Spend and Save Fees Schedule

Aspiration Plus *6
$7.99 per month or $71.88 per year

ATM Fees
ATM withdrawals outside of the Allpoint network are subject to fees.*7 One out-of-network withdrawal will be reimbursed by Aspiration for customers enrolled in Aspiration Plus *6. International ATM withdrawals are subject to foreign transaction fees, which are not reimbursed.

Abandoned Property
$0.00 (per account)

Daily Overdraft Charge *1

Deposited Item Reversal (RDI Fee) *2

Dormant Service Charge

Expedited Debit Card (3-5 business day shipping)

Expedited Debit Card (1-2 business day shipping)

Paid Non-Sufficient Funds (NSF) Charge (ACH *5, Check *5, Debit *4)
$0.00 (per item)

$0.00 (hourly)

Returned Item Charge *3 (Check *5, Debit *4)

Stop Payment

N/A (Writ of garnishments are a $20.00 fee to the party submitting the subpoena or summons.)

N/A (Writ of garnishments are a $20.00 fee to the party submitting the subpoena or summons.)

Domestic Wire In

Domestic Wire Out

International Wire In

International Wire Out

Foreign Transaction fee

These charges apply to Aspiration Spend & Save accounts.

We are unable to accept foreign items for deposit.

For any fee not listed above or if you are unsure about Aspiration’s fees, please visit our Pay What is Fair and Policies pages.


*1 There are no Daily Overdraft Charges and the account should not be able to reach a negative balance
*2 Deposited Item Reversal
*3 In the event of a rare overdraft occurrence, individual overdrafted items will not be charged a fee
*4 Transactions posted against insufficient or held funds
*5 A Return Item Charge will not be assessed for ACH or Check items returned unpaid
*6 Learn more about Aspiration Plus here
*7 ATM use is free and unlimited, at Allpoint ATMs only. Transaction amount caps may apply. ATMs not included in the Allpoint network are considered out of network and customers may be charged a fee from that third-party ATM provider. Allpoint ATMs can be found via our ATM Locator here. Customers enrolled in Aspiration Plus may receive one out-of-network ATM fee reimbursement per month. Please note, there is also a foreign transaction fee of one percent that is not waived when using foreign ATMs, which will be included in the amount charged to your account.