Spiral - Mobile Banking vs Aspiration - Mobile Banking Uso e estatísticas
BECOME AN EVERYDAY HERO
Banking that rewards you for making an impact.
Headquartered in NYC, Spiral is the world's first ethical banking app that rewards people for making a social impact, as we deeply believe that banking can be a force for good. We offer a powerful banking app that allows you to earn and make a social impact every day.
JUST SWIPE AND MAKE AN IMPACT
Shop at any restaurant, coffee shop, gas station, hotel, and more, and we'll donate to plant trees and provide clean water, meals, and safe shelter to people in need.
EASILY SUPPORT CAUSES YOU CARE ABOUT
Round up to the nearest dollar and use that money to support the causes you care about. (5)
THE WORLD'S FIRST GIVING ACCOUNT
Easily donate and discover over 1 million eligible charities across the U.S. We'll match your donation up to $150 a year. (3) We'll even help you track your charitable contributions for tax purposes.
BYE-BYE MONTHLY FEES
No minimum balance. No monthly fees. (1) No ACH transfer fees.
EARLY MONEY, EXTRA MONEY
Get rewarded for making an impact. Get paid up to two days early with direct deposit (2)
MANAGE YOUR ACCOUNT EASILY
Connect your external bank accounts, Venmo, Cash App, PayPal, Apple Pay, Google Pay, and more.
PERSONAL CUSTOMER SERVICE
We believe in people, not robots. Our personal customer service team is ready to help you with every
need.
FDIC INSURED
All deposit accounts are issued by nbkc bank, Member FDIC. Deposits can be insured up to $250,000.
(4)
JOIN NOW IN LESS THAN 2 MINUTES
Spiral is a financial technology company, not a bank. Banking services provided by nbkc bank, Member
FDIC.
1- Spiral will charge your account $7 per month (for up to 6 months) if you do not make a deposit or
withdrawal for 90 days. Interest posting is not considered a deposit for purposes of this fee.
2- Your payment may be processed up to 2 days early. Timing depends on when your employer sends
payment funds.
3- Spiral matches donations up to $150 per year when you make a minimum donation of $5 per year. If
you set up a monthly direct deposit of payroll of at least $1,000 to your checking or savings account (or a recurring incoming transfer of at least $1,000 to your checking or savings account), Spiral will match your donations up to the annual limits in the Donation Matching Table by visiting www.spiral.us/disclosures depending on the number of your monthly deposits. If at any time during the year you increase your direct deposit of payroll (or recurring incoming transfer) so that Spiral's annual match would be higher, Spiral will match at the higher amount.
4- Any balances you hold with nbkc bank, including but not limited to those balances held in Spiral accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Spiral accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.
5- See Spiral Terms of Service for details.
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SPEND & SAVE ACCOUNT
• Sign up to start spending, saving, and investing with a conscience
• Fund the planting of a tree with every purchase you make (1)
• Feel good knowing your deposits will not fund fossil fuel exploration or production (6)
• Unlimited withdrawals at over 55,000+ Allpoint ATMs
• Earn up to 3.00% APY. Terms & Conditions apply (5)
• Get paid up to 2 days early (4)
DISCLAIMERS
The Aspiration Spend & Save accounts are checking and savings accounts offered through Coastal Community Bank, Member FDIC. Approved deposit accounts are FDIC insured up to $250,000 per depositor. For balances greater than $250,000, Coastal will Sweep the excess funds to one or more FDIC-insured depository institutions in their Sweep network (each a “Bank”) up to $250,000 per Bank. With five Banks available through the Coastal Community Bank Insured Bank Deposit Program (aspiration.com/2024-deposit-account-agreement#page=45), Deposits are FDIC-insured up to $1.25 million per depositor. This amount is subject to change at any time. Visit fdic.gov.
Aspiration Debit Cards are issued by Coastal Community Bank, Member FDIC, pursuant to a license by Mastercard® International Incorporated. Aspiration is under separate ownership from any other named entity. Aspiration is not a bank.
An affiliate, Aspiration Fund Adviser, LLC is an SEC registered investment adviser.
1.When opting into Aspiration's Plant Your Change Service, we round up Aspiration Debit Card transactions to the next whole dollar amount and transfer the excess to your Plant Your Change Service Account. For details, visit our Plant Your Change FAQ (www.aspiration.com/plant-your-change-FAQ).
2. Mission Financial Partners, LLC and its affiliates are committed to "All Extra Services Provided at Cost," meaning that we'll only charge you what it costs us to provide the extra service (such as a wire transfer), and not a penny more. Besides these at-cost service charges, customers may make an optional contribution via the Pay What Is Fair (PWIF) program. Proceeds from the PWIF program are recorded monthly in aggregate and donations are made to nonprofit partners selected by Aspiration within 12 months.
3. Aspiration’s Cash Back program is subject to change at any time and without notice, including reversal of rewards for abuse, fraud, and other illicit activity. Cash Back rewards are generally credited on the first day of each calendar month. For additional Cash Back details, visit aspiration.com/cash-back-faq.
4. Aspiration’s early direct deposit of funds service is not guaranteed, is subject to payor’s support and the timing of payor’s payment instruction, and is based on a comparison of our policy (www.aspiration.com/funds-availability-policy) of making funds available upon our receipt of payment instruction with the typical banking practice of posting funds at settlement. Aspiration generally makes these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
5. The Aspiration Save Account’s up to 3.00% Annual Percentage Yield (APY) is variable and accurate as of September 2024. Rates are subject to change. To earn 1.00% APY (3.00% APY if customer is enrolled in Aspiration Plus) interest on Aspiration Save Account balances up to and including $10,000.00 in any calendar month, customer must have settled debit card transactions of $500.00 or more, monthly, on their Aspiration debit card. Additional terms apply. Visit our Terms (www.aspiration.com/spendandsavedisclosure) & APY FAQ (www.aspiration.com/APY-FAQ) for details.
6. Aspiration’s Program Banks have formally committed that customer deposits will not be used for lending to oil and gas exploration, production or transportation, or coal mining.
Visit aspiration.com/policies for additional terms and conditions of services.
© Copyright 2024 Mission Financial Partners, LLC
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Spiral - Mobile Banking VS. 
Aspiration - Mobile Banking19ezembro d, 2024