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From $36 per year
Fee
N/A
APY
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.
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 has several different plan options to choose from.
The downside? Cushion charges an annual fee, ranging from $36 to $96 depending on how many negotiations you want each month. This is different than other apps that usually take a cut of your refund instead of charging a monthly fee.
If you have a lot of fees and interest charges to negotiate, the annual fee may be worth it. But if you only need refunds for a couple of charges, you may be better off using an app like Billshark.
Plans & packages | Cost | Features |
---|---|---|
Basic | $36 a year ($3 a month) | One negotiation a month Weekly fee scanning |
People’s Choice | $48 a year ($4 a month) | Up to 3 negotiations a month Daily fee scanning Negotiation updates |
The Works | $96 a year ($8 a month) | Unlimited negotiations Daily fee scanning Negotiation updates Priority support Early access to new features |
Sign up with Cushion in four steps:
Once you link your financial accounts, Cushion scans your transactions for fees and interest charges. Once it spots one, it negotiates with your service provider via secure email, chat or mail. The process can take anywhere from two to 90 days depending on the institution.
Cushion supports 15,000 banks and credit unions, including Chase, Bank of America, Wells Fargo and American Express. It has successfully refunded over $3 million to customers as of September 2020.But before you decide, check out our guide to budgeting for beginners.