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Aspiration banking products: Savings, Checking, and CDs

Choose a bank that promises ethical investments and no monthly fees


Our pick for an Aspiration product: Aspiration Spend & Save Account

Aspiration Spend & Save Account logo



  • $10 minimum deposit to open
  • Unlimited cash back rewards
  • No monthly fee unless you choose to pay
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Aspiration Bank gives you the opportunity to invest your money in a bank that promises to give 10% of its earnings to charity and only invest your money in socially and environmentally responsible ways. But with limits on both account options and features, this digital-only bank isn’t the best option for everyone.

Compare Aspiration bank products

Name Product Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
55,000 free in-network ATMs
A spend and save combo account with unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.

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What banking products does Aspiration offer?

As part of its commitment to ethical banking, Aspiration offers the following accounts and investment products:

Personal banking

  • Why should I open an account at Aspiration Bank?

    Aspiration starts with a mission, but without skimping on the benefits:

    • You set the monthly fee. Choose to pay anywhere from $0 to $100 a month or more, depending on what you think is fair — 10% of what you pay is donated to charity.
    • Five free ATM withdrawals. Aspiration will reimburse any ATM fees on your first five transactions.
    • Invest in a clean environment. Your money isn’t used to invest in fossil fuel companies.
    • Track your impact. The Aspiration Impact Measurement app allows you to track the environmental impact of your spending.
    • Conscious Coalition. Earn greater cashback rewards when you use your debit card to shop at select stores that have partnered with Aspiration and its mission.
    • Free phone protection. If you pay your mobile bill with your debit card, you get up to $600 in phone protection for free.
    • Make charitable donations. Aspiration vets charities under seven categories and helps you make tax-deductible donations where every dollar you give goes directly to the charity.

    What should I look out for?

    As a digital bank, Aspiration comes with a few limitations:

    • No bank branches. Aspiration is an online-only bank with customer support access limited to phone support and an online request form.
    • No CDs or money market accounts. Your investment options are limited to mutual funds and IRAs.
    • No cash deposits. Use your ATM for withdrawals, but Aspiration doesn’t accept cash deposits.
    • Customer support issues. While some customers rave about Aspiration’s customer service, the Better Business Bureau and other customer review sites show a history of complaints varying from missing transfers to policy changes.

    Aspiration Bank customer service

    Contact Aspiration Bank’s support staff in the following ways:

    • Call 800-683-8529 weekdays from 6 a.m. to 6 p.m. or weekends from 8 a.m. to 4 p.m. PST
    • Fill out the Contact form from the website.

    Bottom line

    Aspiration Bank’s commitment to values-based investment makes it a great choice for anyone comfortable with digital banking and looking to manage their money in a socially and environmentally conscious way. But if the limited account and investment options aren’t for you, shop around to find a bank that better suits your needs.

    Common questions about banking at Aspiration Bank

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