Digit FAQs

Digit now offers the ability to have your withdrawals back to checking post within minutes!

To elect for your withdrawal to be instant, go through the normal withdrawal steps. Digit will give you the choice between paying $.99 to have the transfer post within minutes, or to withdraw the funds the traditional way for free and have them post to checkingas normal.

You will see the .99 debit post to checking the next business day.

The withdrawal should post to checking and be listed as from Digit.co, or with "instant transfer" or "real time transfer" somewhere in the deposit description.

*Please note, depending on who you bank with as well as certain settings on your checking account, instant withdrawal may not be available for your account at this time.

If you're not seeing the answer you're looking for here in our Help Center and you need a hand with your Digit account, our team of Support Heroes are absolutely happy to help!

The best way to reach us is either through submitting a help request at digit.co/help, or directly via email at [email protected]. Due to the size of our support team in relation to the amount of inbound we receive, we do not publish our phone number publicly but are always happy to pass along our support number at your request.

Our team strives to respond to all inquiries within 48 hours, but be advised that this is dependent on our ticket volume.Our business hours are Monday - Friday, 9am - 5pm PST with limited support available weekends and holidays.

Our Help Center and FAQ are always available for you as well.

We look forward to hearing from you!

If you've forgotten your password, please use this link: https://digit.co/recover

You may reset your password either via the email or the mobile number associated with your Digit account.

If you'd like to change your current password, please use this link: https://digit.co/settings

You do not need to update your contact info, simply enter a new password and click 'Save'.

While Digit does do its best to predict when and when not to save, no one knows what comfortable for you better than you. When setting a Safe Saving Level, Digit will continue to save for you as long as your checking account is above the amount you set.

We recommend setting the Safe Saving Level to at least $100. Setting Safe Saving Level any lower may not be as effective in providing a safe buffer, since Digit receives your updated bank balance at different times.

Setting up Safe Saving Level

Digit will give you the option of setting a Safe Saving Level when first getting started. You can always change the amount later by:

1) Tapping on your connected checking account in the Digit app

here

2) Tap Settings to see a menu slide up, and then tap Safe Saving Level

3) You'll then be brought to where you can enter a new Safe Saving Level

You can also login at Digit.co, and change your Safe Saving Level by heading .

At this time it's not possible to combine savings goals, or send funds from one goal to another, but this is something we are definitely exploring and hope to have available down the road!

For now, you can always withdraw from or close certain goals and manually add those funds to other goals from your checking account if you'd like.

Digit originally started off as a chatbot you could use via text, and now you can still chat with the Digit bot within the app! Just click the speech bubble in the upper right corner to issue simple commands.

Digit Savings Account Commands:

Savings -View a complete breakdown of all your savings within Digit. This will show your Rainy Day Fund, as well as any Goals or Bills that you're saving towards. Tap into a fund in the app to see a breakdown of that specific fund.

Save - Move money into your Rainy Day Fund. You can also say things like "Save 10" to save $10 to your Digit account. When within the 'Save' conversation, before you confirm the transfer, you can text 'Cancel' to change your mind.

Withdraw - Make a withdrawal from your Rainy Day Fund. You can text "W" as well. You can also include an amount such as "Withdraw 10" to withdraw $10 from your Digit account. When within the 'Withdraw' conversation, before you confirm the transfer, you can text 'Cancel' to change your mind.

Today - See what Digit's savings activity for the current day is.

Refer - Retrieve a special referral code from Digit that earns you $5 per friend who signs up for Digit

Digit Goals Commands:

New Goal -This will allow you to create a unique savings goal within Digit. Learn more about Goals

Change Goal - You can change the amount or completion date of an existing goal.

Withdraw Goal - Withdrawfrom your active Goal that you're saving towards.

Cancel Goal - You can cancel an existing goal and automatically transfer any funds saved towards the goal back to your checking account.

Digit Savings Account Control:

Pause - Pause Digit's all of Digit's automatic savings. You can also add a number like "Pause 5" to pause Digit's saving for 5 days. Digit will notify you the day before savings resume just in case you need to pause again. This will pause all Digit savings for all goals and funds.

Unpause / Resume - If you are paused, this will resume savings the next day for you.

Checking Account Commands:

Checking- View your checking balance.

Recent - View your recent checking transactions. You can text "R" as well. You can also add a number like "Recent 5" for your last 5 checking transactions.

More - You can text this after using "Recent" to see either more times that Digit saved for you or more recent transactions. If you used a number like "Recent 5" and text "More" you will receive 5 more transactions.

Account Settings Commands:

Notifications - Adjust balance update frequency.

Timezone - This will allow you to select your timezone. Digit updates will be sent at 9am in your local timezone.

Nickname - Change how Digit addresses you.

Miscellaneous Commands:

Commands - Quick reference for common commands.

Help - Access the Digit Help Center and Digit Support contact.

Stop / Start - If you want to stop / start messages from Digit.

Vcard - If you'd like a friendly Digit contact card for your phone's address book.

Please note that these messages are not monitored by a real person. The number that Digit texts you from is specific to your account and is not a working line that accepts calls. You can reach out to a Digit Support Hero (a real person) through the steps here.

Welcome to effortless financial health! Here are just some of the features your new Digit account has to offer, along with how we'll help achieve your financial goals together.

Potential Yearly Savings

How much and when Digit saves is based on the information it receives from your bank. More details on what Digit reads to determine savings can be found here.

The potential yearly savings that Digit tells you when getting started is based on the checking balance your bank sends us when you first link your bank account to Digit.

Where Are My Digit Savings (Money) Held?

Safe Saving Level

Digit will save for you as long your checking account is above the amount you set. Learn more.

We usually recommend setting this to at least $100. Lower amounts (i.e. $10) are generally not effective as your checking balance can fluctuate quickly as you spend, and charges to your checking account may not post right away.

Overdraft Prevention

Keep your bank account balance comfortable by using your savings when it might get a bit low. When you set up Overdraft Prevention, Digit will move money back to your checking account when it goes below the amount you set. Learn more here.

#Goals

What do you need to save for? What do you want to save for? Whether it's for car repairs or a dream vacation, Digit can help you safely set aside funds! Head here to learn about how goals work and to get started.

Bills, Bills, Bills

Digit can also help chip away at expenses by sending your savings directly to your billers. You can create goals for your student loan debt, credit card debt, and monthly phone bill, and Digit will save towards them and send those funds to your biller directly.

Want To Learn More About How Digit Works? Give These A Try:

Why do you need my bank login info?

What is an autosave?

How does Digit work?

What is the phone bill goal?

In addition to saving for a Rainy Day, your personal goals, and credit card or student loan debt, Digit can now save towards and directly pay your monthly phone bill!

Head here

After creating a goal for your phone bill, Digit will connect with your mobile carrier and start saving, with the intention of reaching your bill's total amount every month.

If the entire amount has been saved, it will be sent directly to your service provider to pay your bill.

If Digit didn't find safe opportunities to save the whole amount, anything saved in your goal will be automatically sent to your biller, and Digit will send a text reminder that the remainder of your bill is due.

Setting up

The first step in setting up your phone bill goal is verifying your identity with our banking partner who will be handling payments by entering in some background info, such as your birthdate, social security number and address. If you're already using either the student loan or credit card debt goals, you won't need to complete this step again, since you're already verified in our banking partner's system.

Next, you'll supply the info we need to get connected with your wireless carrier account for payments. if you're not sure how to locate your account number.

Once you confirm (click "I Understand"), your goal is now fully set up! Digit will start to look for opportunities to save for your bill and will send payment directly to your biller ahead of the due date. If your due date is less than 15 days from the date your goal is created, Digit will start to save for the next month's bill after your upcoming due date passes.

Yes you can!

You can set a Maximum Daily Save limit per individual goal that you have set up. This will keep Digit from saving more than the amount you specify for that particular goal in each day's savings calculation.

To set up a Maximum Daily Save limit:

1) Open the app

2) Tap into the goal you'd like to set a limit for. This can be a personal goal you've set up, or your student loan or credit card goals that Digit sends payments from.

3) Tap 'Settings' in the upper-righthand corner of your goal screen

4) Select "Maximum Daily Save Amount"

5) Enter the amount you do not want Digit to save above for that particular goal and tap "Save"

To remove your currently set Maximum Daily Save amount:

Repeat steps 1 through 4, you will see an option to now turn this amount off.

If you're seeing an unusually high debit from Digit.co in your checking activity and have recently set up a connection to pay off debt with your Digit goals, you are more than likely seeing the anti-money laundering transfer process.

When your debt goal is first connected to your biller, our banking partner first requires your entire goal balance to be returned to checking, and then debited again, as a means of preventing money-laundering but still keeping up your savings momentum, since funds are going to be moved to somewhere other than your checking account and Digit account.

After this process is completed, Digit is cleared to start sending payments from your goal!

After the end of your 30-day free trial, a Digit subscription is $5 per month, billed directly from your connected checking account.The subscription begins automatically unless the Digit account is closed before the end of the trial period. We'll send you a reminder ahead of time via email.

Here’s what is included in a Digit subscription today:

Automated Saving -Digit analyzes your spending and saves the perfect amount when able. Our average customer saves $2,200 per year.

Unlimited Goals - Save for a vacation, an emergency fund, or anything you can think of. Set as many goals as you'd like and Digit will get to work!On average, customers are saving towards 3 different goals at once.

Automated Debt Payments - Digit will save for and automatically pay down your credit card debt.The average customer pays down $1,000 of credit card debt per year using our automated debt goals.

Overdraft Prevention - Digit sends money to your checking if your balance dips below a certain amount, helping avoid on average two overdraft fees a year.

1\% Savings Bonus - Digit automatically rewards you 15x more than most bank savings accounts.

Unlimited Withdrawals - There's no limit to how many times you can pull from Digit, and you can upgrade to instant when you need it.

Overdraft Reimbursement - The fee is on us if Digit saves too much.

No Account Minimums - You can leave as little or as much as you want in Digit.

To view the date that payment will be debited each month, just message the word "Subscription" to Digit through the app chat window, or to the number you receive your daily checking updates from. Your past receipts are right here..

If you're a customer that signed up or started a free trial before July 23rd, 2019, the cost of your subscription won't budge. You'll keep getting everything we have to offer for $2.99 per month.

Since our system operates on both mobile as well as web, just deleting the Digit app does not fully close your account.

Similarly, since our subscription is handled through our own billing service, you won't see Digit listed when checking your app store subscriptions.

If you'd like to close your account with Digit, we'd certainly be sad to see you go, but you can do that by heading to this link https://digit.co/manage-account and following the flow there - anything saved will then head back to your checking account.

If you're running into any trouble closing your account, definitely reach out to us so we can lend a hand!

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Why did Digit save after I closed my account?

How do I close my account?

What happens after I close my account?

How do I contact Digit regarding my account?

The balance is being reported the same every day (doesn't change)

If this is happening, there may be an issue with the connection between your checking account and our data provider. Please Pause saving (so Digit isn't saving off of an incorrect balance), and reach out to us so we can investigate and let our data provider know!

When will I see an updated balance again?

Unfortunately, we can't give a specific time frame on when the balance may update again. You should see your checking balance update and be reported correctly once our data provider fixes the issue with the connection.

The balance is slow to update (but does update eventually)

The only fix is time. Our data provider reads your checking info and sends it to us at different times, and doesn't update in realtime like your banking app does. Depending on your bank, this could be twice a day, or even every two to three days.

Digit cannot manually go in and update your checking balance to be up-to-date, unfortunately. However, there are several features you can set up to ensure that Digit is still saving for you comfortably even if the checking balance we're receiving is not fresh:

Overdraft Prevention

Safe Saving Level

Max Daily Save

To see when our data provider is grabbing that info from your checking account and sending it to us, you can click on the card that displays your checking account info in the Digit app:

Reach out to us

The balance is correct but is the balance for a different bank account (i.e. your savings or business account - not the one you would like connected to save from)

, and let us know:

The last four numbers of the checking account that is supposed to be reported

Any special names/nicknames that your checking account may have (Bill's checking, Everyday checking, etc.)

The Boost feature allows you to prioritize goals so that more funds are added to them when Digit saves.

For example, if you had 3 active goals and Digit thought it could safely save $6 that day, each goal would get $2 allocated towards it. However, if you boosted one of those goals, you may see that the two non-boosted goals might get $1.50 each, and the boosted goal would get $3 added to it. It's still the same amount saved on a given day, with your selected goals getting priority.

If you have an end date set on your goal, you won't be able to Boost it, since the rate it's saving is already being controlled by that date.

To enable Boost:

1) Open the app and tap into the goal you'd like to boost

2) In your goal, tap Settings to bring up a menu. Then, choose Boost.

You'll see a lightening bold next to all of the goals that you have Boosted.

To disable Boost:

Repeat steps 1 & 2 above, then tap "Turn Boost Off"

Digit uses a data provider to link your checking to your Digit account, where it then receives the info needed to save.

You can think of Plaid as a telephone, and your checking account and Digit are two people calling each other. Every day, Digit calls your checking account and asks for an update. If the phone line isn't working (or if your checking account isn't picking up the phone), Digit isn't able to get in touch to save.

If you just got started and you received an error when trying to link your checking account with Digit,give it some time and try again later. Fortunately, a lot of the problems that cause trouble with linking up fix themselves in time.

If you've tried multiple times on different days and are still unable to get your checking account and Digit connected, please get in touch with details and we'd be happy to help you out! Providing as much detail as possible helps us and Plaid investigate what you may be running into, as well as finding a fix for you faster!

Some tips to help you connect:

Double check your online banking log-in requirements with your bank (username, password, pin, etc.)

Enter in your credentials manually rather than using autofill or a password manager

Log-in to your online banking account via your bank's website (not mobile app) to ensure your account is set up for use with third party services.

Try connecting via web rather than mobile. You can do this when logging in at Digit.co

Yes! As long as the checking account you have connected to Digit is the one you use to pay your credit cards, Digit will still be very effective at saving.

Albeit it won't be able to see your spending on as granular a basis as if everything was through a debit card, which just means it won't be able to blend the Digit savings transfers into your transactionstream as well.

several levels of security

In order to save for you, Digit needs to receive information from your bank on your balance and expenses. To do that, we link with your checking account by using the same info that you would use to sign in to your online banking either on your bank's website or through their mobile app.

We use a trusted and industry-standard data provider to handle connections between checking accounts and billers for expense payments. Additionally, we practice to ensure that your data, and money, is always safe with us.

Welcome to effortless money management!

Digit checks to see when it is safe to save for you and moves money from your checking account to your Digit account if you can afford it. Easily withdraw your money at any time.

There are a few factors that influence Digit's savings algorithm:

Checking account balance

Upcoming income (paychecks or predicted irregular income)

Upcoming bills

Recent spending

Any savings controls that you set ( Overdraft Prevention, Safe Saving Level )

Every day that your bank is open, Digit uses these inputs to try and find amounts that you can spare and puts that money into your different savings goals.

The funds in your Digit Account are held at FDIC insured banks for your benefit and are insured up to a balance of $250,000.

Related Articles:

Getting Started With Digit

What Commands Can I Use With Digit?

If the credit card you have connected to Digit to help with paying off has been canceled or paid off, you can remove that card and add another, if you'd like, by following the steps here.

If you see a payment has already been sent to a canceled/paid off card, or the payment exceeds what you actually owe, then the funds/difference will be rejected and returned to your Digit credit card goal balance. Depending on how your card issuer handles those situations, this can take between 1-5 business days.

We're sorry to see you go

You can safely close your account out here: https://digit.co/manage-account

During the cancellation process, any remaining funds in your Digit account will automatically be transferred back to your originating checking account next business day.

In the unlikely event there is any trouble transferring your remainingfunds, we retainyourcontactinformation for up to 90 daysin case we need to get in touch with you. During that time period, if you decide to give Digit another try, you can log back in to reactivate your account.

Please Note: For security purposes, the Digit team will not close your account on your behalf. You must close your account directly at https://digit.co/manage-account

If you're having trouble remembering your login, you can reset your password at https://digit.co/recover

Much like if you deleted your bank's mobile app, this would not close your checking account. Deleting the Digit app does not close your account or pause savings activity.

Thanks so much for giving us a shot, we hope to earn the privilege to help you save again down the road!

Related articles:

What do I do if I accidentally closed my account?

Why did Digit save after I closed my account?

What happens after I close my account?

How do I contact Digit regarding my account?

The Pause setting only keeps Digit from creating new saves for you - while paused your account is still active, meaning the monthly subscription fee will still be applied.

If you would like to avoid being charged the monthly subscription cost for using the service, you can either disconnect your checking account from Digit (keeps your Digit account open if you'd like to reconnect later), or close your Digit account entirely.

You can sign in and access your Digit account settings (and funds!) through both the Digit App or through web at Digit.co. Your username will be either your mobile number or email address that you entered at signup (the two are interchangeable!).

What does “This email may already be in use” or “ This mobile number may already be in use” mean?

This means you already have a Digit account with this email address/mobile number and should try logging in instead using either as your username. If you see this message when trying to log-in, you may have accidentally clicked "Sign up" instead of "Log in."If you've forgotten what email address you used to create your Digit account, you can log in at https://digit.co/signin using themobile phone number you signed up with.

If you closed your account within the last 90 days, you can reactivate your account by logging in and following the required steps.

How do I reset my password?

You can choose to have a code to reset your password sent through either text or email right here.

I need to make a withdrawal and I can't log-in, help!

Not to worry! You can still initiate a withdrawal my messaging the word "Withdraw" to the number Digit texts your morning checking updates from. Afterwards, reach out to us so we can lend a hand with getting you signed in!

Can I use a Google Voice number with Digit?

Yep! You sure can. Just enter this as your regular mobile number during signup or at https://digit.co/settings.

Please note, you must have a US-based number in order to create a Google Voice number.

If you want to log out of your Digit account, follow the steps here.

You can see that error banner for a number of reasons, including when Digit has detected that your checking account may be closed and after too many unsuccessful log-in attempts.

If you ever run into this message, please reach out to our Support Team so we can take a look at what is causing that and clear the error!

If you're new to Digit (welcome!), your shiny new Digit account will activate and start saving for you automatically once Digit finishes analyzing your checking account. There is no action needed from you to "turn on" auto-savings!

Keep in mind, Digit looks for optimal times to save for you based on your unique financial situation, so it may take a few days before you see your first auto-savings transfer, but hopefully you'll be up and savingshortly.

Digit will save for you automatically any time it sees a safe time to do so, based on your checking balance, upcoming expenses, and patterns in spending habits.

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What if Digit isn't currently saving for me?

To withdraw from or add funds to your credit card goal, just click into the first banner that shows your goal's balance.

Then, click either the "Add Money" or "Withdraw" button.

Depending on if your bank supports it, Digit does offer Instant Withdrawals back to your checking account for an additional .99.

The chart below provides estimates for when funds should arrive in checking using the free standard method based on when the withdrawal was created. Banks are closed on federal holidays, so withdrawals created these days are delayed by one day.

Chase and Wells Fargo users should use the second chart.

Estimates are in Pacific Standard Time, and arrival times may be different based on when your bank typically posts deposits.

Transfer Created On

Before 4pm PST Arrives

After 4pm PST Arrives

Monday

Tuesday Morning

WednesdayMorning

Tuesday

WednesdayMorning

ThursdayMorning

Wednesday

ThursdayMorning

FridayMorning

Thursday

Friday Morning

MondayMorning

Friday

MondayMorning

TuesdayMorning

Saturday

TuesdayMorning

TuesdayMorning

Sunday

TuesdayMorning

TuesdayMorning

For Chase and WellsFargo accounts:

Transfer Created On

Before 4pm PST Arrives

After 4pm PST Arrives

Monday

End of Day Monday (12am)

End of Day Tuesday(12am)

Tuesday

End of Day Tuesday(12am)

End of Day Wednesday(12am)

Wednesday

End of Day Wednesday(12am)

End of Day Thursday(12am)

Thursday

End of Day Thursday(12am)

End of Day Friday(12am)

Friday

End of Day Friday(12am)

End of Day Monday(12am)

Saturday

End of Day Monday(12am)

End of Day Monday(12am)

Sunday

End of Day Monday(12am)

End of Day Monday(12am)

*Since goals connected for payments (credit cards, student loans, etc.) operate on a different system than personal goals and the Rainy Day Fund, withdrawals from your expense goalswill not qualify for same-day posting and arrive in checking the next business day.

Federal Holidays

New Year's Day

Labor Day

MLK Jr. Day

Columbus Day

Presidents Day

Veterans Day

Memorial Day

Thanksgiving

Independence Day

Christmas Day

Digit uses electronic transfers to move money between your Digit account and your checking account. Withdrawals of any available funds made before 4PM PST typically settle back to your checking account by the end of the next business day, but sometimes sooner depending on your bank. In extremely rare cases, transfers can take up to two business days to completely process.

Deleting the credit card goal will remove the card on file and send any funds in the goal back to your checking account. This will also stop your credit card debt reduction subscription. You can re-enable this feature at any time!

Removing credit card debt reduction via the Digit app:

1) Open the app and tap your credit card goal

2) Tap “Settings”

3) Tap “Delete” and confirm

4) The goal will be closed, similar to a normal goal, and anything saved towards it will be transferred back to your connected checking account.

If you have any saves that are pending at the time you cancel that Credit Card goal, those saves will first have to post to Digit but will then be automatically returned to checking.

Removing credit card debt reduction via the Digit.co website:

1) Log in to your account and click on your credit card goal

2) Select “Options" in the upper right corner

3) Select “Delete” and confirm

4) The goal will be closed, similar to a normal goal, and anything saved towards it will be transferred back to your connected checking account.

If it is safe to, yes! Once your goal is fully set up, Digit will start to set aside aggressive yet safe amounts each day with the target of saving the full amount that you input, by the day of the month that you selected - Digit will not save your entire bill's amount at once to ensure that you're not put in any tight spots.

safe opportunities

If Digit can't save your bill amount by the due date

In the event that Digit isn't able to find to save your entire due amount in time, it will still ensure that you are able to pay your bill by the deadline. Anything saved in your phone bill goal will automatically be sent to your biller, and Digit will send you a text reminding you that the rest of your bill is due.

If the checking account Digit has been saving from has closed or you are planning on closing it, you can remove it from your Digit account by following the steps here or heading to this link: https://digit.co/disconnect-checking-account

Any time a checking account is removed from Digit, your entire saved balance (including any pending saves) is automatically returned to you. In the event the account Digit has been saving from is now closed, you can choose to have your balance returned to you through a check.

When at this page, select "No" to be taken to where you can confirm the address that a check will be sent to. When a request for a check has been successfully submitted, you'll get a confirmation email from Digit letting you know that your check is on the way and to what address.

Sorry to hear that!

If Digit is experiencing connection issues with your bank, don't worry: you can still access your saved balance and withdraw as usual if need be!

More than likely, Digit has detected something is off and has directed you to head to Digit.co/fix to reconnect. Following the flow there should help you get back on track, but if you are hitting any error messages or notice anything off definitely get in touch with us so we can help troubleshoot!

Some tips to help you reconnect:

Double check your online banking log-in requirements with your bank (username, password, pin, etc.)

Enter in your credentials manually rather than using autofill or a password manager

Log-in to your online banking account via your bank's website (not mobile app) to ensure your account is set up for use with third party services.

Double check to see if the security measures that you are prompted with at Digit.co/fix are the same as what you have set up with your online banking.

Resetting the connection with your checking account entirely may help. To do that, head here to disconnect your checking account from Digit, and then re-add it when prompted.Please note that this will send your saved balance back to your checking account within the next business day, but you can return that to Digit once reconnected.

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I'm having trouble connecting my bank

What happens if the checking account I have connected to Digit needs to be closed / has been closed?

How to pause:

While Digit is great at learning when it's best to save for you, no one quite knows you like you. If you find that you need to pause Digit temporarily, it's easy to do.

1) Open the Digit app

2) Tap into any of the goals you have set up.

3) Tap Settingsin the upper-righthand corner of the goal to bring up the goal settings menu

4) Tap the "Pause Saving" button

5)You'll be taken to a form where you can enter the number of days you want to pause. The limit is currently 30-days at a time, but you can always extend that when Digit gives you the head's up that it's about to unpause.

Please note: This will pause all Digit savings (not just for the goal you tapped in to) until you unpause or the pause period runs out.

How to unpause:

When you're paused, Digit will show you how many days are left until saving resumes when you open the app. To unpause before that time, just tap Unpause Now.

When Digit receives information from your bank it is able to detect regularly recurring payments, such as rent, subscriptions, and credit card payments, so there currently isn't an option to manually tell Digit what bills you pay and when.

That said, we want you to have control over what you let Digit save so we do offer a few features to ensure that you are always reaching your financial goals comfortably:

Safe Saving Level

Overdraft Prevention

Max Daily Save

Pause Saving

At this time, it's not possible to set controls on the Rainy Day Fund or delete it completely like you would with a savings goal that you set up on your own.

If you'd rather concentrate on your personal goals and not save towards the Rainy Day Fund, you can set a daily savings limit of $0 for that fund by following the steps here.

When we first created Digit, we had one simple mission, to get folks saving. Lots of people have specific things they're saving for, but recent studies found that 61\% of Americans are unable to come up with enough funds to cover a $1,000 emergency.

Your Rainy Day Fund within Digit is for exactly that, a rainy day. Digit saves for this fund by default for every Digit user to help you build up an emergency fund or for life's little surprises.

Related articles:

How do I see how much Digit has saved for me?

How do I create, change, cancel, or access a savings goal?

Unfortunately, once a save or withdrawal is already confirmed the info is being sent to our banking partner for processing, and there is no way to cancel it. Closing a goal or your Digit account does not stop saves that are already confirmed and pending towards it.

While it's not possible to cancel a withdrawal back to checking, you can add the funds back to your Digit balance by saving the funds manually.

Related Articles

Why is my transfer listed as pending?

What happens after I delete a goal?

Why did Digit save after I deleted my goal?

Why did Digit save after I closed my account?

Not to fear! Your account is still open and active and your funds are still safe and sound - you just may have logged into a second Digit account, or created a new one by mistake.

To get back in to your main and active account, sign in with the mobile number you receive your daily checking updates from as your username.

You may need to first sign out of the duplicate account ( https://digit.co/sessions/signout)

Or, uninstall/reinstall the Digit app to get back to the Log in screen. At this screen, please be sure you are clicking "Sign in"/ "Log in" and not "Sign up."

If you're having trouble remembering the email or mobile number for your main account or think something else may be up, reach out to us so we can help!

One of the things that makes Digit differentis that we believein saving uniquely for you based on your currentfinancial situation. With that being said, Digit likely will think some times are saferto save for you than others. Your upcoming bills, paydays, average spending and more all factor into these decisions.

If Digit has decided to not save for you on a given day, it will let you know why when logging into the Digit app.

digit.co/help

If you haven't seen any savings come together for 2 weeks, please reach out to us at and our team will be more than happy to dig into your account to make sure everything is working as expected.

If you'd like, you can set Digit to automatically transfer your accrued savings from any goal back to your checking account automatically on a monthly recurring basis.

To set this feature up:

1) Open the Digit app and tap into the Goal you'd like to enable auto-withdrawals from

2) Tap 'Settings' in the upper-righthand corner to reveal settings for this goal

3) Tap "Auto Withdraw"

4) Choose the day of the month you'd like your automatic withdrawals to take place on

5) Note when Digit will process your next automatic withdrawal

To edit or turn off automatic withdrawals

Repeat steps 1 through 3 above

To edit, select a new day of the month and click save.

To disable this feature, select "Turn Off".

If Digit is reporting that your transfer either into or out of Digit is currently pending, that is because the funds are in the process of being completely settled with your bank.

While the fundsare in the pending state, they cannot be accessed or adjusted.

Please note, when manually adding funds to your Digit account, these funds can take up to 3 business days to fully reconcile from your bank before they become available for withdrawal again.

A pending savings transfer into Digit unfortunately can not be altered until the funds have cleared completely and become available for withdrawal.

After you close your account with Digit, any remaining funds will be automatically transferred back to your checking account electronically unless your checking account is closed. Electronic transfers will arrive next business day.

If you have pending saves when you close those will be returned also as soon as the saves move from pending to posted. If you close your account on a Friday, Saturday, or Sunday, you may see debits from Digit the following Monday, since saves are debited a business day after they are created and queued up.

We will confirm this information during the cancellation process and send you a follow-up confirmation email as well.

In extremely rare cases, banking transfers can be returned by your bank for up to 90 days after initiated (for example if your checking account were frozen by your bank and they were unable to accept the transfer we sent them).

In the event that we need to contact you in order to ensure that allremaining funds are returned, we do not archive your account contact information completely for approximately 90 days after you've closed your account in case we need to reach out to you to help get your funds to you.

In the meantime, the connection with your bank has been severed and no further savings transfers will be pulled from your account.

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Saving with Digit rewards you with a 1\% annual Savings Bonus, paid every 3 months. Your bonus amount is calculated from the average daily balance in your Digit account over the previous 3 months including Rainy Day savings and money accrued toward goals or bills.

Because the Savings Bonus is 1\% annually, paid out quarterly, the amount you receive each time is 0.25\%. For example, if your average daily balance over the past 3 months was $4,000 then your Savings Bonus for that period will be: $4,000 x (1\% 4) = $10.

To check on your next bonus, just open the Digit app. Then, scroll down to the Rewards section to see a countdown of when your next bonus will be paid out.

Digit Rewards Terms and Conditions

Tapping on the Savings Bonus button will also show you all your past bonuses, and a total of all you've earned so far.

Please note:

If this feature conflicts with any of your religious practices, please feel free to contact us and we'd be happy to disable these bonuses for you.

Only accounts that have been active for the entire 3-month period are eligible to receive a Savings Bonus. And every Savings Bonus is subject to.

Payments made to connected credit cards from your Digit goal can take between 3-5 business days to post or more in very rare cases.

If your payment date falls on a Friday, Saturday, or Sunday, please note that it may be delayed in posting due to the weekend.

Depending on your biller, payments may not show Digit anywhere in the description when looking at your payment history - sometimes, these transfers will display as something like "Electronic Payment."

If you don't see the payment Digit sent within 5 business days, please reach out to us so we can lend a hand!

1) Open the Digit app, and tap into your credit card goal

2) Tap Settings in the upper-righthand corner

3) Tap "Manage Payments"

4) On the next screen, tap Disconnect Card

5) Confirm, and you'll be brought back to your credit card goal screen.

6) Tap the Connect a card button to input your new card info

Supplemental payments from your Digit goal can take between 3-5 business days, and in very rare cases more.

If your payment date falls on a Friday, Saturday, or Sunday, please note that it may be delayed in posting due to the weekend.

We've also seen some cases where payments don't show Digit anywhere in the description when looking at your payment history - sometimes, these transfers will display as something like "Electronic Payment."

If you don't see the payment Digit sent within 5 business days, please reach out to us so we can lend a hand!

What institutions Digit is able to connect with is dependent on what our data provider has support built out for in their system. Thousands of banks, credit unions, and other financial services are on their platform, with more being added constantly.

Please note that a personal checking account with a bank is required to use Digit at this time, so even if you are able to find your service in our data provider's list, Digit may still not be able to connect if it is not a supported account. Some examples of services we aren't able to support are PayPal, Green Dot, and NetSpend.

If you don't see your institution listed when trying to link up with Digit, please fill out this form.

Absolutely not!

There is no minimum balance requirement to use Digit. You're free to withdraw from your Digit account anytime as many times as you want.

Similar to the credit card feature, our banking partner first requires some additional information to verify your identity before payments can be submitted. Usually this process is pretty quick, but sometimes certain factors, like incomplete/insufficient data/documents or typos, can cause that verification process to take a bit longer.

If you're already enrolled in the credit card or student loan feature and Digit has been making payments for you from your goal, you may not have to submit this information again to connect with your Phone Bill servicer.

If you encounter the message above, we'll more than likely be in touch with specifics on what other info our banking partner needs from you. Otherwise, we may not be able to link your Phone Bill if there is an error with verifying your identity.

You can add additional funds to your goal, or withdraw some saved funds back to checking, by clicking on the first card of your phone bill goal. This is the same card where your goal progress is shown.

On the next screen, you'll see a history of your saves and withdrawals to and from your goal. The Add Money and Withdraw buttons are at the bottom.

Soon! Right now, you can directly pay off your credit card debt, student loans, and phone bill using your Digit savings. More options for tackling debt and safely handling your expenses are on the horizon!

Digit can help you chip away at your credit card debt by sending your savings directly to your credit card biller for an extra bit in addition to your normal monthly payment.

During the month, Digit will save to a goal designated just for your credit card, and send the balance of your goal to your credit card on the date that you select.

To get started:

Open the Digit app, and you'll see a place to get started under your Rainy Day Fund and any other personal goals you may have set up.

2) Tap "Set up this Goal", answer a few questions, and you'll be able to connect the credit card of your choice.

3) Your goal will now be setup!

Easily withdraw back to checking what you've saved with Digit from your custom goals and expenses, or add more funds to them yourself for an extra boost, with just a few taps in the app!

Withdrawing from custom goals and your Rainy Day Fund

1) Open the Digit app

2) Tap into the goal you'd like to withdraw from or add funds to

3) Tap "Withdraw" or "Add Money" at the bottom

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4) Enter the amount that you want to add to your goal or have returned to your checking account and confirm.

It can take up to three business days for funds added to Digit to clear and be available to be withdrawn back to checking (even if you've already seen the funds leave your checking account!)

Funds withdrawn from Digit will arrive back to you within one business day.

Instant Withdrawals

Depending on if your bank supports it, you can also choose to have your withdrawal within minutes!

When clicking the Withdraw button, you'll have the choice of paying$.99to have the transfer post "in minutes," or to withdraw the funds the traditional way for free and have them post to checkingas normal.

The withdrawal should be listed as from Digit.co, or with "instant transfer" or "real-time transfer" somewhere in the deposit description in your checking activity.

You will see the .99 fee for the instant withdrawal charged from your connected checking account the next business day.

*Please note, depending on who you bank with as well as certain settings on your checking account, instant withdrawal may not be available for your account at this time.

Withdrawing from and adding money to expense goals (credit cards, student loans, etc.)

To withdraw from or add funds to the goals that Digit sends payments from:

1) Tap the first white box on your goal's main screen.

2) On the next screen, click either the "Add Money" or "Withdraw" button.

3) Go through the same flow of confirming an amount to add/withdraw. Please note that withdrawals and saves to expense goals operate on a different schedule than ones to personal goals or the Rainy Day Fund, so expect 1-2 business days added on to the standard processing time .