Having issues for the third time...
This app isn't really for people who live paycheck to paycheck due to how much money they take out of your account. When it's good, it's really good, but when it's bad, it can be really bad. So I've had this app for about a year and a half maybe two years and it's been decent. Even if I tell digit to 'save less' it still takes too much money out of my account. Last time I chatted with customer service to ask why digit was saving $15 or $19 from my checking account in one lump in one day and the representative told me that it's because digit senses a paycheck coming which baffled me but I stuck with the app. I set a daily saving limit of $10 and at the times something told me that I should set the bar lower but I didn't listen. Imagine my surprise when $10 was taken out of my account THREE DAYS IN A ROW. In case anyone is bad at math, that's $30 over the span of three days. You might think, hmm, I guess you bought something that caused the app to save $10 for you everyday. I paid my rent which should've rounded up my change to the next dollar, not take $10 out of my account for three days. I'm tired of this. Instead of having nearly $80 in my account until my next paycheck I have nearly $50. I have Qapital as well and that app is not nearly as hard on my checking account as this one is. I'll be deleting this app.
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Bad Experiences
I’m pretty disappointed with the app. I downloaded it, but I was skeptical. I liked the concept of Digit. However, I’m in a situation where I have little “disposable” income, so the idea of saving bit by bit seemed like the ideal way to save for me.
I set the bar at $50 for account protection, so the app wouldn’t “save” if my account balance was below $50. Easy, right? Not really.
The app, in my case, just randomly withdrew arbitrary amounts of money from my checking account, without consideration of my paydays and when/what bills were due. It would be anywhere from mere cents to $10-15 each time it saved. Eventually, I just paused the saving before it started to charge me the monthly fee to scope the app in order to see if it was something I’d keep.
I never pressed play on the saving again, but it continued to withdraw from my account in the name of savings. The savings were just $.50 withdrawals, so it went by unnoticed. It took out $20 one day, which I did notice, so I checked the app and saw it was still saving my money. I closed my account and was assured that I’d have my money back the next business day, yet my bank just posted the transaction as a withdrawal from my account. There’s nothing set for me to get that $20 as far as I can see.
If you want, try this app, but I’d be weary.
I set the bar at $50 for account protection, so the app wouldn’t “save” if my account balance was below $50. Easy, right? Not really.
The app, in my case, just randomly withdrew arbitrary amounts of money from my checking account, without consideration of my paydays and when/what bills were due. It would be anywhere from mere cents to $10-15 each time it saved. Eventually, I just paused the saving before it started to charge me the monthly fee to scope the app in order to see if it was something I’d keep.
I never pressed play on the saving again, but it continued to withdraw from my account in the name of savings. The savings were just $.50 withdrawals, so it went by unnoticed. It took out $20 one day, which I did notice, so I checked the app and saw it was still saving my money. I closed my account and was assured that I’d have my money back the next business day, yet my bank just posted the transaction as a withdrawal from my account. There’s nothing set for me to get that $20 as far as I can see.
If you want, try this app, but I’d be weary.
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Pleasantly Surprised
I have only been using Digit since last month and it has already saved almost $350 from my checking account! I would see the withdrawals from my checking account, but otherwise I put the app out of mind. I decided to check the balance today and was pleasantly surprised with the amount saved already! The savings is the best feature about this app, but there are two more impressive features worth noting.
First, it sends me a text every day telling me good morning and most of the time it’s in a different language. How fun! The text also tells me how much money was in my checking account the day before, and how much is in there that day. It includes a link to view recent checking account activity, but I have not used that feature as of yet.
Second, Digit has a low balance protection feature and I set mine at $25. This means that Digit will not take any money out of my checking account if my balance is less than $25. But I found something else out yesterday. Digit also transfers money from the app to my checking account if my checking account balance drops below $25!
Love it!
First, it sends me a text every day telling me good morning and most of the time it’s in a different language. How fun! The text also tells me how much money was in my checking account the day before, and how much is in there that day. It includes a link to view recent checking account activity, but I have not used that feature as of yet.
Second, Digit has a low balance protection feature and I set mine at $25. This means that Digit will not take any money out of my checking account if my balance is less than $25. But I found something else out yesterday. Digit also transfers money from the app to my checking account if my checking account balance drops below $25!
Love it!
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Steals from your account!!
Digit is setup on a bills only account of mine and bc the algorithm and timing of digits withdrawals is so slow and random, it has accumulated multiple over draft fees. The first time it happened I just chalked it up to me not monitoring the account well enough with a new source taking from it randomly. Digit refunded the money and recommended options on how to avoid this from happening. I followed their advice and yet again with the timing of Digit and the randomness of the withdrawals it happened again. This time I looked to close the digit account to avoid yet another situation and the only option that’s clear is texting PAUSE. I would look for a way to close the account several times and texted pause several times to avoid using the app then ended up uninstalling. It stopped taking money out of the account for some time so I thought it was over with it... I WAS WRONG!! It was taking money out of my account in the background and started causing more overdraft fees and started using the “Saved” money to cover those fees so I never really saw it until I inspected my account further. I talked to several members of the Digit team who will not assist with refunding over $100 in overdraft fees and the money used to cover it. Each of them refuse to reimburse the money back before closing the account. Save your time and your phone storage by NOT INSTALLING DIGIT!!!
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Second chance?
I’ve been a formal member on this app. Saving little by little, saving big amounts for my own savings. unfortunately, it’s very hard to know if it’s been transferred or not, also taking money even if you’re under. I’m under more than I saved making me lose money. I have to withdraw all my cash out of the app and it still couldn’t cover my debt. I’m not saying it’s an terrible app yet they could’ve just let the member know “clearly” that it finally went though or let them know that it’s still pending before they purchase anything. Nonetheless, it just takes forever to put and withdraw money on this app, easily making you go under.
Updated: I still believe this is not a terrible app to save money, I just assumed everything will be instance. To any newcomers on this app, make sure you Always check if you’re money finally makes it to digit BEFORE you purchase anything pricy, and don’t be afraid to only add little by little, the key to saving money is not just putting large amounts into it, but to keep putting anything little constantly- which actually, Digit does that for you. No problems so far. I’m giving this app a second chance :)
Updated: I still believe this is not a terrible app to save money, I just assumed everything will be instance. To any newcomers on this app, make sure you Always check if you’re money finally makes it to digit BEFORE you purchase anything pricy, and don’t be afraid to only add little by little, the key to saving money is not just putting large amounts into it, but to keep putting anything little constantly- which actually, Digit does that for you. No problems so far. I’m giving this app a second chance :)
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Horrible experience
I recently downloaded this app , and thought that it would be great to save for a future car. The app itself is difficult as hell one minute they want you to set a minimum so you won’t overdraft! OVERDRAFT IS THE WORD! This app is totally insane I saved 89 dollars for my first save on my car right? But then the updates or completely slow. It’s takes very long for my information to be updated......So this is what made me unlink my bank. So everytime I spend out my my account, it takes about three days just for it to update with them so when I saved that 89 dollars I first thought I overdraft my self because me spending out my account didn’t update with them yet so I’m like they don’t know what I have in my bank yet . But all along, they make there app look so slow so they can take your money. For example.... say your last update with them say you had 50 dollars in your checking, then you spend 10 and put the rest in your savings with them, that don’t update with them until a couple days later so they a say o well you don’t have enough money in rainy day to save.......MORAL Of the story is my account is currently 58 dollars overdraft because when I requested my savings back they charged me 2 return fees for my own money back so I’m getting my bank and the police involved cause they refuse to take it off my account.....this app needs to be shut down
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Love it!
I love this app, it’s saved me over 5K without me even having to break the bank. Yes they have a monthly fee, but you save a lot more and they give you every 90 days 1% of what you saved. So it’s almost like you’re making your fee back. But, the one thing I don’t like is the algorithm they have for saving money. I had $800 in my actual account where they take it out from, the entire time I had this app (Jan 1st) they haven’t taken out more than $5 each time for all three accounts I have, so more than $15 a day. That’s fine, it’s usually never more than that. But today, for some odd reason, they took out $24 for two accounts and $18 for one. LIKE JESUS! I had my car payment go through and some others that haven’t been taken out of my account but I thought it was fine since they have never taken that much out of my account. For now on when I have my car payment and anything else that is a large payment I’m going to have to suspend the savings for a couple days till they can take my payments out, or just manually take out the savings. It was freaking crazy to see that be saved. And I can’t put it back into my account since I get paid on Friday and it takes multiple days to even get the money when you withdraw it. So watch out on that y’all. I was shocked!
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Liars
Ok so I downloaded this app yesterday and was trying to budget money for my college debt. You have to link your bank account with this app but I thought it just did simple analysis like mint does to suggest how much to save. This app did not have a pop up window or agreement when I was budgeting so I was unaware that it would actually take money out of my account. I was over drafted an insane amount of money. I contacted my bank and they told me to first contact digt. So I emailed them saying this was obviously a mistake because no sane person would overdraft that amount of money. They said it was against their policy to do so and there was nothing I could do. There is but they of course didn’t mention it. They use ACH instead of a debit or wire charge. You can call your bank within a day or two of the charge and block it. Be careful though because these companies will change their name slightly and charge you again. When I told them I knew about this they suddenly were telling me to contact them ASAP and not contact my bank to discuss “options”. So basically when I told them I knew the loophole to the system did they try to help me. I blocked it anyway and closed my account. I don’t expect them to tel customers about ACH charges but why not mention those options in the first place. Your company only mentioned them under threat of bank interference.
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It’s a good app but it does have some flaws
From what I have gathered from this app for using it a couple weeks it is a good idea. It sends you texts messages telling you your balance, you can set several goals for yourself even by a certain date, withdraw anytime and you don’t even have to go the app for your bank account to see if you’re low or not.
However this is what I DON’T like. If you have several goals it takes a couple cents out which I get, have some money in it to start your goal. However from my eyes it takes a couple cents out every couple of days which I don’t like. I also see that is a recurring review when it comes to this app. Another point, I have a college fund goal, I just recently got half the money I needed my plan was to put that half in the app (which I still will). I put all the money in my bank account. I thought maybe I could right away put it into the app, NOPE. I have to wait till the bank opens in the morning to do it. Now I don’t have a problem waiting in the morning to do that but I think I should be allowed to do it right away.
So that is why I am giving it 3 stars, some things have to be fixed but I will still be using the app.
However this is what I DON’T like. If you have several goals it takes a couple cents out which I get, have some money in it to start your goal. However from my eyes it takes a couple cents out every couple of days which I don’t like. I also see that is a recurring review when it comes to this app. Another point, I have a college fund goal, I just recently got half the money I needed my plan was to put that half in the app (which I still will). I put all the money in my bank account. I thought maybe I could right away put it into the app, NOPE. I have to wait till the bank opens in the morning to do it. Now I don’t have a problem waiting in the morning to do that but I think I should be allowed to do it right away.
So that is why I am giving it 3 stars, some things have to be fixed but I will still be using the app.
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I LOVE DIGIT
I downloaded digit a couple of months ago, and not only did it help me save money but also helped me keep track of my spending. It texts you every morning with a clever greeting, followed by your checking account balance and how much you spent the day before. It really puts into perspective how much you truly spend every day, which personally made me realize how much of that was unnecessary. I’ve been much more frugal and responsible with my funds thanks to digit.
However, I do have one complaint. When you finally decide to withdraw your savings from digit, it takes FOREVER for it to go back into your checking account. For example, I tried to withdraw money on Thursday, it is now Saturday afternoon and it is still pending. I have no access to that money. I understand that banks are closed today, but digit was able to take money from my checking account yesterday (Friday) to add to my digit savings, so why couldn’t they have completed that transfer? It’s upsetting because I use this money sometimes to get me through between paychecks, and to not be able to access it when I need it feels like someone else is in control of my money.
Other than that, GREAT APP! With some more work it will be awesome.
However, I do have one complaint. When you finally decide to withdraw your savings from digit, it takes FOREVER for it to go back into your checking account. For example, I tried to withdraw money on Thursday, it is now Saturday afternoon and it is still pending. I have no access to that money. I understand that banks are closed today, but digit was able to take money from my checking account yesterday (Friday) to add to my digit savings, so why couldn’t they have completed that transfer? It’s upsetting because I use this money sometimes to get me through between paychecks, and to not be able to access it when I need it feels like someone else is in control of my money.
Other than that, GREAT APP! With some more work it will be awesome.
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