<prompt> Human: My gf heard about this bank account called aspiration, where you have to have a minimum of 2,500 in the account and they guarantee 1 interest on your money. At first she wanted to only throw 2,500 in there to keep the account open, but now shes talking about putting all of her tax return money in it etc., and just leave it there. Saving her money and not touching it is a great idea but this bank seems sketchy to me, but I dont really have any legitimate reasoning. Can anyone else shed some light on whether or not this is a good idea?  <response>: Aspiration Summit is a checking account that offers up to 1 APY, but which starts much lower.If shes planning on using the account like a savings account, why not get an actual high interest savings account that offers a flat APY above 1? 1.3 to 1.5 is quite common with FDIC insured online savings accounts right now.Ally is offering 1.35.Discover is offering 1.4.Marcus Goldman Sachs is offering 1.5. 