I've been a member of Aspiration for a few years now and I opened it as a secondary account for pet expenses. My dog was scheduled to have surgery so I started transferring money into Aspiration in preparation for the the surgery costs. The a transfers were limited to $1000/day but the transfers itself took 5-7 days to show up. They were quickly taken out of our original account but the days it took to be available on aspiration was insane.
Not only that, but once I had made a few transfers, a hacker got into my account and managed to changed the primary email and carry out 4 wire transfers (all without tripping any security steps, I had two fact Authentication set up). The bank was nowhere to be reached. I called and called the security line. They had an option foe a call back and I never heard from them 5 days after. I called everyday multiple times a day.
Finally I was able to find out that they are active on Twitter. So I had to publicly ask about my money being lost and why I hadn't been contacted. Finally I was called back. This was back in May. They opened up a "dispute" and put the stolen money back as a "preliminary credit". It is now July 8,2021 and nothing. No news on the dispute. No call backs. Going on Twitter this time didn't even work.
I've filed an SEC violation. My account is still locked and I can't get any money out. I cannot imagine if this had been my primary bank. If you look up reviews on BBB, there are people threatening suicide because this bank took their money and won't unlock it. I've also spoken to several people on Twitter and one of them has even started a Twitter specifically to complain about Aspiration.
The security is dismal if present. Customer service, especially on the security line is non-existent. The company hasn't taken any responsibility for the hack or done anything to ensure people's money and accounts are safe. I have emailed several times too and all I get is "sorry you had a bad experience". If you go on their towered, they are very active about talking smack on big bank but I cannot wait to go back to a big bank where my money won't be stolen and locked and I can guarantee things will be resolved in a timely manner.
Do not use this bank.