Overview

Aspiration’s Spend & Save account is technically one account with separate checking and savings balances. There are no minimum balance requirements or monthly fees. The opening minimum is $10.

Aspiration customers can use more than 55,000 Allpoint ATMs with no fees. Aspiration Plus customers get one out-of-network ATM fee reimbursed per month.

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Pros:

• Earn up to 10% cash back on purchases with the cash management account
• Get unlimited fee-free withdrawals at Allpoint ATMs.
• Choose your own monthly fee.

Cons:

• No brick-and-mortar branches for in-person banking.
• No checks are available with the cash management account.
• Paid upgrade required to earn best APY.

Best For

Compared to traditional brick-and-mortar banks, Aspiration doesn't offer many choices in account types. But its offerings do come with several incentives you may appreciate if you're considering online banking.

Bottom Line

Aspiration may be a good choice for customers who want the convenience of banking online, without the need to visit a branch.

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