Posted by William Charles on July 30, 2019
Bank Account Bonuses

Published on July 30th, 2019 | by William Charles

399

[Expired] Aspiration $100 Checking Bonus (Extra $10 Via Swagbucks)

Deal has expired, view more bank account bonuses by clicking here.

Update 7/30/19: Still possible to get $100 and $10 in Swagbucks but you must go through Swagbucks to get both bonuses.

Update 7/3/19: Extended until 7/31/19

Update 6/17/19: Go through Swagbucks and get $100 + $20 in Swagbucks

Update 6/2/19: Bonus has been extended until 6/30/19. Keep in mind people have been receiving bonuses of only $50 instead of $100, not sure why.

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: Nationwide
  • Direct deposit required: Yes, $10+
  • Additional requirements: None
  • 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: May 31st, 2019 June 30th, 2019

The Offer

No direct link to offer, must go through Swagbucks

  • Aspiration is offering a bonus of $100 when you open a new Spend & Save account and complete the following requirements:
    • Set up and receive a direct deposit of at least $10 from your paycheck or government benefits by August 31, 2019

The Fine Print

  • Bonus will appear in account by August 15th, 2019
  • Offer is only valid for new Aspiration customers. Account must be created directly though this link.
  • Customer must complete the following activities: (1) Between 12:01 a.m. Pacific Time 5/7/2019 and 11:59 p.m. Pacific Time 5/31/2019, open and fund an Aspiration Spend & Save Account with a deposit of $10 or more, and (2) by 11:59 Pacific Time on 6/28/2019, set up and make an electronic direct deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government.
  • Aspiration Spend & Save Account must be open and in good standing, in the sole determination of Aspiration, through the date of the credit.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

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

The bonus isn’t mentioned on the Aspiration checking site, but the Penny Hoarder is a large website so I doubt they would be running a fake offer. We’ve talked about the Aspiration account before, it does a lot of things well but doesn’t really excel in any particular category. Probably worth doing for most people, because of that we will be adding this to our best bank bonus page.

Useful posts regarding bank bonuses:



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cn
cn

good deal, cb site have promo but dont think it will stack. fyi dont put more money in then you like to lose as per online post it seems they are not very good at running a bank, unauthorized fund pull from the bank account, shut down the account, very bad customer service, and it goes on.

Mimi
Mimi

Good reminder, best to read the grayed out fine print(s) and keep an eye on this account.

Gadget

No hard pull. Signed up P1 & P2 a couple weeks ago. No CC funding. Funding was done through Plaid. I did $10 from Capital One 360. Not sure what happens if you don’t link through Plaid… Probably traditional trial deposits thru ACH. I will look later for ETF.

Gadget

Couldn’t find an ETF. Since they work on a “pay what you want” motto/manta, I will choose $0 and see what they say.

Mimi
Mimi

I chose $1, will that be pulled out monthly from the external bank account we linked? It’s too early to tell if they’ll pull this as my “monthly fee”.

Did you hear back from them about the $0, meaning you don’t want to pay a fee?

Gadget

I’m sorry, I sort of meant that as a joke that I was going to see what they say. I will find out when I close the account. Since their monthly fee is optional, maybe ETF is too. I am pretty fee averse, so I set my monthly fee at zero.

Real DD hits Friday. I did $100.

bax
bax

Do NOT recommend. Awful account approval process, even worse than Citi Bank’s. I applied on Apr. 23 and it’s still not opened. They can keep their $100, because they surely look like they need it to wipe their own behinds with.

lingua
lingua

So much angst about free money…

missjenniferd1
missjenniferd1

lol

missjenniferd1
missjenniferd1

pretty sure its operator error bax….

bax
bax

“[O]perator error” my butt. They asked me to upload my ID (again!) even though I already uploaded it on Apr. 23rd during the application process. Since they claimed it’d take them “five business days” to review my ID, which would put me beyond the Apr. 30th open-account-by date for the $100 referral bonus, I called hoping to get the ID review expedited. Their phone line is apparently staffed by senior grandma’s, who try to be helpful but are totally unequipped to do anything except relay a message to the clowns in the backoffice. Not surprisingly, nothing was expedited, because they finally got back to me on May 2nd, 5-6 business days later, asking for proof of address. Since it’s their own braindead approval process that put me beyond the Apr. 30th deadline, I opened another ticket asking if they would honor the $100 promo. Crickets, to this date. Oh, all this didn’t stop their email bot from spamming me daily, urging me to finish my account application lest I miss out on the $100 bonus! So screw their $100.

Johnny_JIM
Johnny_JIM

no way? you were late to the game and they didn’t expedite GIVING you money? get real man. I can’t even believe that would upset somebody smh…

Tony Tony Tony
Tony Tony Tony

damn my account was approved in less than 10 seconds

drew
drew

there’s not even any mention of the $100 bonus on the direct link that has to be used to apply? im hesistant to bother signing up without any language that the $100 offer exists/is applied to my account..

AL
AL

“Note: This bonus is not advertised on Aspiration’s website but available to The Penny Hoarder readers who use this special link.”

missjenniferd1
missjenniferd1

i’m in for an easy $100 — i can paypal in $10 no big deal. if they dont pay, i close it. if they do, i have $100 for doing a $10 paypal xfer..

Em
Em

I signed up for this via Swagbucks a few weeks ago when they were offering 2000 SB and $50 cash from Aspiration. Met the requirements in a few days. The terms state that the $50 bonus will be paid to the Aspiration account on the 1st of the month following the DD, but no bonus appeared on 5/1, and now I’m getting the runaround from customer service.

The 2000 SB is pending, so at least that’s something. But it also confirms that the offer tracked successfully, yet Aspiration isn’t paying their portion.

I also cannot activate the debit card because their phone system is all automated, and you get trapped in an endless loop. Very unimpressed with Aspiration so far; just seems like there are way too many kinks to work out at this point.

James Bond

Can you share what you did for a DD?

Em
Em

real employer DD of $50. I’m paid weekly and it’s very easy to change my DD.

YK3
YK3

No amount for the DD requirement is listed… Will $1 suffice?

Ann
Ann

And I haven’t found any DPs yet on how picky they are about ‘DD’s.

IS250
IS250

It says $10 minimum for DD.

Set up and receive a direct deposit (minimum $10) from your paycheck or government benefits by July 31, 2019.

qmc
qmc

Note this is not itself a bank, but they do say they store your deposits in banks with pass-through FDIC insurance. Presumably one more hoop to jump through in the event that this company goes belly-up.

el_pistolero
el_pistolero

Soft pull for sure…I opened an account 3 weeks back

mcafeeee
mcafeeee

Platform for this bank is awful and still no joint accounts (been asking for years). Decent bonus though.

Bohn
Bohn

Not judging the deal but the dates in “fine print” are different than the blog post.

Fine print says DD by 6/28, blog body says 7/31
Fine print says bonus deposited by 7/15, blog body says 8/15

missjenniferd1
missjenniferd1

yep i noticed the same thing – for my cheat sheet info paper i write on every deal i do, i changed it to dd by 6/28 and bonus should post by 7/15. i went by the info on penny hoarder’s post, since that’s it’s their deal, i’m hoping their info is correct.

Gadget

Bohn missjenniferd1 I signed up in April. The TBH updated the promo in early May, but it appears they forgot to update one date in the file print, but the date in the article is adjusted appropriately. You need to add a full month to that payout date in the fine print, as it is from the April promo.

Maybe you will luck out though and get bumped up if the DD arrives sooner? I will just be happy if it pays out ever… I hate these deals where the actually company makes no mention of it, and you are taking the word of a 3rd party. I still do them though. HSBC/SlickDeals promo comes to mind, and that did work out just fine.

missjenniferd1
missjenniferd1

i just now got my external banks verified, so i initiated a dd from usaa

on another note, i also am doing the hsbc/slickdeals promo right now (just started it this week, still in the approval process with hsbc, today my trial deposits posted at my funding bank, so i entered that just now), hopefully they approve me smoothly. i’ve heard terrible stories about hsbc, but me and my mom both did the hsbc checking deal late last year and had zero problems. so i’m hoping this savings deal goes smooth as well. i’ve never done a slickdeal bank deal before. i actually have been on slickdeals for years, but never for bank deals, so we will see how this goes for me. glad to hear it went good for you, that gives me hope that mine will too.

on a different topic, for some reason your alert for this comment was in my spam folder for some reason…. not sure why, my doc posts never go there, i’m gonna see if i can figure out my whitelist in hotmail…

Gadget

That’s cool. I am about as white as you can get!

On a serious note, occasionally I catch stuff going to Spam folder. Hotmail seems to have the most inconsistent Spam folder, probably because they get the most Spam.

arizonapv
arizonapv

MissJenniferd, let me know if you figure it out. Even though I keep clicking on the junk mail and say it’s not junk, DOC emails still go to the Junk folder. I signed up for an Aspiration account today, I figure I had better move on it before the end of the month. There is not too much effort involved, so why not.

missjenniferd1
missjenniferd1

Gadget you were right about it being 8/15 instead of 7/15 because i havent gotten mine yet

Tony Tony Tony
Tony Tony Tony

Any idea of anything that counts as DD? I don’t see any datapoints at all. 🙁

arizonapv
arizonapv

No datapoints yet. I am trying Alliant, Chase, Discover, & Paypal (thank you Miss Jenn for the instructions re how to do paypal!) missjenniferd1

Barkley
Barkley

Alliant doesn’t work. I already tried adding

arizonapv
arizonapv

What do you mean when you say Alliant doesn’t work? Does it get rejected or denied or do you mean that it doesn’t code properly on the Aspiration side?

missjenniferd1
missjenniferd1

theres no detail on the dd’s so i’m just going to do quite a few different ones, and hope one of them works. same thing on the first american one. i hate when there’s no detail you can’t look for the long set of numbers on those and so i never know if i’m gonna get paid, but so far i’ve never been denied a bonus, so i’m just gonna do several on that one too. so far for first american i did usaa heritage and alliant – gonna probably do chase and paypal on that one too

missjenniferd1
missjenniferd1

i had zero trouble adding aspiration to alliant

Barkley
Barkley

hmm weird.. I had no problems adding Schwab.. but the trial deposits from Alliant never arrived my Aspiration account.

missjenniferd1
missjenniferd1

Barkley took like 3 days (longer than usual for alliant), but eventually showed up

missjenniferd1
missjenniferd1

so far i did usaa and alliant probably do chase and paypal as well this week. just doing $15

missjenniferd1
missjenniferd1

yw – and ps. you were right about alliant being 1 day transfer even though it was telling me 3 days it posted next biz day — will use them from now on. good hub account

IS250
IS250

There is no hard pull. Soft pull from Equifax only.

Also, looks like no ETF based on the disclosures I read through.

IS250
IS250

There is no hard pull. Soft pull from Equifax only.

Also, looks like no ETF based on the disclosures I read through.

Matt D.
Matt D.

Easy sign-up process…just speculation here, but I think my first try on the DD is going to be Chase. It seems like Chase checking account has triggered bonuses for other online banks in the past such as Chime and Varo. It might be best to do a six shooter approach to this account as the bonus won’t post until August so might want to try a few banks before the July deadline.

Aferrell21
Aferrell21

These guy have gone down hill since they switched the back end bank. I used them as my primary checking account for a couple years and then they moved from Radius to some small credit union in Florida. Many major institutions wouldn’t recognize the new routing and account number so it messed up a lot of my auto payments (credit cards, utility payments, car payments). Also, deposits would take about a week to show up. Customer service was awful when I was trying to get everything fixed.

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