Cushion Review: Is It a Legit App To Save Money on Fees?

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Most of us have experienced the frustration that comes with bank fees. The moment you get hit with a fee marks the beginning of an exhausting experience. 

If you decide to fight your bank to get the fee waived, then you likely have many uncomfortable and lengthy conversations in your future.

Or, if you choose to let it go, you are stuck paying the fee. Either option is a hassle. 

With Cushion, you don’t have to deal with bank fees on your own.

Instead, Cushion takes care of monitoring your accounts for hidden fees and will contact your bank to refund the fees when they appear. 

Curious to see how the company can help you? This Cushion review has everything you need to know.

Overall Rating


Cushion is an app that can help you combat unnecessary banking fees. With this service, you’ll never have to deal with the hassle of claiming a fee refund from your bank ever again — Cushion will handle everything for you!

  • Cost


  • Ease of use


  • Extra features



  • Saves you money
  • Works with most financial institutions
  • Saves you time


  • Annual fee
  • No guaranteed savings
  • Another cost to your budget

What is Cushion?

Cushion was founded by Paul Kesserwani with the goal to monitor your financial accounts and remove any unexpected fees or interest charges. 

No fee is too small or big for Cushion to tackle. Since its launch, the platform has helped customers recover over $8 million in banking fees.

Although there are some advanced algorithms behind the magic of Cushion, you just have to be a member to enjoy the benefits. It can be one of the most simple ways to save money.

Who is Cushion For?

Cushion reports that 93% of their users have been charged a bank fee within the last 90 days.

If this sounds familiar or you have ever been hit with an unexpected bank fee, then the service could be right for you. 

With the help of Cushion, you will never have to make an awkward phone call demanding that your bank refund a fee or rework your budget to accommodate an unexpected fee. 

When using the platform, most users learn that they’ve paid $300 more in bank fees than they expected.

If you suspect your bank has hidden fees working against your budget, then the service is a great option for you. 

That said, Cushion isn’t for everyone. If you regularly scan all of your bank accounts to spot unexpected fees and make the time to call your bank about refunds, you might not need the service. 

How Does Cushion Work?

In a nutshell, Cushion is an AI bot that automatically monitors your bank accounts to help you fight fees. Here’s how the process works.

You’ll start by connecting your bank accounts. These can include savings accounts, checking accounts and credit cards. This will allow Cushion to scan your accounts for fees.

The service works with over 15,000 banks and credit unions, including:

  • Chase
  • Wells Fargo
  • American Express
  • Discover
  • US Bank

The platform uses bank-level security to ensure that your information is stored securely and fully encrypted. Extremely sensitive information is handled by their security partners.

Fee Monitoring and Negotiation

cushion - connected banks

The service monitors your accounts for the past three to six months to identify fees. Then, it prioritizes negotiating the fees that have the highest chance of getting refunded.

Depending on your membership level, Cushion will negotiate a certain number of fees each month via online chat, mail or secured email. 

Some of the many fees that Cushion hunts down and negotiates on your behalf include:

  • Foreign transaction fees
  • Late fees
  • Overdraft fees
  • Monthly service fees
  • Wire transfer fees
  • ATM Fees
  • Credit card interest charges

Although this is not a complete list, it paints a picture of how many fees Cushion is willing to negotiate.

If you find a fee that Cushion didn’t catch, you can point it out and have the service work on getting it refunded.

Refund Decisions

cushion refund deductions

Your bank will either approve or decline the refund. This generally occurs within 90 days. If the bank approves the refund, they will deposit it directly into your account.

When you get a refund, you keep 100% of it. The service won’t take a percentage or charge extra fees if they are successful in their negotiations.

Your financial institution completely controls the refund process. The platform just negotiates on your behalf.

How Much Does Cushion Cost?

Cushion has three membership levels. The cost ranges from $36 to $96 per year, and all options are billed annually.


Cost: $36 per year

With the basic membership, Cushion will scan your accounts for fees once a week. If Cushion finds any fees, it will conduct one negotiation per month. 

The service will also provide negotiation updates throughout the process.

People’s Choice

Cost: $48 per year

The mid-level plan includes daily fee scanning. Cushion will conduct up to three negotiations for you each month.

Similar to the basic membership, the service will also provide regular updates on your negotiations. 

The Works

Cost: $96 per year

As you would expect, you’ll receive everything that Cushion has to offer in this plan with daily fee scanning, unlimited negotiations and regular negotiation updates. 

Additionally, users with The Works membership receive priority support. 

Is Cushion Worth It?

At a cost of up to $96 per year, you might be wondering if Cushion is worth it. With a reported 85% of users getting fees waived, your potential savings could exceed the annual membership costs.

Take a look at the amount you paid in banking fees in the past year. Does the amount come close to the cost of signing up for Cushion? 

You might find that Cushion could have saved you a decent amount of money. Or you might realize that your banking experience is relatively fee-free.

What you uncover will determine whether or not Cushion is worth the cost. 

If you are on the fence, then consider signing up for the basic plan for one year. With a relatively small upfront investment, you can see if you run into enough banking fees to warrant Cushion’s help.

Rewards Program

cushion referral program

To help make Cushion more valuable, the service offers a rewards program. Users can invite friends to join using a unique referral link and receive 350 points (worth $3.50) for each registration.

Once you reach 1,000 points ($10), you can redeem them for free Amazon gift cards. There are no limits to how many points you can earn. You’ll receive your gift card within 48 hours of cashing out.

If you sign up to be a Basic member and average one referral per month, you’d more than make up for your annual subscription fee in Amazon gift cards.  

Cushion is looking into offering other redemption options for different gift cards and even cash.


Have more questions about Cushion? Here are answers to the questions you may be asking.

How long does it take for Cushion to negotiate a bank fee?

The length of the process will vary dramatically based on the financial institution. It could take between two and 90 days to get a decision and receive a refund if Cushion’s negotiation is successful. 

Is the Cushion app legit?

Yes. The Cushion app is legit. It could save you substantial money over the course of a year. 

The platform reports that 85% of their users have gotten fees waived and that they have secured over $8 million in refunds since launching.

Can you cancel Cushion?

Yes. You can cancel Cushion at any time. However, Cushion doesn’t offer any refunds for cancellations.

Can I negotiate bank fees myself?

Yes, you can negotiate bank fees yourself. Unfortunately, it can take time and be a hassle. Cushion takes this cumbersome task off of your to-do list.


Cushion is a useful tool to help simplify your finances. When you want to make sure that all of your bank fees are caught and negotiated, Cushion is an excellent service that can put this task on autopilot. 

If you are looking for easy ways to save money, Cushion may be a great solution.


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