Aspiration FAQs

Planet-warming carbon emissions are contributing to unsustainable climate change with transportation ranked as a top contributor.

The good news is that now every one of us can reduce the impact of carbon emissions with carbon reduction and absorption strategies. Planet Protection by Aspiration automatically purchases carbon offsets on your behalf to neutralize the carbon impact of your driving.

Aspiration Save accounts can earn up to 1.00% annual percentage yield (APY) in interest.

Youll qualify for the 1.00% APY rate on your entire Aspiration Save Accounts balance during any particular month if you deposit* $1,000 or more into your Aspiration Save, Spend, or investment account during that month, orif there is a single end of day Aspiration Save Account balance of $10,000 or more during that calendar month.

Interest for Aspiration Save is calculated daily, and compounds monthly. Interest is calculated based on the end of day balance, and deposited into accounts once a month, around the first business day of the month. The interest added to your total balance on a monthly basis is then considered part of your balance for future daily interest calculations, so it compounds monthly.

* Eligible deposits include ACH transfers into Aspiration Spend and Aspiration Save accounts from external bank accounts, transfers from money-transfer apps, incoming wire transfers, check deposits, and direct deposits.

Aspiration Save accounts can earn up to 1.00% annual percentage yield (APY) in interest.

Youll qualify for the 1.00% APY rate on your entire Aspiration Save Accounts balance during any particular month if you deposit* $1,000 or more into your Aspiration Save, Spend, or investment account during that month, orif there is a single end of day Aspiration Save Account balance of $10,000 or more during that calendar month.

Interest for Aspiration Save is calculated daily, and compounds monthly. Interest is calculated based on the end of day balance, and deposited into accounts once a month, around the first business day of the month. The interest added to your total balance on a monthly basis is then considered part of your balance for future daily interest calculations, so it compounds monthly.

* Eligible deposits include ACH transfers into Aspiration Spend and Aspiration Save accounts from external bank accounts, transfers from money-transfer apps, incoming wire transfers, check deposits, and direct deposits.

Aspiration is building a community of people who care about both making money and making a difference. Every time you invite a friend or loved one who opens an account with us, Aspiration will give you $25 cash and donate $25 to the charitable cause of your choice -- and welcome them by also giving them $25 cash and donating $25 to their favorite charitable cause as well.

Whenever someone joins from your invitation, just choose the charitable cause you care about most from our menu of options, give from your "Do Good Dollars" account, and we'll make a donation on your behalf.

There is a $1,000 per month per person limit for referral cash.

By inviting your friends to join Aspiration, you are contributing to the companys commitment to giving, and sharing the same opportunity with your friends!

*Since Aspiration is making the donation, you will not be issued a donation receipt or a 1099. You may, however, be issued a 1099 for your cash earnings from referrals.

Full Terms and Conditions:

Credits provided for referral of new Aspiration Spend & Save and new Aspiration Save customers only.Invitation to join an already established account as a joint user does not qualify for referral bonus. To receive the $25 Do Good dollar credit, accounts must be open and in good standing, in the sole determination of Aspiration, for a minimum of ten business days. Referral Do Good credits take about 3 weeks to be credited in total, from the date of account opening. To receive the $25 referral cash credit, accounts must be open and in good standing, in the sole determination of Aspiration, through the date of the credit. Referrals must open a funded Aspiration Spend & Save or Aspiration Save Account,with a minimum of $50, by 11:59 p.m. Pacific Time on 12/31/2019. Investment funds do not qualify for this promotion. Allow up to eight weeks for the cash referral credit to post. Cash referral credits are limited to $1,000 per person per month for this promotion. Cash + Do Good credits referral program valid as of 12/2/2019. All applicable account terms, fees, and charges are subject to change. This offer may be modified, revoked or withdrawn at any time without notice.Customer is responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities, if required by applicable law. Customer should consult a tax advisor.

You can report your card as lost or stolen through the app or website by going to your account settings, then Debit Card Management.Then, click the Report a Lost/Stolen Card panel to answer a few questions about your lost card, deactivate the lost card, and have a new one sent.

You can also call (833) 635-6295 to report your card as lost/stolen using our automated system. Be prepared to answer a few security questions and follow the prompts. The automated system will list your mailing address on file, and if that address is correct, we will automatically send you a replacement debit card. If your mailing address is not correct, you will need to reach out to our Support Team for assistance in updating your mailing address and getting a replacement debit card.

If you need us, were available to help over the phone at (800) 683-8529 from 6am-6pm PST Monday-Friday, and from 8am-4pm PST Saturday & Sunday.

Sound the collective sigh of despair at the Aspiration office... Just kidding. Sort of.

But seriously, our aim is to make every customer super happy 100% of the time. If there is a reason you are dissatisfied with your Aspiration account, please let us know so that we can try our hardest to solve your issue.

Please contact us here for assistance or to request that your account be closed.

At the moment, we cannot accept cash deposits at ATMs. We are actively working on expanding the services and features we offer for the Aspiration Spend & Save account, and we appreciate your patience while we partner with a network of shared-deposit ATMs which will allow our customers to deposit cash.

To deposit cash, you can purchase a money order with your cash, then deposit the money order into your account using mobile check deposit. Money orders can be purchased at most convenience or grocery stores.

While this is a good workaround for depositing cash, please keep in mind that, as always, anything you deposit through mobile check deposit is subject to review by our team. Were also not able to reimburse you for the cost of purchasing a money order.

A carbon offset is when a carbon credit compensates for emissions occurring elsewhere via reduction, avoidance, or sequestering. A carbon credit is a financial unit of measurement that represents the removal of one tonne (1,000 kg or 2,205 lbs) of carbon from the atmosphere.

With the Aspiration Spend & Save account you can use any ATM, world-wide, that accepts Mastercard, and well reimburse you for up to 5 ATM fees per month.

This means that for your first 5 ATM withdrawals in a given month (domestic OR international), you will be fully reimbursed for any fees incurred about 2-3 business days after the date of your withdrawal.

International ATM withdrawal fees get reimbursed at a flat rate $4 per transaction. If youre ever charged a higher fee reach out to us with your ATM receipt, and our team will reimburse you the full amount.

We are not currently able to accept cash or physical check deposits at ATMs, but you can deposit checks with Aspiration's mobile app.

You earn cash back rewards automatically by using your Aspiration debit card for purchases. Cash back rewards are unlimited, and youll earn extra rewards for spending at businesses with a conscience.

One way to get those extra rewards is by AIMing higher! AIM (the Aspiration Impact Measurement) is the feature on our mobile app that shows you your own sustainable impact score and the score of many of the places you shop everyday. You can see scores for People and Planet. When you make purchases at businesses with the highest AIM scores, you currently earn 0.5% cash back on those purchases. (You currently earn 0.1% cash back on all other purchases.)

You can also earn up to 5% cash back on purchases by using your Aspiration debit card at businesses that are members of the Conscience Coalition. Click here to learn more about Conscience Coalition.

ACH transfers/transactions, mobile check deposits, check payments via the Payments feature, and ATM withdrawals are not eligible for cash back.

Keep in mind your debit card is linked to Aspiration Spend, and that both cash back percentages and businesses AIM scores are subject to change and may change at any time without notice.

The current list of businesses with the highest AIM scores, where we offer 0.5% cash back rewards, is below:

Adobe SystemsAetnaAllstateAppleAT&TBoost MobileBootsCricket WirelessCVSDirecTVeBayEsuranceGoogleJet.comMetLifeMicrosoftPage Plus CellularSkypeSprintTargetVerizonWalmartXbox

The current list of businesses that are members of the Conscience Coalition and the cash back offered at those companies is below:

5% cash back:ReformationWarby ParkerUnited By BlueParachute HomeBrandlessCauseboxLOLA

4% cash back:TOMSKnown SupplySoapbox

3% cash back:Arcadia PowerFeed ProjectsThis Bar Saves LivesWag WalkingBlue ApronGirlfriend Collective

These lists were last updated on September 11, 2019.

Aspiration Partners, LLC and its subsidiaries are not affiliated with the organizations listed.

Yes, and the first set of checks you order from us is always free. If you have Aspiration Spend & Save, your checks will be linked to Aspiration Spend.

To order checks, please submit a request here. Well need to confirm your address on file, and after we confirm your address your checks should arrive within about 10 - 14 business days.

You can message us the same way for any subsequent check orders, but please keep in mind that theres a shipping fee for checkbooks after your first one. The fee will vary depending on what shipping speed you choose.

Please also note that we have the Aspiration Payments feature available (for free!) on our mobile app, which allows you to electronically schedule the delivery of a paper check to either a person or a business.

The minimum deposit for opening an account is only $10.

Aspiration is a financial firm with a conscience. We provide spending, saving, and investing services that help you both make money and make a difference.

An Aspiration Redwood IRA gives you the option of saving for your retirement while you help save the planet at the same time. By choosing the Redwood IRA with sustainable investment strategies you can feel good about your financial decisions as well as feel good that, instead of supporting fossil fuel companies or firearm manufacturers, youre encouraging the businesses that are doing whats right when it comes to their employees and the environment.

We believe that companies who think about the long term in this way are well poised for growth, and since an IRA is an account you ideally hold for a long time, this kind of investment approach could make even more sense as you are investing for the long-term.

Signing up for an Aspiration account is easy: sign up online or download our app and begin the fast application process!

Weve tried to make the sign-up process as easy for you as possible, but if you have any questions along the way pleasedon'thesitate to let us know.

At Aspiration, you decide how much to pay us. Were confident enough in our products and in our customers to trust you to make this decision. We call this optional fee Pay What Is Fair.

Most financial firms impose a flat management or service fee on their customers. That means you pay them a set amount no matter how well the investment does, how hardthey'reworking, or how much you like what the bank or the company stands for. Not only do we think this is wrong, we also feel its disrespectful to customers.

Pay What Is Fair gives us a daily incentive to work hard for you and live up to our mission; something that no other firm has done before.

The greatest short-term benefit of a traditional IRA is the tax benefit. This benefit comes for you in two ways:

1. You may qualify for an income tax deduction when you contribute to a traditional IRA

2. Youdon'thave to pay taxes on your traditional IRA until you withdraw the money

But the most important benefits go deeper. Most Americans do not have nearly the savings they need, especially when companies' pension plans and government programs are more uncertain than ever. While retirement may seem far off or even not something you are looking for in the traditional sense of the term it is important to have the freedom and flexibility to make choices for your future. These tax protected retirement accounts are one of the best ways to achieve that.

Please research your personal tax situation or consult with a tax advisor before making a rollover transactions. Aspiration does not provide tax advice.

Planet Protection currently offsets the CO2 emissions from driving your vehicle. To determine the amount of CO2 to offset, we track your purchases at gas stations and then use the national average price for gas to estimate how many gallons you purchased. From there, we use Environmental Protection Agency (EPA) data to calculate the amount of CO2 emitted from each gallon of gas, and then purchase carbon offsets to counteract your emissions.

We offer mobile check deposit so you can easily deposit checks through the app. To make a deposit, open the mobile app, tap the Manage Money icon, then tap Check Deposits.

Well give you a reminder in the app every time you deposit, but before depositing your check, youll need to make sure that:

The back of the check is endorsed with your signature.

"For mobile deposit only to Aspiration Financial" is written underneath your signature.

Its also good to keep in mind that:

Checks deposited via the app cannot exceed $50,000 over a period of ten business days.

Onceyou'vebeen with us for 30 days, deposits are available within 1-2 business days. 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.

Partial or early release of funds is NOT available with mobile check deposit.

Business days are Monday-Friday, excluding Federal holidays. If you make a deposit after the cutoff time, or on a non-business day, the deposit will be processed the next business day.

We cannot accept checks that have been signed over from another individual (despite the endorsement).

For checks larger than $5,000:

First, deposit the check using mobile check deposit in the app. Then, wait for an email from us with next steps.

If we ask you to mail us the physical check, youll mail it to our partner bank: Coastal Community Bank, PO Box 2103, Everett, WA 98213.

Please note: mailing in the check without first depositing it via mobile check deposit will result in the check being sent back to you. Check processing times will begin once the check is received at the address above.

When you open your account with Aspiration you will be prompted to link a checking or savings account from a US-based financial institution (including Credit Unions). This bank account will serve as the source to fund your investments as well as receive any withdrawals. As soon as we have confirmed that your bank account is linked electronically, you will be able to make your first investment in the Aspiration Flagship Fund, or the Aspiration Redwood Fund.

There are two ways to link your bank account electronically and verify that you are the owner of the account:

Instant Verification: Bank accounts held at any of the financial institutions listed below qualify for instant verification. To use this method you will simply enter the same login credentials (username, password, and security questions) that you would use to login to your account on your banks website. Once your information is verified, you will get instant confirmation and you will be ready to start investing.

Please note that your login credentials are passed directly to your financial institution for verification. Aspiration does not have access to your login credentials and all data is encrypted and securely stored using bank-grade security measures. Check out what we do to protect your info by clicking here.

Micro-Deposit: If your bank account is not held at one of the institutions listed above, or you choose not to enter your bank information, you can always choose "Other Bank" and verify your account using micro-deposits. You will be prompted to enter the account and routing number of the bank account you would like to link electronically. Two small deposits will then appear in your account please note that, depending on your bank, this process may take up to two days. Once the two deposits appear on your bank statement, please log back in to your Aspiration account where you will be prompted to enter the exact amount of the two deposits. Once the two deposits have been confirmed, you will receive confirmation that your bank account has been successfully linked.

To use your debit card while traveling outside of the United States, you must enable international debit card usage in your Settings. To do this, log in to your account on our website, click "Settings" on the lefthand side of the page, then click "International Travel." When international travel is enabled, you will be able to make transactions on your card in any country except the ones listed below. We block all transactions in these countries to keep your account safe and secure.

Blocked Countries:

* Albania

* Belarus

* Bosnia Herzegovina

* Cuba

* Democratic People's Republic of Korea

* Democratic Republic of the Congo

* Iran

* Iraq

* Kosovo

* Lebanon

* Libya

* Macedonia

* Montenegro

* Serbia

* Somalia

* South Sudan

* Sudan

* Syria

* Turkey

* Ukraine

* Venezuela

* Yemen

* Zimbabwe

Yes!

To apply for a Spend & Save Joint Account, complete an application for a Spend & Save Individual Account. Once approved, you may invite your joint user in order to convert your individual account into a joint account.

If you already have a Spend & Save Individual account, you can invite a joint user who doesn't currently have a Spend & Save account to convert your individual account into a joint account.

Checks larger than $5,000 must be mailed to our partner bank after being deposited via the mobile app. Please keep this in mind before moving forward with a mobile check deposit. If you'd like to deposit a check for over $5,000, please follow the steps below:

Using the check deposit feature of our mobile app, capture the image of your check and complete all the required fields to submit your check.

Mail the physical check to our partner bank: Coastal Community Bank, PO Box 2103, Everett, WA 98213.

Note that mailing in a check without first depositing it via the mobile app will result in the check being sent back to you. Check processing times will begin once the check is received at the address above.

Payments is Aspiration's tool for sending money to pay your bills or to pay a friend. The person or business you designate for payment will be mailed a paper check with your name and address printed on it. This service is free, and there's no limit to the number of payments you can send!

The Payments feature is available only on the Aspiration mobile app. After scheduling a new Payment on the mobile app, you can expect it to arrive to your designated payee within 5-7 business days from the scheduled send date. Payments can be canceled on the mobile app up until the day before the scheduled send date.

To stop a Payment after a check has already been mailed, please give us a call at 800-683-8529. We can issue a stop payment up to 14 days after the check is mailed - as long as it has not yet been deposited. As part of our commitment to having our members Pay What Is Fair, there is no fee for stop payments on checks mailed via Payments.

Undeliverable checks will be returned to your permanent address on file (not your mailing address).

Money from a Payment will always be debited from Aspiration Spend, and not Aspiration Save. Note that after scheduling a Payment, money will only be debited from Aspiration Spend once the payee receives and deposits the check - and not at the time you schedule the Payment.Please do keep this in mind so that youdon'taccidentally spend those funds! There is no overdraft protection available for checks written, and it is up to you to ensure you have enough funds in your account to cover the Payment at the time it is deposited.

Unlike many other financial institutions, we enable our customers to spend, save and invest their money in a way that puts their conscience and the planet first. We already ensure customer depositsaren'tused to fund fossil fuel projects like pipelines and oil drilling. And, with our AIM scores, we already provide the ability for customers to see scores for businesses based on how well they treat people and the planet. With Planet Protection, customers can now go even further with aligning their money and values.

Aspiration is completely online,but we promise that when you call us with questions, you will get a smart, helpful, and real person answering your call - not an automated service.

Our customer service number is 800-683-8529 and our business hours are 6am-6pm PST Monday-Friday, and 8am-4pm PST Saturday & Sunday.

If youd like to export your transactions to a .csv file:

Web

1.) Click on the account (Spend, Save, etc.) you want to export the transactions for.

2.) Click Export Transactions in the upper right.

3.) Set your date range.

4.) Click Export to export your transactions to a .csv file.

5.) A confirmation message will pop-up, confirming the export was successful.

a.) If you select a timeframe with no transactions, you'll see an error message letting you know no transactions were found.

Mobile

1.) Tap on the account (Spend, Save, etc.) you want to export the transactions for.

2.) Tap the three dots in the upper right of the home screen, and tap Export Transactions.

3.) Set your date range.

4.) Click Export to export your transactions to a .csv file.

5.) Choose where you'd like the .csv file to be saved on your phone (Google Drive, iCloud, etc.)

6.) Once the file is saved, A confirmation message will pop-up, confirming the export was successful.

a.) If you select a timeframe with no transactions, you'll see an error message letting you know no transactions were found.

Were sorry for the confusion! Were working on fixing this as soon as possible. In the meantime, please feel free to reach out to us at [email protected] and well provide the transaction details.

As of now, were supporting and funding Cool Effect and 3Degrees. They are both well-respected organizations dedicated to fighting climate change through a range of projects that reduce and offset carbon emissions, including Amazon rainforest conservation.

The safety of our customers' personal information is of the utmost importance to Aspiration. With that in mind, we ask that all email communication be delivered to our support team from the email address associated with your account.

If you need to reach out from an alternate email address, please also store that secondary address in our system. These email addresses can be updated at any time from the Settings section on your online portal.

When calling the support line at (800) 683-8529, please be prepared to confirm the last 4 digits of your social security number and your date of birth.

Our support team is available 6am-6pm PST Monday through Friday, and 8am-4pm PST Saturday and Sunday.

We appreciate your patience in using these methods to keep your account safe!

For security reasons, and to guard you against identity theft, we have the following limits in place for your first 30 days as an account holder:Daily Limits for the first 7 calendar days:$100 Outgoing Transfers (ACH/Bank Transfers)$1,000 Incoming Transfers (ACH/Bank Transfers)$500 ATM Withdrawal limit$4,000 Total PIN & Signature based limitThen, for the remaining 23 calendar days:$500 Outgoing Transfers (ACH/Bank Transfers)$1,000 Incoming Transfers (ACH/Bank Transfers)$500 ATM Withdrawal limit$4,000 Total PIN & Signature based limitAfter this initial 30 day timeframe:$5,000 Outgoing Transfers (ACH/Bank Transfers)$1,000 Incoming Transfers (ACH/Bank Transfers)$1,000 ATM Withdrawal limit$4,000 Total PIN & Signature based limit

Please note the above transfer limits only apply to transfers scheduled within the Aspiration online platform. Transfers scheduled from an external account are subject to the limits of the external financial institution.

Afteryou'vebeen with us for 90 days, your incoming ACH transfer limits may vary depending on your account. If you attempt to schedule a transfer over your limit, well let you know in the app.You may transfer between Aspiration Spend and Aspiration Save up to 50 times per day. These transfers can be scheduled any time and are only subject to the amount available within the account.

Electronic transfers:

Electronic, or ACH, transfers initiated by 2pm PT on a business day will generally process 3 business days from that date. If scheduled after that cutoff time, or a non-business day, the transfer will generally process in 4 business days.Wire transfers:

Outgoing wire transfers must be scheduled on a business day before the applicable cutoff time to be debited same day. International wire transfers must be scheduled by 11am PT, and domestic wire transfers must be scheduled by 1pm PT.

Incoming wire transfers received by 12pm PT should be credited same day, but are subject to the sending banks processing times.

Please note:Outgoing wires transfers can't be completed within the first 90 days of account opening.Mobile check deposits:

"For mobile deposit only to Aspiration Financial" must be written on the back of your check, under your endorsement, to be accepted. Checks deposited via the mobile app become available 1-2 business days* after being deposited.

If deposited before 2pm PT on a business day, the funds will become available 1 business day after the day of deposit. If deposited after that daily cutoff time, or on a non-business day, the funds will become available 2 business days after the day of deposit.Check funds are typically released by about 4:30 pm PT.

* Please note that checks deposited within the first 30 days an account is open are subject to a 5 business day hold. Checks deposited after the 30 day mark may also be subject to a 5 business day hold on a case-by-case basis.

The average American emits 16.6 tonnes of CO2 equivalents per year through a combination of activities.

All of the projects that Aspiration supports with Planet Protection are verified to prevent greenhouse gases from reaching the atmosphere. Each project focuses on improving or developing carbon emissions reduction technology, and every project is verified to ensure it meets the test of additionality. The concept of additionality means that the amount of carbon emissions entering the atmosphere is less than it would have been without the project, and the project would not have been carried out without the funding through carbon offsets.

All of the projects that Aspiration supports through Planet Protection go through a rigorous verification process and are subject to ongoing monitoring and verification by organizations such as the Verified Carbon Standard,Gold Standard, American Carbon Registry, and Climate Action Reserve as well as by an independent auditor and site visits from our partners.

Aspiration is happy to provide you with cellular wireless telephone protection coverage, at no additional cost ($600 per claim/$1,000 maximum per 12 month period). In order to be eligible for this coverage, you must pay your monthly cellular telephone bill with your Aspiration debit card. You are eligible for coverage the first day of the calendar month following the payment of your cellular telephone bill with your covered card. This coverage is reimbursement for damage or theft of your "Eligible Cellular Telephone."

For the full terms and conditions, please read the attached Cardholder Benefits document.

*Coverage begins the first day of the calendar month following the payment of your monthly cellular telephone bill.

*Coverage ends the first day of the calendar month following nonpayment of your monthly cellular telephone bill.

*Coverage is excess of any other applicable insurance or indemnity the Eligible Person may have.

Coverage limitations: Coverage is limited to damage or theft up to $600 per claim subject to the terms, conditions, exclusions, and limits of liability of this benefit as well as the fifty dollar ($50) deductible. The maximum liability is $600 per claim occurrence, and $1,000 per twelve (12) month period.

What is NOT covered: The following items are excluded from coverage under this Policy:

Cellular Wireless Telephone accessories other than the standard battery and/or standard antenna provided by the manufacturer.

Cellular Wireless Telephones purchased for resale or for professional or commercial use.

Eligible Cellular Wireless Telephones that are lost or Mysteriously Disappear.

Cellular Wireless Telephones under the care and control of a common carrier, including, but not limited to, the U.S. Postal Service, airplanes or delivery service.

Cellular Wireless Telephones stolen from baggage unless hand-carried and under the Eligible Persons supervision or under the supervision of the Eligible Persons traveling companion who is previously known to the Eligible Person.

Cellular Wireless Telephones stolen from a construction site.

Cellular Wireless Telephones that are not received as a part of a recurring monthly plan from a cellular provider.

Cosmetic damage to the Eligible Cellular Wireless Telephone or damage that does not impact the Eligible Cellular Wireless Telephones ability to make or receive phone calls.

Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin.

Damage or theft resulting from mis-delivery or voluntary parting from the Eligible Cellular Wireless Telephone.

Replacement Cellular Wireless Telephone(s) purchased from other than a cellular service providers retail or internet store; or Taxes, delivery or transportation charges or any fees associated with the service provided.

There are a few options for withdrawing and depositing money:Deposits Electronic (ACH) transfers Wire transfers Third-party transfer apps, such as Venmo or PayPal Mobile check deposits (Spend account only)Withdrawals Electronic (ACH) transfers Wire transfers Third-party transfer apps, such as Venmo or PayPal ATMs (Spend account only)

These charges apply to Aspiration Spend & Save accounts.

Updated as of July 1, 2018.

KEY:

1 There are no Daily Overdraft (OD) Charges and the account should not be able to reach a negative balance

2 Deposited Item Reversal (Rev)

3 In the event of a rare overdraft occurrence, individual overdrafted items will not be charged a fee

4 Transactions posted against insufficient or held funds

5 A Return Item Charge will not be assessed for ACH or Check items returned unpaid

For $9.99 per month, or $99 per year, you can add Planet Protection to your Aspiration Spend & Save Account. To enroll, log in to your account on our website or mobile app, navigate to Settings, then click Planet Protection.

Yes. We automatically track and carbon-neutralize any gasoline purchases made with your Aspiration debit card, which is a part of the Aspiration Spend & Save Account.

To cancel your subscription, log in to your account on our website or mobile app, navigate to Settings, then click Planet Protection. Youll then see an option to cancel auto-renewal. Please note that canceling auto-renewal will prevent any future Planet Protection payments from being made, but will not result in a refund for any payments already made.

Carbon credits are issued by one of the worlds carbon standards, such as the Gold Standard, the Verified Carbon Standard, or the Climate Action Reserve. Credits are only issued after the project has met all the requirements of the standard and been verified by a third-party verifier. Each carbon credit is carefully accounted for and removed from the registry after purchase.

Sound the collective sigh of despair at the Aspiration office. Just kidding. Sort of.

But seriously, our aim is to make every customer super-happy, 100% of the time. If there is a reason you are dissatisfied with your Aspiration account, please let us know so that we can try our hardest to solve your issue.

If you have decided to close your mutual fund account(s), you will simply need to sell any shares you own. The proceeds will be deposited into the bank account you used to purchase the shares originally. If you used multiple accounts, or have any trouble in completing the sale of your shares, please email us at [email protected], and someone will assist you.

Once you've sold your shares in full, an email should be sent to [email protected], as written authorization confirming the account closure. This is for your protection, as well as our peace of mind.

If you change your mind, and choose to come back at a later date, you will be able to purchase shares once again and reactivate your investment account (unlike Summit Account closures, which are permanent).

You can deposit checks using our mobile check deposit feature on the Aspiration mobile app. Please note that checks larger than $5,000 must be deposited via the mobile app and then also mailed to our partner bank:

Coastal Community Bank, PO Box 2103Everett, WA 98213

At the moment, checks cannot be deposited at ATMs, but please rest assured that we are working hard to bring you the best features possible for this account. As soon as we have secured an ATM network for deposits, we will let you know!

Were excited to connect you with insurance from Lemonade! To get a quote for renters or homeowners insurance:

1.) Login on the web.

2.) Click Insurance Choices in the left sidebar menu.

3.) From there, you can choose to get a quote for either renters or homeowners insurance:

their support page.

4.) Once you click the Get a Quote! Button youll be taken to Lemonades website.

Getting a quote from Lemonade is completely free.

If you have any questions about Lemonades app or website, during sign-up or after, you can message their support by clicking the grey Help button in the lower right corner of

Aspiration is not affiliated with Lemonade

Aspiration is compensated by Lemonade for each customer that completes an application through the Aspiration - Lemonade partnership.

Not available in all states.

Lemonade Insurance Agency (LIA) is acting as the agent of Lemonade Insurance Company in selling this insurance policy, in which it receives compensation based on the premiums for the insurance policies it sells.

LEMONADE is a registered trademark of Lemonade, Inc.

Individual and Joint Spend & Save accounts are exactly the same in terms of account features (interest rate, ATM reimbursements, etc.). A joint account is only different in that it has two owners instead of one.Both owners on a joint account have equal access to all of the funds in the account, and equal ownership rights over these assets.Both owners get their own debit card with a unique card number, and can manage the settings on their cards (e.g. travel notice) independently.Each owner will have their own account number for their Spend account and the same account number for their Save account. Like individual Spend & Save accounts, joint account holders have the option to set a monthly Pay What Is Fair tip. The tip is deducted from the account once monthly.

We want to help with even more aspects of your financial life, and connect you with companies that share our values. Aspiration and Lemonade are both social mission driven B corps, that have set out to provide top-notch services while also giving back.

Ready to get started? Read more about how to get a quote here!

Aspiration is not affiliated with Lemonade

Aspiration is compensated by Lemonade for each customer that completes an application through the Aspiration - Lemonadepartnership.

Not available in all states.

Lemonade Insurance Agency (LIA) is acting as the agent of Lemonade Insurance Company in selling this insurance policy, inwhich it receives compensation based on the premiums for the insurance policies it sells.

LEMONADE is a registered trademark of Lemonade, Inc.

High AIM score merchants:

AdidasAetnaAllstateAT&TBoost MobileBootsCricket WirelessCVSDirecTVEbayEsuranceGoogleJet.comMetlifeMicrosoftPage Plus CellularPrudentialSkypeSprintTargetVerizonVodafoneWalgreensWalmartXbox

Bonus entries are also provided at Conscience Coalition merchants.

Checks cannot be deposited directly into Aspiration Save at the moment. If you have an Aspiration Spend & Save account, youre welcome to deposit a check into Aspiration Spend and transfer the funds over to Aspiration Save.

Once your account is open, you will be able to sign in through the app, or on Aspiration.com at any time. To sign in you will just need your email address and the unique password you created when you opened the account.

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. Click Download Deposit Form to download the form to your phone or computer.

If you just need to locate your account and routing numbers, login to your account, go to your Settings, and click Account Info.

If the issuer of your direct deposit asks, your account would fall under checking.

You may also need an address. The one you can use for direct deposit is:

Coastal Community Bank Bank Address: PO Box 2103 Everett, WA 98213

We suggest you wait until you've activated your debit card before setting up direct deposit, to ensure you have easy access to your funds.

If youd prefer to print out a direct deposit form and fill it in by hand, click the link at the bottom of this article.

Onceyou'vereceived your new debit card, you can activate in the app or on the website. Youwon'tbe able to activate a new card untilyou'vereceived it. To activate:

Go to your Settings.

Click Debit Card Management.

Click the Activate a New Card panel.

Enter in the last 4 digits of your card number, your expiration date, and your CVV.

Set a PIN, and thats it!

You can also activate a new card by calling (833) 635-6295. This will connect you with an automated system that will ask you for your card info before activating.