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Aspire Checking
Rewards for how you live
You already use your checking account for daily expenses. Aspire gives you rewards for it, and your balance earns interest too.
Pay, deposit, and plan
Tools for the every day
Bank your way
Manage your account online or in the 1st Source app. Prefer in person help? Visit one of our 70+ local banking centers near you.
Everyday banking
Check balances, review transactions, deposit checks, pay bills, transfer money, set alerts, and manage your debit card.
See your financial picture
Our app brings spending, budgets, goals, and eligible outside accounts into one view so you can notice patterns and plan ahead.
Stay informed
View credit score updates, helpful tips, and tools that show how different financial choices might affect your credit.
Bonuses for how you live
Using your debit card gets rewards
If you already use your debit card often, Aspire gives you a reason to keep doing what comes naturally. Make 15 debit card purchases during your statement cycle to qualify for the loyalty bonus rate.
Your checking balance also earns interest while your money stays available for bills, purchases, transfers, and other needs.
What to know about Aspire Checking
Account details
| May fit your needs if | You use your debit card regularly and want a checking account that rewards that activity while also earning interest on your balance. |
|---|---|
| Minimum deposit to open | $10 |
| Account Service Fee | $0 or $10 per statement cycle |
| Introductory period | We waive account fees for your first two statement cycles. |
| How to avoid the Account Service Fee | Maintain a $500 minimum daily balance or Receive direct deposits totaling $500 or more during the statement cycle. |
| Standard interest | Your balance earns interest. |
| Loyalty bonus rate | Make 15 debit card purchases during the statement cycle to qualify. |
| eStatements | $0 |
| Paper statements | $2 per statement cycle |
| ATM fee rebates | We reimburse our fee for using a non-1st Source ATM up to six times during each 12-month account period. |
| First order of checks | One complimentary 20-pack of checks. |
Rewards that fit your routine
Is Aspire right for you?
You use your debit card often
Make your debit card use count
Make 15 debit card purchases during your statement cycle to earn a higher interest rate on your account.
You want your balance to earn
Get more from your balance
Your account earns interest while keeping your money handy for bills, purchases, transfers, and whatever comes next.
You want ATM rebates
Get added ATM flexibility
Receive up to six rebates of the 1st Source fee for using a non-1st Source ATM during each 12-month account period.*
Digital banking for everyday needs
Deposit, send, and transfer with flexibility
Deposit checks on your schedule
Deposit checks in the app
Deposit checks from your phone when it’s convenient, without making a trip to a banking center.
Send money with ease
Send money with Zelle®
Send money to friends, family, and small businesses from the 1st Source app.
Keep your card in your control
Manage your debit card in the app
Turn your card off if it’s lost, block certain merchants, set spending limits, and more.
More Included with Aspire
Money tools for you and your family
Free accounts for kids*
Aspire clients can add up to five free* parent-managed accounts. Parents can send money, review balances and recent activity, turn cards on or off, and set spending controls.
Kids and teens can use the Greenlight app to complete chores, earn allowance, set savings goals, and learn money skills through challenges, videos, and rewards.
Get a clearer view of your money
The 1st Source Bank app lets you review spending, build budgets, track goals, and see your other accounts alongside your 1st Source account.
You can also check your credit score, review helpful tips, and use tools that show how different financial decisions may affect your credit.
FAQ
- Make 15 debit card purchases during a statement cycle to qualify for the loyalty bonus rate.
- Your checking balance also earns interest.
- After the account has been open 90 days, you can receive up to six eligible 1st Source non-network ATM fee rebates during each 12-month account period.
- Additional account benefits and eligibility requirements may apply.
- Make 15 debit card purchases during the statement cycle.
- Your debit card activity determines whether you qualify for the loyalty bonus rate.
- Review the current rate disclosure for the applicable rate and full qualification details.
- Editor: Confirm which purchases count and when transactions must post before publication.
- Yes. Aspire is an interest-bearing checking account.
- Your balance earns interest at the account's current rate.
- You can qualify for a loyalty bonus rate by making 15 debit card purchases during the statement cycle.
- Rates may change after account opening.
- Aspire may fit you if debit card purchases are already part of your normal checking routine.
- Making 15 debit card purchases during a statement cycle can qualify you for the loyalty bonus rate.
- Your checking balance also earns interest while your money remains available for regular needs.
- Aspire includes additional benefits such as eligible ATM fee rebates and free digital banking tools.
- Your Aspirebalance can still earn the standard interest rate.
- You will not qualify for the loyalty bonus rate for that statement cycle.
- The Account Service Fee has separate waiver requirements based on your minimum daily balance or direct deposits.
- Aspire has a $0 or $10 Account Service Fee per statement cycle.
- Maintain a $500 minimum daily balance or receive $500 in direct deposits during the statement cycle to avoid the fee.
- We waive account fees during your first two statement cycles.
- Use Online and Mobile Banking to review balances and transactions, deposit checks, pay bills, transfer money, and manage regular account activity.
- Money Management can help you review spending, budgets, goals, and eligible outside accounts.
- Credit Score tools provide score updates, tips, and tools that can help you understand how financial choices may affect your credit.
- Card Control and other account-management tools are also available.
- ATM fee rebates begin 90 days after account opening.
- We reimburse our fee for using a non-1st Source ATM up to six times during each 12-month account period.
- International purchases and ATM withdrawals may include additional Mastercard or network fees.
- Review the current fee schedule for applicable international transaction fees.
- Eligible Aspire clients can add Greenlight debit cards for up to five kids, subject to eligibility and program terms.
- Each child can have their own debit card.
- Parents can send money, review balances and recent activity, and turn cards on or off.
- Parents can set spending controls, limits, ATM access, and purchase alerts.
- Kids and teens can complete chores, earn allowance, set savings goals, and practice everyday money decisions.
- Greenlight accounts are separate from 1st Source Bank and are managed through Greenlight and its banking partner.
Benefits that fit how you bank
Get more from your account
You get a paycheck, pay bills, make purchases, and move money throughout the month. Aspire checking gives you bonuses for these everyday activities, and doesn’t ask you to change your routine in order to get rewarded.
See all checking accounts
- Account Service Fee: $10 per statement cycle.
- You may avoid the Account Service Fee by:
- • Maintaining a Minimum Daily Balance of at least $500
-OR- - Receiving at least $500 in direct deposits during the statement cycle
- • Maintaining a Minimum Daily Balance of at least $500
- Paper Statement Fee: $2 per statement cycle.
- All fees are waived for the first two statement cycles after account opening.
- 1st Source Bank customers are eligible for the Greenlight SELECT plan at no cost when they connect their 1st Source Bank account as the Greenlight funding source through the duration of Greenlight use provided by Candescent. Should Candescent stop offering Greenlight, customer’s Greenlight account will remain open unless cancelled by the user, with pricing and terms to be agreed upon between customer and Greenlight and all monthly fees being owed by customer to Greenlight. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. See terms at greenlight.com/promotionsgeneralterms for details. Offer subject to change and partner participation.
- Greenlight is a financial technology company, not a bank. The Greenlight app facilities banking services through Community Federal Savings Bank (CFSB), Member FDIC.
- The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
- See full terms and disclosures