Aspiration - Mobile Banking 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.

Many years of Aspiration coming to an end

I have used aspiration from 2017 to present and overall it was a positive experience. But overall the quality of the product rendered.. banking and customer service has diminished. Originally unlimited out of network ATM withdrawals reimbursed.. they did away with that. Live chat and US based customer service.. gone. Then they switched banks from Radius to Costal Community bank other then my banking records becoming a PDF it was ok. Then more recently they switched from money market to tradition checking/saving accounts. Recently on the 23/24th there was system glitch (previously mentioned by another review). I had recently received my paycheck and scheduled payment for Chase CC, Discover CC and Capital One CC, as well as car payment. The glitch caused all those payments to fail. Fortunately I have another bank because if I didn’t those payments would be later. Chase and Capital One won’t let me transfer funds from Aspiration until Aspiration sends the proof of ownership on bank letterhead. Guess what it’s been a week and they haven’t been able to do that. My time with aspiration is almost certainly at an end.. 7+ years of mostly positive experiences tainted by some small annoying g changes and then massive system failure. If you can’t properly run tanagers, can’t explain what happened and can’t go through the requested steps to fix this issue with my other banks.. why would I bank with you?

Developer Response ,

Hi, I'm so sorry to hear that. I can't help over media, but if you call or email us and ask for a Letter of Account Ownership, we'll be happy to provide it. Our team is working hard every day to fine tune our existing line of services and launch new products. I assure you we will continue to make improvements to our service offerings as we continue to grow.