†Aspiration is a financial technology company, not an FDIC-insured bank. Banking Services provided by Coastal Community Bank, Member FDIC. The Aspiration Debit Mastercard® is issued by Coastal Community Bank, Member FDIC, pursuant to a license by Mastercard International Incorporated. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. Through the Coastal Community Bank 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 five participating Banks available, Deposits are FDIC-insured up to $1.25 million per depositor. For more information, visit fdic.gov. You are responsible for monitoring your deposits at each Bank to determine the available FDIC insurance coverage. Aspiration's Program Banks have formally committed that customer deposits will not be used for lending to oil and gas exploration, production or transportation, or coal mining.
Aspiration Debit Cards are issued by Coastal Community Bank, Member FDIC, pursuant to a license by Mastercard® International Incorporated. Aspiration is under separate ownership from any other named entity. 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.
1 Planet Protection offsets the estimated CO2 emissions from driving your vehicle based on purchases at gas stations. Verified carbon offsets are purchased quarterly, in aggregate, to account for estimated emissions from all Planet Protection subscribers. This feature is bundled into the Aspiration Plus program and is not offered as a standalone feature that can be purchased separately.
2 When you choose to add to your Aspiration Debit Card to the Plant Your Change Service, we round up the amount of Aspiration Debit Card transactions made using your Aspiration Debit Card feature in your Aspiration Spend Account to the next whole dollar amount (from $0.01 to $0.99), and transfer the amount in excess of the purchase price to an Aspiration Plant Your Change Service Account. Even dollar transactions ($xx.00) are not considered qualifying transactions and are not eligible to be rounded up for this Service. The Plant Your Change Service Fee from Debit Card transactions will be deducted from your account once each business day and include all qualified transactions incurred since the last fee withdrawal. 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. Planting trees and restoring forests are among the best ways to draw down carbon from the atmosphere, because they can help mitigate the impacts of climate change and contribute to healthy ecosystems that support wildlife and people. Trees planted by our reforestation partners are not intended to be used as carbon offsets and are not verified as such by a third party. Planted trees are part of a reforestation program where approximately 20-30% more trees are planted to account for natural survival rates and unforeseen circumstances (i.e., wildfires, natural disasters, disease) so enough trees survive to reforest an area. However, there is no guarantee all trees planted will be permanent.
3 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 cash back on purchases.
4 The Aspiration Save Account’s Annual Percentage Yield (“APY”) is variable and accurate as of 03/18/2025. Rates are subject to change. To earn 1.00% APY (3.00% APY if customer is enrolled in Aspiration Plus) interest on Aspiration Save Account balances up to and including $10,000.00 in any calendar month, customer must have settled debit card transactions of $500.00 or more, monthly, on their Aspiration debit card. Debit card transactions for money transfer vendors (for example, but not limited to, CashApp, Venmo, Facebook Pay) do not qualify towards the $500.00 spend requirement. Balances over $10,000.00 will earn 0.00% APY (0.25% APY if customer is enrolled in Aspiration Plus). If the requirements are not met each month, the APY will be 0.00% APY (0.25% APY if customer is enrolled in Aspiration Plus) on Save Account regardless of balance.
Terms & FAQ.
5 Aspiration’s early direct deposit of funds service is not guaranteed, is subject to payor’s support and the timing of payor’s payment instruction, and is based on a comparison of our policy of making funds available upon our receipt of payment instruction with the typical banking practice of posting funds at settlement. Aspiration generally makes these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Aspiration’s Allpoint ATM Locator.
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