Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Cushion review

Last updated:  

This app fights financial fees on your behalf.

Cushion uses advanced algorithms to scan your financial accounts and dispute charges on your behalf. Unlike other fee negotiating apps, you keep 100% of your refund. But you’ll pay an annual fee to use it.

From $36 per year





Fee$36 per year
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 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.

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 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.

How to sign up

Sign up with Cushion in four steps:

  1. Go to the official Cushion website and click Scan For Fees.
  2. Enter your phone number and click Continue.
  3. Enter your verification code.
  4. Select your financial institution.
  5. Enter your login credentials for that institution and click Connect.
  6. Follow the prompts to complete your profile.

Compare top budgeting software

Data indicated here is updated regularly
Name Product Fee Service fee Platforms
Chime Spending account
Get rid of fees with this mobile-first bank offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
(can be waived)
Digit analyzes your spending and automatically saves an appropriate amount every day so you don't have to think about it.
Finny provides top-notch money guides, simple investing tools, ideas and insights.
Emma helps you in avoiding overdrafts, finding wasteful subscriptions and giving you control over your finances.
You won’t pay a dime if this company can’t lower your monthly bills. But you’ll pay a hefty fee if it does.
Get financial advice, pay off debt, create a budget and automate savings with this budgeting app. But be prepared to pay for extra features.

Compare up to 4 providers

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

How much does it cost?

Cushion charges a flat annual fee ranging from $36 to $96 a year depending on how many negotiations you’d like each month. In return, you keep 100% of your refunds. Here’s how each package breaks down:

Plans & packagesCostFeatures
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

Is Cushion safe to use?

Cushion uses bank-level security to protect your data. All fees are negotiated through secure email, chat or traditional mail.

What are the pros and cons of Cushion?


  • Saves time and money. Cushion contacts your service provider to negotiate your fees.
  • Easy to use. It takes less than three minutes to create your account and link your financial accounts. Cushion does the rest.
  • Supports a lot of banks. Cushion supports 15,000 banks and credit unions in the US.


  • Annual fees. Cushion charges fees on an annual basis, which means you’ll pay at least $36 to have it negotiate on your behalf — even if it isn’t successful.

Frequently asked questions

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site