Aspiration Spend, Save, Invest 4+

Literally, the Best Online Bank

I love this service. They’ve made so personally I don’t even use a big bank. I don’t even use a local bank or credit union. Linked with CashApp you can do everything. The direct deposit works well. The check cashing has worked every time. If I need to add physical cash I just do it thru CashApp, where you can go to places like Walgreens or many convenience stores. I’m self employed, so it’s all easy as all my cash comes digital anyways. The processing times are lightning fast.

Not only that, any time I’ve had an issue, their customer service is super fast and responsive to resolve it quickly. I’ve only had a couple times where deposit was frozen for a day because of maintenance. The card is sleek. You can plant trees based on your preferences in plant your change, which rounds up purchases. I’ve planted almost 800 trees, and got $75 in rewards back. They also have a built in investment stock in red wood forests with great ROI. The savings account has better ROI than any traditional bank I’ve seen. The list goes on… they offset your gas with carbon credits with the pro subscription. The Allpoint ATMs are free. If I need cash, I just get cash back at automated terminal at grocery stores.

Long story short. Plant trees. Fast processing times. Replace your big fossil fuel powered bank. Bank on your terms.

Aspiration USED TO Be Great

I don’t know what happened when they switched from being back by Radius Bank to Coastal Community Bank, but it has gone downhill fast. I have been a member with them for 9 years, and they were great when I first started with them. The customer service was on point and my issues always got resolved in a timely manner. The time difference of me being on the east coast and Aspiration being based in California has actually helped me have more time to get in touch with customer service due to me working evenings.

After they switched to Coastal Community Bank, my balance has not been accurate. You’ll see my balance say $1,100 and then an $800 deposit will cause it to show as $860 or something ridiculous like that. I’ve had several check deposits in a row, totaling about $300 and my account will somehow show that it dropped from $1000 to $800 after those deposits, which makes no sense. That means I have to do guesswork while paying my bills, because I don’t actually know how much money I have in my account. I don’t know about you, but I think that knowing your actual account balance is kind of important.

Developer Response ,

I'm sorry to hear about that issue. Please give us a call at 800-683-8529 so that we can help. We are available by phone from 6am-6pm PT Monday-Friday, and 8am-3pm PT Saturday & Sunday.

CLOSE YOUR ACCOUNT IMMEDIATELY

I’m not surprised the first review I read is a two star review about the inept customer service of this company. They offer promos for signing on with them as long as you spend a certain amount within a given time period. I could not transfer money to my account from my bank. Aspiration kept kicking it back. I called them about this multiple times letting them know I needed more time to spend the money because I couldn’t get money into my account. Everyone I spoke to said “we’re working on it” you’ll see an email with a decision soon. Soon became 4 months and no word. I called today and got irate enough to get an supervisors attention. They claim they sent an email to me and could see “I opened it but did not click a link to accept an extension for their promotion” I’ve scoured my inbox and can find no such email and if I had opened it, this review would not be happening. They say because Ii didn’t not click the link, they are not going to honor their promotion. They had no interest in helping, even though I was saying I would close my account. Close your account with Aspiration and find a brick and mortar bank that actually gives two craps, so when you have issues, you can look someone in the eyes and get your problems solved with real empathy. If you want apathy, customer service who either does not know what they’re doing or wants to just be lazy and empty promises, stay with these people.

Developer Response ,

We’re sorry to hear about your experience and appreciate you sharing this with us. We're forwarding this feedback to make sure our team is aware.