I too have had an aspiration account since before the roll over to save and spend from their partnership with radius bank.
Since then it has been the worst regarding mobile deposits (the only way to deposit checks) there is NO way to deposit cash either, which is ridiculous.
My first deposit (my paycheck) into the new save and spend was held for 13 days. During which, I was unable to reach anyone at customer service via email or phone. This was the most frustrating experience with a bank seeing as they have NO physical branches.
After this went through eventually, everything seemed normal with the bank, no OD fees, and I pay 1 dollar a month for a checking and savings which is nice. My paycheck deposits (same bank and similar amounts) were coming through in ONE business day. Which for them was great.
UNTIL
5/15 just after 2 pm I deposit my paycheck via app.
I receive an email stating they accepted and are processing the check and it will be available in 1 business day.
Sweet. Business as usual.
5/16 NO DEPOSIT.
email them and ask whats happening.
Prompt response- I missed the deadline by 19 minutes...
OK, my bad. The following day is Friday and she says it will be available 5/17 around 4pm PST.
Cool, open up the app on friday evening because my card gets declined.
NO DEPOSIT
I respond to the previous email.... NO RESPONSE. Im freaking out at this point...
I create a new email on their website and ask what is happeneing again.
Get an immediate response...
SO I am out ALL of my paycheck... for an indefinite amount of time... They never reached out to me to notify me of this bug. I asked for a credit of even 100 dollars so I can pay some bills that are now late.... big no on that front.
They offered to submit a request for late fee reimbursement for anything that I incur...
As soon as this money is in my account I am pulling out 100 percent from this bank.
I'd rather use money orders and cashiers checks than put up with this...
horrible experience.
DO NOT DO IT!!!!!