want," are trademarks of Aspiration Partners, Inc.
Aspiration defines "elite," "wealthy," "rich," and "millionaire" as accredited and qualified investors and those who have been able to meet the historic minimums of private funds, including hedge funds and private equity funds. An investor's experience, objectives, and risk tolerance may differ from that of an "elite," "wealthy," "rich," or "millionaire" investor, all of which should be considered when investing in alternatives. Aspiration defines "High Road Businesses" or "High Road Companies" as those that have adopted significant and relevant environmental, social, and governance policies. "Low Road Businesses" and "Low Road Companies" are those that are less likely to have done so.
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