You may only access your Cash Balance through your Aspiration Account. You cannot access or withdraw the Cash Balance by directly contacting the Priority List of Banks. Balances in the Cash Sweep Program can be liquidated on your order and the proceeds returned to your brokerage account or to you.
There is a $1,000 daily limit for cash withdrawals from an ATM and a $4,000 daily limit for PIN purchases or any charges requiring your signature. You'll also be limited to a $5,000 daily outgoing transfer limit and a $1,000 daily incoming transfer limit.
Aspiration customers with a basic Spend & Save account can earn up to 3.00% on their savings, or they can earn up to 5.00% APY with the Aspiration Plus subscription add-on — which costs $7.99 per month or $5.99 per month if you pay for a full year in advance.
Unlimited ATM Withdrawals at Allpoint ATMs
ATMs on this map are fee-free for all Aspiration customers.
Customers receive a debit card with this account, which earns cash back on purchases from a variety of retailers. You will also earn interest on money that is not spent, which means you can earn money with both the Spend & Save sides of the CMA.
Simple has a fee-free ATM finder on their website and allows customers to use ATMs in Walmart, Costco, Dunkin Donuts, Walgreens, Hess, Target, and CVS, without being charged a fee. Chime's network has more than 38,000 fee-free MoneyPass ATMs.
Withdrawal options
These are your choices for withdrawing money from your Aspiration account: ACH transfer. Wire transfer. Request a mailed check.
Transfer fee
Electronic, i.e. Automated Clearing House (ACH) bank transfers from your Aspiration account are free. Outgoing wire transfers cost $4.50 within the US and $19.50 for international transactions, while there is a $2.06 fee for all incoming transactions.
How does Aspiration cash back work? Aspiration customers can earn up to 5% cash back on debit card purchases at retailers with a high Aspiration Impact Measurement (AIM) score, which Aspiration calls its Conscience Coalition.
As a cash management service for the non-wealthy and socially conscious, Aspiration is great. It doesn't cap the number of reimbursements you'll receive from ATMs and there's no minimum balance to maintain. Plus, you can use your dollars to align your finances with a worthy cause while still earning interest.
Get Paid Early
With Aspiration, you can receive your paycheck up to two days early when you set up the direct deposit from your employer.
Checks submitted before 2pm PT will be processed that day. During your first 30 days as a customer, all check deposits are subject to a 5 business day hold. In some cases checks are held for longer than 2 business days, on a case-by-case basis, even after the 30 day mark.
Customers enrolled in Aspiration Plus may receive one out-of-network ATM fee reimbursement per month. Please note, there is also a foreign transaction fee of one percent that is not waived when using foreign ATMs, which will be included in the amount charged to your account.
You can typically transfer money from your prepaid card to your bank account online, by logging in to prepaid card's app or website. If your prepaid card does not allow transfers to bank accounts, you can use a third party service like MoneyGram to make the transfer.
Aspiration is a financial firm, not a chartered bank. It offers a variety of accounts, with a focus on rewarding customers with cash back for purchases made from ethical companies. The money customers deposit through Aspiration is held at one of its partner banks, which offer FDIC insurance.
You generally can use your debit card to withdraw money at an ATM owned by another bank, or at an ATM owned by a third-party provider in a location such as a convenience store or restaurant. Both your bank and the owner of the ATM could charge you a fee for the transaction by deducting it from your bank balance.
Usually, your bank won't charge an ATM fee when you use a bank-branded machine. However, if you use an ATM outside of the bank's network, you'll likely face an ATM fee. This includes withdrawals, deposits and balance inquiries.
To get an Aspiration Zero cash advance:
Call Aspiration Zero customer service at the number on the back of the card and request a PIN, if you don't already have one. Insert the credit card at an ATM and enter the PIN. Select the cash advance option on the ATM screen. Enter the amount you'd like to withdraw.
Get a Planet-Friendly Debit Card
Use the new Aspiration debit card made from recycled plastic.
No overdraft fee: An Aspiration checking transaction that negatively affects the account is declined at no cost. Intuitive mobile app: Aspiration offers highly rated Android and iOS mobile apps that allow for convenient deposits with your smartphone. FDCI insured: Your funds are insured by FDIC.
Yes, direct deposit is our favorite feature (hello payday!) You can download a direct deposit form, complete with a voided check, through the app or website. Navigate to the “Manage” menu, click Direct Deposit, enter your details, and click Create Deposit Form to see a preview of the form.