Overview Impact

Aspiration Spend & Save Account

Save $545 a year1 — and save the planet at the same time

The best of checking and savings accounts -- with fairness, trust, and conscience built in.

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The Aspiration Spend & Save Account is a cash management account offered by Aspiration Financial, LLC, a broker dealer, not a chartered bank. Deposits in your Aspiration account are FDIC Insured* up to $2 million per depositor by being swept to FDIC Member institutions.

Built on Fairness

Most banks charge an average of $329 per year in account fees2. With the Aspiration Spend & Save account we put our Customers First.

  • 5 free ATM withdrawals each month.

    We'll reimburse your fee up to 5 times monthly.

  • Cash back rewards.

    Earn cash back rewards on every dollar you spend with your Aspiration debit card – and extra rewards for spending at businesses with a conscience.

  • Up to 1.00% APY interest on your Aspiration Save deposits.

    Get up to 100 times more than what the Big Banks offer.3

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Built on Trust

The only fee you pay is what you think is fair – even if it is zero.4

We're confident you'll love what we do. And we trust you!

No fees.

Zero overdraft fees. Zero Check Deposit Fees. Zero Debit Card Fees. Zero Inactive Account Fees. Zero Dormant Account Fees. Others say it – and then follow up in the fine print. We're built on trust so we mean it. For more on fees, click here.

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Built on Conscience

Spend with a conscience.

Aspiration Impact Measurement (AIM) scores let you track your personal impact as you shop, and show you businesses doing good for People and the Planet.
Learn more about AIM

Save with a conscience.

Your Aspiration deposits don’t go towards Capitol Hill lobbying or oil pipelines and drilling that harms our planet. Instead, we commit to giving 10% of our earnings to charities helping struggling Americans build a better life.

Features at a glance

  • Unlimited Cash Back Rewards.

    Plus extra rewards for spending at businesses with a conscience.

  • Get help if your identity is stolen.

    You have $1,000 in expense reimbursement.6

  • 5 free ATM withdrawals each month.

    We'll reimburse your fee up to 5 times monthly.

  • Pay your bills.

    Schedule bill payments in the app.

  • Actually make money on your deposits.

    Get up to 1.00% APY interest on Save funds.

  • Deposit checks in the app.

    Snap a photo to deposit your check.

  • Your money is good here.5

    Your deposits don’t fund big oil and pipelines.

  • Pay any way you want.

    Apple Pay and Android Pay are built in.

  • Get phone protection for free.

    Pay your monthly bill with your debit card to get $600 in insurance6

Deposits are FDIC insured* up to $2 million per depositor
Cash balances in the Aspiration Spend & Save cash management account are eligible for FDIC insurance* by being swept to FDIC Member institutions. For details, visit https://www.fdic.gov. Aspiration is not a chartered bank.