1 The Aspiration Spend & Save Account are cash management accounts offered through Aspiration Financial, LLC, a registered broker-dealer and Member FINRA/SIPC. An affiliate, Aspiration Fund Adviser, LLC, is an SEC registered investment adviser. An affiliate, Aspiration Card Services, LLC offers credit services. An affiliate, Aspiration Insurance Agency, LLC offers insurance products. An affiliate, Make Earth Green Again, LLC, offers a standalone Plant Your Change service. An affiliate, Aspiration Sustainability Impact Services, LLC offers business to business services. Aspiration Financial, LLC, Aspiration Fund Adviser, LLC, Make Earth Green Again, LLC, Aspiration Card Services, LLC, Aspiration Insurance Agency, LLC and Aspiration Sustainability Impact Services, LLC are wholly-owned subsidiaries of Aspiration Partners, Inc. (collectively “Aspiration”). Aspiration is under separate ownership from any other named entity. Aspiration pledges to donate to charities 10% of the fees customers choose to pay us. Indemnity Agreement. Aspiration Partners, Inc and its subsidiaries, including Aspiration Card Services, LLC (collectively, "Aspiration") values offering socially conscious and sustainable financial products. As such, we don't use any portion of our customer's money (fees, deposits, etc.) to fund certain activities that are misaligned with our social mission. Aspiration is not a bank. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google Inc. All other product names, logos, brands, trademarks, and registered trademarks are property of their respective owners. All company, product, and service names used in this website are for identification purposes only. Use of these names, trademarks, and brands does not imply endorsement.
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Aspiration Financial, LLC Form CRS Brokerage Relationship Summary. Aspiration Fund Advisor, LLC Form CRS Advisor Relationship Summary.
2 Aspiration’s Pay What Is Fair & Services Charges. Aspiration Debit Cards are issued by Coastal Community Bank, Member FDIC, pursuant to a license by Mastercard International Incorporated. 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 $250,000 per Bank. With nine Banks available, Deposits are FDIC-insured up to $2.25 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. Aspiration’s Allpoint ATM Locator. The Aspiration Save Account’s up to 5.00% Annual Percentage Yield (“APY”) with up to 29x the national interest rate is variable, subject to change, and only available to customers enrolled in Aspiration Plus after conditions are met. Customers not enrolled in Aspiration Plus receive 3.00% APY 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 additional Cash Back details, click cashback on purchases & Conscience Coalition. Aspiration’s early funds service is not guaranteed and is subject to applicable terms. "Big Banks" refers to the largest consumer depository banks in the country, and their climate destroying banking practices are based on the RAN.org’s Banking on Climate Change 2020 Report Card. The Plant Your Change feature is an optional service that rounds-up eligible transactions made on a daily basis (from $0.01 to $0.99), sweeps the round-up as a Service Fee to a Plant Your Change Service account, and plants one tree for every eligible swipe through a pre-selected tree-planting partner. Plant Your Change Terms. Planet Protection Information. Aspiration Impact Measurement (“AIM”) Scores. Redwood Information. Aspiration does not offer or provide investment, financial, tax, or legal advice. 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. This site is meant for U.S. persons only.
3 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.
4 The Aspiration Zero Mastercard® is issued by Beneficial State Bank pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Beneficial State Bank, Member FDIC © 2021. Aspiration Zero customers can earn unlimited .5% cash back on all qualifying purchases made with the Aspiration Zero Credit Card. Aspiration Zero customers can earn 1.0% unlimited cash back on all qualifying purchases made with the Aspiration Zero Card after making 60 qualifying purchases in a month or by rounding up change on 30 qualifying purchases through the Aspiration Plant Your Change program. Zero footprints and carbon neutrality are based on the estimated carbon capture of grown trees and estimated average carbon footprint of a US resident: 1) estimated average carbon footprint of 14.95 metric tons per person per year (Weforum) and 2) an estimated average annual CO2 capture of 48 lbs/tree by a grown tree (EEA).
5 Aspiration automatically plants one tree every time you swipe your card. When approved for a Zero card, Plant Your Change will automatically be enabled, meaning that each purchase you make will be rounded up to plant a second tree. You may opt–out of The Plant Your Change program and continue to receive rewards under the "A Swipe for a Tree" and "Cash Back Rewards" programs. For details, refer to the Aspiration Rewards Program Participation Agreement at www.aspiration.com/policies.
Funded trees can take up to 18 months to plant, allowing for time to set up nurseries, select/expand planting sites, take advantage of optimal planting seasons and accommodate for local/regional/country social, political and health considerations.
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