Overview / Commentary
4640 Admiralty Way
Marina Del Rey, CA 90292

The Aspiration Spend Account and the Aspiration Save Account are part of a cash management account offering of Aspiration Financial, LLC. This account that has no monthly fees and offers free worldwide ATM access. In fact, the interest rate on this Save account rivals the top savings accounts on the market. Upon the account's release, it was quickly labeled by many reputable news publications as the best checking account in the country. It’s hard to argue with this when considering its appealing combination of low fees and high interest. This account is FDIC insured through several program banks.

It’s worth noting that while this summary is dealing mostly with the deposit accounts available at Aspiration. Aspiration also offers a couple investment accounts that are aimed at middle-class consumers and seek to provide investment opportunities and advantages that traditionally are only available to wealthier consumers. Assets in these investment accounts are held by UMB Bank.

Aspiration’s consumer products are impressive, but equally impressive is the company’s commitment to giving back to the community. Through their “Dimes Worth of Difference” program, they donate 10% of their earnings to various charities that seek to advance economic opportunities for the less fortunate.

Aspiration is headquartered in Marina Del Rey, CA. Any US citizen or lawful resident over 18 can open an account.

Reviews (194)

Great Environmentally-Focused Bank!

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I changed to Aspiration because I wanted to support a sustainable bank that does social and environmental good. Aspiration is fairly new compared to other banks offered, so there are some things that need improvement but I know with time Aspiration will be just as quick and flexible as the other banks. I really wish that Aspiration connects with Zelle soon, because instant real-time transfers to friends is very useful. Or even just quicker transfers between trusted bank accounts linked to our Aspiration account would be a useful upgrade. Overall, I love Aspiration and their stocks (Redwood Fund) have been profitable!

No Longer Attractive

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I used to love Aspiration, but their policies changed in August 2019. August 2019 Aspiration now offers NO interest on savings unless $1000 is deposited EVERY month then 2%. Only 1.5% if balance over $10,000. Still has unique charity program.

What Is Wrong With This Company!?

Aspiration is horrible! I finally got my unemployment after waiting for months and since I despise Bank of America I sent money ($5000 to be exact) to my Aspiration account. As soon as I do they flag my account and send me an email asking for all the required documents to verify it’s me. So I sent all of them promptly while a little pissed because I have 4 months of back rent to pay and they already run me wrong when I first signed up for an account and took well over a few months just to verify me! Then I’m told that my Chase account document was accepted but my “9754” is blurry(it’s a screenshot, not really possible to have a blurry screenshot. Plus the “9754” account is the Chase account statement they said was accepted ??) so I sent it again. Then a few days later after I complain to the BBB about this whole thing they happen to tell me they are closing my account and will send a check to my address. This is the most ridiculous and shady bank I have ever seen. Like honestly, what the heck are they thinking!?

Great Customer Service, Great App, Easy To Use

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Aspiration has been such a great bank for me. The customer service is so accessible, the communication has been really clear, and the app is so easy to use. It’s also nice finally making money on what is essentially a checking account, all while supporting a bank that’s pledged not to put money into big oil companies. I would highly recommend this bank to anyone looking for a better banking experience.



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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Aspiration Savings Account Rates

1.00%*-$10kSave Account
OTHER TIERS: 0.10% $10k+
0.25%*-$10kSave Accounts (non-qualifying)
OTHER TIERS: 0.10% $10k+

Aspiration Checking Account Rates

0.00%--Spend and Save Account

Aspiration is an Internet only bank and does not have branch locations. Its headquarters is located at 4640 Admiralty Way - Marina Del Rey, CA 90292

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