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finder.com’s rating: 3.0 / 5.0
★★★★★
Digit Checking is part of the Digit Direct trio, which gives you a checking, savings and investing account through its licensed partner bank, MetaBank. But what sets Digit Checking apart from traditional checking accounts is Digit’s algorithmic technology.Digit budgets, saves and invests your money for you, so you know what’s left is safe to spend. But unlike some other bank accounts, a Digit Checking account will cost you $9.99 a month and your funds won’t earn any interest.
$9.99 per month
Fee
APY | N/A |
---|---|
Fee | $9.99 per month |
ATMs | No access to ATMs |
Out-of-network ATM fee | $2.50 |
Review by
Kimberly Ellis is a personal finance writer at Finder. She hails from New York City with a BA from Queens College and a New York State teaching certificate. After teaching in both public and private schools, Kimberly decided to take the world by storm and dive into the media industry — where she covers everything from home loans and investing to K–12 education and shopping. She’s also an aspiring polyglot, always in a book and forever on the hunt for the perfect classic red lipstick.
You’ll get all the features of a traditional bank account with Digit’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.
To sign up for a Digit Checking account, you’ll need to meet these requirements.
During the onboarding process, you’ll need to provide the following information:
The Digit Direct account is changing the way you bank with the following perks:
Although Digit 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.
★★★★★ — 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.
Digit Checking is not currently available on Finder
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