Are cushions worth it?

Asked by: Hester Langworth  |  Last update: February 9, 2022
Score: 4.7/5 (25 votes)

While Cushion does do a good job of finding bank fees, it isn't 100% accurate. Some fees might be missed. If you find fees that it didn't, you can report them on the Cushion website or mobile app. It will then go to work on those fees.

Is Cushion worth the money?

I signed up with Cushion, and within three days I had almost $800 credited to my account. My service charge for Cushion was $48—definitely worth it! They are still working on other fees, but at this point, anything extra is a bonus for me. Super happy customer, and I'd definitely recommend it!”

Should I trust cushions?

Cushion is an excellent service that genuinely helps consumers save and get back the money they've spent. Of course, it's not the only software of its kind, and some of the competitors do a just as good, if not a better job.

How long does it take for Cushion to work?

Depending on your bank's process this can take from 2 days up to 90 days.

How long does it take to get money back from Cushion?

The time it takes for Cushion to get your refund depends on how much the fees are for, what the fees are from, and who charged you the fees. Typically, any fee can take 2-90 days to get refunded. Since this is such a huge window of time, you shouldn't use refunded fees as a reliable source of income from Cushion.

Memory Foam Seat Cushion Review! Worth it?

25 related questions found

How long does Cushion take to negotiate fees?

How long does it take for Cushion to negotiate a bank fee? The length of the process will vary dramatically based on the financial institution. It could take between two and 90 days to get a decision and receive a refund if Cushion's negotiation is successful.

Does Cushion work with Chase?

Big fan of Cushion - it just does its job and stays out of your way when there isn't money to be reclaimed. ... So far, I've connected it with the rest of my Chase accounts, and looking forward to when I can connect Cushion to my actual bank account to fight overdraft charges (darn you, BofA)!

What apps negotiate bank fees?

Here are a list of some of the best financial apps that do the negotiating for you:
  • Truebill. Truebill can help you manage subscriptions, lower your bills, and make the most of your spending. ...
  • Trim. Like Truebill, Trim is a financial management platform that helps you save money in a handful of ways. ...
  • Billshark. ...
  • Harvest.

Does Cushion work with Wells Fargo?

How does Cushion work? ... Cushion supports 15,000 banks and credit unions, including Chase, Bank of America, Wells Fargo and American Express.

How do you negotiate overdraft fees?

How You Can Try to Get Your Overdraft Fee Waived
  1. Call your bank. Contact your bank as soon as you realize you've been charged an overdraft fee. ...
  2. Explain what happened. ...
  3. Provide a timeline. ...
  4. Point out your history as a customer. ...
  5. Always be polite. ...
  6. Get a second opinion. ...
  7. As a last resort, try this.

How do I cancel cushions?

To cancel, you can do so in-app or send an email to
  1. Fee Negotiation cannot be activated on its own. ...
  2. Fee Negotiation costs $0 upfront.
  3. When the Company successfully negotiates any of your fees, you accept to pay some percentage of the fee-waiver or refund amount (a Commission) to the Company.

How do you get money out of cushions?

Cushion offers a generous rewards program and incentivizes our users to reach better financial health. To cash out, navigate to the 'Earn' tab or click 'Points' on the homepage. Once on the 'Earn' page, Click 'Cash Out. ' Keep in mind: you can only withdraw in $10 increments.

Does cushion AI have an app?

Congratulations! You have successfully downloaded the Cushion app to iPhone and can access it from your homescreen.

How do I get my bank fees back?

Call, Email, or Write a Letter. You can get your bank to refund your overdraft fees by contacting a representative of your bank. By calling, emailing, or writing a paper letter to your bank, your fees can be waived if applicable. Be courteous when contacting them.

How can I get my ATM fees back?

In most cases, banks reimburse ATM fees at the end of each statement cycle by crediting the customer's account with the total fees the customer was charged that cycle. Since most banks issue statements monthly, customers can expect reimbursement for ATM fees once each month.

Does Wells Fargo have overdrafting?

Our overdraft fee for Business and Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means); our fee for returning items for non-sufficient funds is $35 per item.

How do you get multiple overdraft fees waived?

All you need to do is pick up the phone and call your bank's customer service when you notice the fee. Be polite on the phone and say that you saw the charge and you would like it removed. Most agents will wipe it for you and tell you that they can only do so a limited number of times.

What is overdraft fee?

Overdraft fee definition: An overdraft fee is a charge you receive from your bank when you spend more money than you have available in your bank account, usually your checking account.

What is a cushion account?

In general, a cushion is a small balance (less than $1,000) that you maintain in your checking account for the sake of avoiding overdrafts. An emergency fund, on the other hand, is a large balance that's meant to sustain your living expenses for months after a major event like job loss or a medical emergency.

What is the best bill negotiation service?

Select's picks for the top bill negotiation services
  • Best overall: BillCutterz.
  • Best for texters: Trim.
  • Best for saving on utilities: Billshark.
  • Best for finding unused subscriptions: Truebill.

What bank is cash App?

By using Cash App, you agree to be bound by the Lincoln Savings Bank Terms and Conditions set forth here.

What is the difference between cushion and pillow?

People often ask, “What's the difference between a cushion and a pillow?” Today, we have an answer for you: Generally, people use the word “pillow” for the thing you put under your head when you sleep. ... Cushions, on the other hand, are the soft decorative objects we love arranging on our sofas for comfort and decor.

What is a financial cushion why is it important?

A liquidity cushion of cash reserves or money market instruments can prevent a company from having to sell more illiquid securities or other investments – possibly at a loss – to raise cash to meet short-term obligations like repaying loans, bills or wages.

How do you negotiate bank fees?

When negotiating a fee waiver, it's important to be specific and straightforward. Call the bank, mention the fee you incurred and say you would like to have it waived by the bank. If the bank isn't immediately open to helping you, try to show you're a valuable customer.