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Cushion review

Last updated:  

This app fights financial fees on your behalf.

Cushion deploys its bot, Fee Fighter, to dispute financial charges on your behalf. But you must create your account through Facebook.

$0

Monthly fee

25%

Service fee

Details

Monthly fee$0
Service fee25%
ATMsNo access to ATMs

Expert review

Cassidy Horton

Review by


Cassidy Horton is a writer for Finder, specializing in banking and investments. She has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. Cassidy enjoys educating people about financial services, exploring the Pacific Northwest and watching endless reruns of The Office.

Expert review

If you’re tired of paying bank fees every month and want someone else to fight them on your behalf, Cushion may be a good fit. It’s quick, easy to use and you only pay a 25% fee when the bot successfully saves you money.

The downside? You’ll need a Facebook account to access the Cushion.

Cushion is currently experiencing technical issues as a result of its connection with Facebook. As of January 2020, there’s a waitlist to sign up until Cushion engineers finish building their own platform that will allow them to move away from using Facebook.

How does Cushion work?

Cushion is budgeting software that uses artificial intelligence to negotiate fees and interest charges on customers’ behalf.

Once you link your bank account, the bot scans your transactions for fees and interest charges. Once it spots one, it negotiates with your service provider via email or chat. The process takes about 24 hours. If the bot is successful, it keeps 25% of your refund.

Cushion is brand new to the finance scene and it’s currently backed by pre-seed and angel investors. It currenlt supports 11,000 banks including Chase, Bank of America, Wells Fargo and American Express.

How to sign up

Sign up with Cushion in four steps:

  1. Go to the official Cushion website. Enter your email address and click Get Started.
  2. Sign in to Facebook Messenger.
  3. Click Get Started in Facebook Messenger, then Start Saving.
  4. Click Create Account, select your bank and log in.

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But before you decide, check out our guide to budgeting for beginners.

How much does it cost?

It’s free to set up an account with Cushion and have the Fee Fighter bot negotiate fees. The site only makes money when it successfully negotiates a refund on your behalf. When it does, it keeps 25% of the refund amount once it hits your account ⁠— you never pay out of pocket.

Is Cushion safe to use?

Cushion uses bank-level security to protect your data. Although Cushion’s Fee Fighter bot is through Facebook Messenger, users can’t enter sensitive information on the site. A secure pop-up window appears when it’s time to answer a security question, provide bank account information or add an account.

What are the pros and cons of Cushion?

Pros

  • Saves time and money. Cushion contacts your service provider to negotiate your fees.
  • Only pay for successful refunds. If Cushion can’t negotiate a refund, you pay nothing.
  • Easy to use. Simply log in with Facebook, link your bank account and Cushion does the rest.
  • Supports a lot of banks. According to a rep, Cushion now supports 11,000 banks.

Cons

  • Negotiation fees. Cushion keeps 25% of any fees it successfully negotiates.
  • Cushion uses Facebook. It’s not ideal for those without a Facebook account.

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