Early ACH/Deposit Information


You asked and we listened: now you can get paid early at Aspiration!*

That’s right: if you have direct deposit (or other qualifying inbound ACH transfers) set up with your Aspiration account, you will now receive it up to two days early!* (This change is automatic and you don’t need to take any action.)

ACH transfers include, but are not limited to: Social Security payments, government benefits, annuity payments, investment income, gig economy payments (Postmates, UberEats, Amazon, etc).

Pay your bills early, get a jump on investing, or start earning interest right away—whatever you do with it, it’s your money, so why should you have to wait? 

Earn $25 when you set up a qualifying direct deposit.**


*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 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.


**Offer Terms and Conditions: Offer is non-transferable and non-assignable. Customer must set up a new direct deposit from a payor which had never previously credited funds to the account and receive at least $500 of cumulative direct deposits from their paycheck, pension or government benefits (such as Social Security) from their employer or the government within the first 60 calendar days after setting up and receiving a first direct deposit. Allow up to 120 days from the date that $500 cumulative direct deposits is received for the $25 offer credit to post to your Aspiration Account. Aspiration Account must be open and in good standing, in the sole determination of Aspiration, through the date of the credit. Promotion is ongoing and valid as of 12/1/2021. Limit one direct deposit credit per account for the life of the account. All applicable account terms, fees, and charges are subject to change. This offer may be modified or withdrawn at any time without notice. Customer is responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities, if required by applicable law. Customer should consult a tax advisor.