Fund taken after closing and got insufficient fee!!!!
Oh money still got taken out of bank even the balance below the setting!!! And got bank overdraft fee. How do I save? I have never written app review. But I’m very upset that I got fund taken out of my bank account even thought I unlinked my account within 15 minutes after opening the account. My plan was to not take my money out and unlinked the account. Now, not only I have to wait for the refund (if they would bank into my account) but it cost me overdraft fee in my bank because I got charged after cancelling it. I transferred all my money out because i didn’t want digit to withdraw and it still happened. Next I had to go to Digit website to close this account. I cannot do anything on the app unless I link my bank account, in other words I am giving permission for digit to take my money as they think is best for me . It’s not an app for someone who wants to control their own money. It would have been nice to allow customers to navigate the app before forcing people to link the bank account ... then we can decide whether we like it or not.
So if you are not sure what this is about (I’m still not sure), then don’t even bother using this app. I learned it like a stupid after linking my account and got slapped with fee by my bank. How is this Savings??? I just lost $35 bank fee plus Digit withdrawal for now reason
So if you are not sure what this is about (I’m still not sure), then don’t even bother using this app. I learned it like a stupid after linking my account and got slapped with fee by my bank. How is this Savings??? I just lost $35 bank fee plus Digit withdrawal for now reason
Show less
Great App!
This app is awesome! The part where is scans your account and saves for you is phenomenal, but you can also manually move funds as well, which is great! In doing so it makes saving mindless and easy while also letting me organize my funds for any large purchases or financial obligations with ease. Withdrawing from digit is simple and easy! You can do it two ways, the first takes a couple days for the money to hit your account after withdraw and that is free of charge, which is awesome! The second, if you need the money ASAP takes only a couple minutes to hit your account, but cost you a dollar. In my mind it’s a dollar... who cares, the total value you receive from the app vastly exceeds the 1 dollar charge for that option or the 3 dollar subscription. Made a whoopsie and over drew? No problem, digit has your back, turn on the overdraft protection in the app (even if you never overdraw your account, it’s a good option to have on), and if it happens digit automatically withdraws from your rainy day fund to cover down on the overdraft, no excess fees. Over all, the app is designed to help you out in as many ways as possible, with financial goals, bigger ticket purchases, financial obligations (rent, mortgage, car payment, etc). High 5 to the developers, you guys a really taking a step in a great direction to help people, keep up the great work!
Show less
Useless and Under/developed
UPDATE: I closed my account and they’re still taking money. I even screenshot Ted the conformation. Your bank likely offers the same service for no more money. Digit makes you wait several business days for money...completely defeating the purpose of a rainy DAY fund. You pay them monthly when you can just pay your bank whatever you pay them anyway. You want a monthly fee but can’t offer instant transfers??? NO.
Great concept but in someways, the app seems under developed. The biggest issue is you don’t have an instant transfer to bank account option even though you’re directly linked to my bank account. The reason people save money for rainy days is to be able to access the money on the same rainy day. Not three business days later. You can’t cut off the text messages that send your bank balance to your phone every day without cutting off all text notifications. For many reasons, I do not want my bank balance, as someone holding my phone has already seen that text message come through and that is embarrassing and invasive. In addition, the boost feature is weird and under explained. I’m not trying to boost to get to any goal, I just wanted to save more money. I should be able to do that without having to go through some cliché feature called boost that barely explained and has one sentence in an article under frequently asked questions that was hard to find. This app needs some work.
Great concept but in someways, the app seems under developed. The biggest issue is you don’t have an instant transfer to bank account option even though you’re directly linked to my bank account. The reason people save money for rainy days is to be able to access the money on the same rainy day. Not three business days later. You can’t cut off the text messages that send your bank balance to your phone every day without cutting off all text notifications. For many reasons, I do not want my bank balance, as someone holding my phone has already seen that text message come through and that is embarrassing and invasive. In addition, the boost feature is weird and under explained. I’m not trying to boost to get to any goal, I just wanted to save more money. I should be able to do that without having to go through some cliché feature called boost that barely explained and has one sentence in an article under frequently asked questions that was hard to find. This app needs some work.
Show less
Response from developer
UPDATE: Thanks for following up and sorry for the trouble there! When you close an account and it keeps saving it usually that the account wasn't completely closed down, you closed the account with pending saves or you have a second account. We'd be happy to look into this further for you. If you haven't already please contact us at digit.co/help [Original response] Thanks for reaching out and passing your feedback along. We're always working on improving the Digit experience. You can actually turn off just those checking balance - you'll want to text "notifications" then "never". Our boost feature is meant to help you save more money for a specific goal. If you wanted to manually save a certain amount into Digit you can do that using the "save" or "add money" command. Please don't hesitate to reach out if you have any further questions or feedback!
Great beginners guide to finance !
Digit has been one of the easiest and convenient to use to help me learn how to budget really fast . Because I pay for college out of pocket, saving up for tuition without killing my spending and trying to cut all expenses was way overwhelming and frustrating.
I set up a “rainy day fund” and a travel fund, rainy day was for tuition and travel fund is to save for any field trips / business trips for work and for 3years budgeting became very easy! I’d have to check my bank to make sure I’m not overdrafting every month, but it made a great job determining how much to save every week! By the time I had to pay my tuition every 6 months I didn’t even dent my bank account and it was so relieving that I had money left over to still eat out or treat myself. :)
Now that I’m close to graduating I’m realizing the only the only thing I missed out on was accruing interest and building credit but now that I’m in my mid 20s I’m gonna start focusing on that. The savings bonus is not enough to make up the monthly fee anymore, but I finally graduate university without any debt and that was totally worth the initial cost. Thanks digit!
I set up a “rainy day fund” and a travel fund, rainy day was for tuition and travel fund is to save for any field trips / business trips for work and for 3years budgeting became very easy! I’d have to check my bank to make sure I’m not overdrafting every month, but it made a great job determining how much to save every week! By the time I had to pay my tuition every 6 months I didn’t even dent my bank account and it was so relieving that I had money left over to still eat out or treat myself. :)
Now that I’m close to graduating I’m realizing the only the only thing I missed out on was accruing interest and building credit but now that I’m in my mid 20s I’m gonna start focusing on that. The savings bonus is not enough to make up the monthly fee anymore, but I finally graduate university without any debt and that was totally worth the initial cost. Thanks digit!
Show less
DO. NOT. USE. THIS. APP.
So I was not aware that my account would be AUTOMATICALLY drafted from my account! Currently, I am receiving multiple ($35) overdraft fees because this app took RANDOM amounts from my account which was already I. The negatives! Granted, when I downloaded this app and read the reviews, I was interested because I had finally found a way to save! I DID transfer $2 out of my account when I got my pay check to see if it was legit, and I was. ONLY A FEW DAYS LATER, Why do I see different amounts in different accounts on the Digit app, THAT I DID NOT AUTHORIZE! Now my account is even more in the negative with the overdraft fees to come! I really feel scammed! How can I get texts with updates but was not notified of the petty amounts being transferred without my permission! If I could rate this app a 0 I would! Here I am, a struggling college student ON MY OWN, trying to save and be responsible & this is what I get in return! I am telling everyone I know that has this app to delete it! I will be posting it on Facebook as well! Then the nerve to not have a customer service number?! You might wanna check into that while dealing with people’s MONEY! Even if it is only a little bit. Lawsuit coming soon if I don’t get an assistance on getting my money back. Period! Sincerely, an unsatisfied, more broke, scammed customer! 😡
Show less
It’s Alright
It’s an okay saving app. It takes away seemingly change almost everyday. How much it takes out depends on how much is in the account, which I like. There’s two things I don’t like.
One, you can only connect to accounts to it. I would like to be able to connect my checking and savings account so whatever it takes out of the checking, it would automatically be transferred to the savings. It would’ve been more convenient and I don’t trust having my money in an offshore app. However, I could transfer it back to my checking account and manually transfer the money into the savings.
Another thing I didn’t like was the monthly subscription. I wasn’t aware that there was subscription; it wasn’t made known. After a month, I noticed $3 taken out of my account and realized it wasn’t part of the money saved up, so I disconnected my account. I find it kinda stupid to be charged $3 for having my money being taken out for savings. Others probably don’t care, but I do.
Overall, I did like the app. It texted my everyday at the same time about my balance and how much it took out sometimes. I ended up saving $20 the past month, which is a plus.
One, you can only connect to accounts to it. I would like to be able to connect my checking and savings account so whatever it takes out of the checking, it would automatically be transferred to the savings. It would’ve been more convenient and I don’t trust having my money in an offshore app. However, I could transfer it back to my checking account and manually transfer the money into the savings.
Another thing I didn’t like was the monthly subscription. I wasn’t aware that there was subscription; it wasn’t made known. After a month, I noticed $3 taken out of my account and realized it wasn’t part of the money saved up, so I disconnected my account. I find it kinda stupid to be charged $3 for having my money being taken out for savings. Others probably don’t care, but I do.
Overall, I did like the app. It texted my everyday at the same time about my balance and how much it took out sometimes. I ended up saving $20 the past month, which is a plus.
Show less
Zero stars
If I could rate this app zero stars, I would. I signed up for digit and was skeptical that I had to enter my bank account info before I could even see what the app was about. I’ve used other financial apps in the past without it being an issue, so was I unpleasantly surprised when I get my account set up and the first message I get is that they’ve already made a withdrawal from my account without me even having set up my app preferences yet! I decided to remove my bank account and got a message that my saves would be refunded within a few days. Except I never got my money back. So I try to log in to the app to see what I can do and it won’t even let me in without entering bank account info. Against my better judgment I enter account info in for an account I don’t really use and usually has less than $100 in it. BIG MISTAKE as the app then makes ANOTHER withdrawal from that account. I look around and find the “close account” option. Again, tells me that my money will be returned to my account by the 12th. It’s now the 14th, still haven’t gotten EITHER of my “Saves” back into either of my accounts and because I closed my account the only way to get into the app to contAct them is to ... you guessed it... enter my bank info and create a new account. I tried texting and keep getting “your account is pending closure. To reactivate sign in at <digit website>”. Literally theft. Don’t waste your time or money on this app!
Show less
Response from developer
Our sincere apologies for the trouble you ran into while using Digit. 😕 If you haven't already, please reach out to us at help@digit.co and we can lend a hand and get your balance returned! Thank you!
Does not let you delete app!!
I downloaded digit in May (2018) of last year, and it was a good app. But, I deleted my categories of areas that I wanted to save in order to get the money back, and then closed my account in August 2018. It never stopped taking money out of my account for the ‘categories’ I created to save for. I have multiple bank statements proving this as well as a text from August 14th from them saying I closed my account. Granted they did say it takes 90 days total to close the account, but it has been way way past 90 days. I checked my bank account just now and still saw that Digit was still taking out of my bank, and I have no way to re access my account with the Digit app because I deleted my account as well as the app and when I try to re-download the app and log in I have to make a brand new account. I’ve even tried “re-activating” shorty after and when I did none of the money that was continually taken out of my account was there nor were my created ‘categories’. Occasionally, digit will deposit some of the money back, but not always, and not always the full amounts and lately I haven’t seen any deposits of money back but still money being taken out. I have tried to contact the company through their online app help, and a website as well, but neither time did I hear back. It’s just annoying I have absolutely no idea how to completely stop the entire process.
Show less
Response from developer
Hi there, Obviously we're concerned here and want to do everything we can to help out here! It sounds like perhaps what has happened here is that you may have accidentally created two Digit accounts and likely one is closed, but the other has remained active in the background. If you could please get in touch with our team at help@digit.co and pass along your name and any mobile numbers or emails you may have used with your account, we'll be happy to dig in and locate the active account and help you get it closed out with a full refund. Appreciate your patience here, talk to you soon!
Lies about promos
Last week they offered a promotion offering $100 to subscribers pending they get 3 invitees to to join and have their 1st auto withdrawal by the following week. On the first day of the promo, I got 3 friends to join. On the second day of the promo, I got one extra to join. They in turn each invited 3 or more to join to benefit from the promo and of course easily save money for a rainy day. IRONICALLY, NONE (including myself) had more than one of those joiners experience an actual auto withdrawal, within the next 7 days that the promo lasted. How convenient. I wrote to Digit at least 5 times trying to inquire as to why my joiners, all of whom followed through entirely on the sign up procedure, have not had their first auto withdrawals. I received ONE response back from ‘Courtney’ asking for my invitees names and phone numbers, which I promptly provided, saying she’d look into it. NOPE, never heard another word! And AGAIN IRONICALLY, one more of my invitees had their first auto withdrawal hours after the promo ended. I would have rated this app five stars, even ten if I could, but now I’m just embarrassed that I spent as much time as I did trying to communicate in emails and giving Digit the benefit of countless new monthly fee paying members by association. Never again. I’ll spend my next little bit of free time trying to find a similar app who doesn’t make broken promises and telling my friends to do the same.
Show less
Response from developer
Hey Hulia, really sorry for any frustration caused by the bonus. We were able to locate your account and we'll have someone get back to your email asap. Thanks for your patience!
Why doesn’t the service evaluate your balance?
I downloaded the app last month with the intention of using it once I had an ample amount of money in my account to save. I disabled the saving services and one of my gripes is there’s only a 30 day maximum to turn off their services, why not have an unlimited time? When the service turned back on I never received a text when I have previously received SMS notifications. Then the service started saving money when I didn’t have anything in my balance and accrued 3 overdraft penalties because of digit. I received a notification through Mint about the first two and contacted Digit’s customer service and they helped pay back the $60. What I didn’t like is instead of directly wiring the money to my checking account, they gave it to me through the app and I withdrew from there. Another thing that made me upset was instead of suspending the service to prevent this from happening again the service continued to withdraw money from my checking account with no balance. They only allow for instances for 2 overdraft help so I took am out $30. I’ve since unlinked my bank account and deleted the app. The idea is nice and the app works for what it does, but it needs to improve its algorithm for analyzing accounts before withdrawing money in case you have none.
Show less
