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Digit Checking account review

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Digit Checking
Finder score
$9.99 per month

Our verdict

This account divvies up your money where you need it, but it comes with a monthly fee.

Digit Checking is best for those looking for a spending account that helps you budget, save and invest. Use your Direct Checking alongside Oportun’s existing Savings and Investing accounts to more effectively manage your money.

You’ll get all the features of a traditional bank account with Oportun’s AI technology as an added perk to help you divvy up your income to pay your bills and invest for the future. It’s best for customers who want to take the guesswork out of budgeting and saving.

But you’ll have to pay $9.99 a month to use it. If you prefer a checking account that combines an optional savings account, consider Chime® Checking Account, which is free to use and automates your savings. But if you want a spend account that combines savings and investment options, consider opening a cash management account.

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How do I open a Digit Checking account?

Digit Checking is currently not available, but you can sign up for it’s waitlist on Oportun‘s site.


To sign up for a Digit Checking account, you’ll need to meet these requirements.

  • Minimum 18 years old
  • US citizen or legal resident
  • Have a US bank account

Required information

During the onboarding process, you’ll need to provide the following information:

  • Full name
  • Email address
  • Cell phone number
  • Online credentials for your bank account
  • Social Security number

What are the benefits of Oportun‘s checking account?

The Oportun Direct account is changing the way you bank with the following perks:

  • Budgeting. Digit Checking takes your deposits and automatically allocates them to pay your bills.
  • Saving. Set up savings goals and Oportun will help you reach them by moving a specific amount each day from your Digit Checking account to your Savings.
  • Investing. Oportun can also create a diversified portfolio of exchange-traded funds (ETFs), so you can prepare your money for the future and your long-term savings goals. Oportun can regularly pull cash from your checking account to fund your portfolio.
  • Overdraft protection. If a transaction dips below $0, Oportun will instantly transfer funds from your savings into your checking to prevent overdraft fees. Also, set up Overdraft Prevention to automatically move money to your bank account if it falls below a specific amount.
  • Get paid early. With Digit Checking and direct deposit, you can access your paycheck up to two days early.

What should I look out for?

Oportun Direct may not be all it’s cracked up to be with the following disadvantages:
  • Subscription. Oportun Direct includes a Digit Checking, Savings and Investing account at a monthly fee of $9.99 or pay $95 annually and save $24.88 per year.
  • Algorithmic savings. Oportun intelligently allocates funds and saves money for you based on an algorithm. But it’s not 100% foolproof. But if Oportun causes you to overdraw your account, it’ll reimburse you for up to two overdraft fees.
  • Not available yet. Although you can sign up for Oportun Savings and Investing, Digit Checking isn’t yet live.
  • Doesn’t earn interest. While Oportun offers a 0.10% annual savings bonus, you won’t earn any interest through your Oportun bank account.

Oportun‘s ATM network and fees

Although Oportun is a completely digital bank, it partners with a network of 55,000 surcharge-free ATMs through Allpoint’s ATM network. Out-of-network ATM transactions cost $2.50.

Compare Digit Checking with other checking accounts

1 - 5 of 25
Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
SoFi Checking and Savings
Finder Score: 4.5 / 5: ★★★★★
SoFi Checking and Savings
$0 per month
4.60% on balances of $0+
0.50% on balances of $0+
1.20% on balances of $0+
Get up to $300 cash bonus with qualifying direct deposit. Terms apply. This offer is available until December 31, 2024.
Upgrade Rewards Checking Plus
Finder Score: 4.3 / 5: ★★★★★
Upgrade Rewards Checking Plus
$0 per month
Cash Card by Cash App
Finder Score: 4.4 / 5: ★★★★★
Cash Card by Cash App
$0 per month
Step Black Card
Finder Score: 4.3 / 5: ★★★★★
Step Black Card
From $0 per month
5.00% on balances of $0 to $1,000,000
PNC Virtual Wallet with Performance Select
Finder Score: 3.4 / 5: ★★★★★
PNC Virtual Wallet with Performance Select
$25 per month
(can be waived)
Earn $400 when you open a new PNC Virtual Wallet with Performance Select and establish a direct deposit of at least $5,000+ to your Spend account in the first 60 days.

How do I deposit or withdraw my money?

Digit Checking offers several ways to fund your account and spend your cash:

Deposit options

  • Direct deposit
  • Mobile check deposit
  • ACH transfer

Withdrawal options

  • Debit card
  • Send checks from the Oportun app
  • Bill pay
  • ATM withdrawals

How to contact Oportun customer service?

Oportun plans on offering live phone support in the near future. But right now, the only way to contact customer service is by:
  • Submitting a help request on its website.
  • Emailing

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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