Aspiration $100 Checking Bonus

Offer at a glance

• Maximum bonus amount: $100
• Availability: Nationwide
• Direct deposit required: Yes, see below
• Additional requirements: $10 deposit, $100 debit card usage
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: Optional
• Early account termination fee: Unknown
• Household limit: None listed
• Expiration date: February 29, 2020 Unknown

The Offer

Direct Link to offer

• Aspiration is offering a bonus of $100 when you open a new Spend & Save account and complete the following requirements:
  • Between 12:01 a.m. Pacific Time 2/15/2020 and 11:59 p.m. Pacific Time 2/29/2020, open and fund an Aspiration Spend & Save Account with a deposit of $10 or more.
  • By 11:59 Pacific Time on 6/30/2020, set up and receive three (3) electronic direct deposits of $500 or more each from your paycheck, pension or government benefits (such as Social Security) from your employer or the government (contract work such as Uber/Lyft does not qualify as direct deposit for the purpose of this promotion).
  • Use your Aspiration debit card to make at least $100 worth of transactions by 11:59 Pacific Time on 6/30/2020.

The Fine Print

• Offer is only valid for customers who open a new Aspiration Spend & Save Account or a new Save Account. Secondary owner joining an already established account as a joint user does not qualify for promotion.
• Offer only applies to accounts created through the following URL: www.aspiration.com/get-account-100?utm_source=ph.
• Customer must complete the following activities: (1) Between 12:01 a.m. Pacific Time 2/15/2020 and 11:59 p.m. Pacific Time 2/29/2020, open and fund an Aspiration Spend & Save Account with a deposit of $10 or more, (2) by 11:59 Pacific Time on 6/30/2020, set up and receive three (3) electronic direct deposits of $500 or more each from your paycheck, pension or government benefits (such as Social Security) from your employer or the government (contract work such as Uber/Lyft does not qualify as direct deposit for the purpose of this promotion), and (3) use your Aspiration debit card to make at least $100 worth of transactions by 11:59 Pacific Time on 6/30/2020.
• Allow up to July 17, 2020 for the $100 offer credit to post to your Aspiration Spend & Save Account. Aspiration Spend & Save Account must be open and in good standing, in the sole determination of Aspiration, through the date of the credit. All applicable account terms, fees, and charges are subject to change.
• This offer may be modified or withdrawn at any time without notice. Offer may not be combined with other offers.

Avoiding Fees

Monthly Fees

Aspiration checking works on a pay what you want model, so you can choose anywhere between $0 and $20 per month.

Early Account Termination Fee

I wasn’t able to find a fee schedule, so I’m unsure if there is any early account termination fee or not.

Our Verdict

We’ve talked about the Aspiration account before, it does a lot of things well but doesn’t really excel in any particular category. Not the easiest bonus, and just $100, but some might find it worthwhile.

Hat tip to Linamax and Ben

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times