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Last Updated: 01/21/2026

Digit Direct Account

from Digit

Last Updated: 01/21/2026

Rating not yet determined3 total votes

1 users recommend

1 users are unsure

1 users don't recommend

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Highlights

Welcome Offer

N/A

Cashback Rewards

N/A

APY (Annual Percentage Yield)

0%(Verified 06/21/2024)

Disclaimer popup with additional information

Monthly Service Fee

$9.99(Verified 01/21/2026)

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Digit Direct Account Review

The Digit Direct Account is offered through Digit, a nonbank financial services provider founded in 2013 and based in San Francisco, CA. It is made possible by a bank partnership with MetaBank®, N.A.. Digit Direct is available in 50 states and Washington, DC.

Key Takeaways

0% APY. As with most checking accounts, Digit Direct Account does not pay interest.
Charges a monthly fee. This account charges a monthly fee of $9.99.
No minimum initial deposit. There is no minimum balance required to open an account online.
Bill pay. Pay your bills to practically anyone in the United States when you enroll in Digit mobile or online banking.

Digit Direct Pros & Cons

Pros

Cons

Available in 50 states and Washington, DC.
Debit card and the option to lock/unlock the card if lost or stolen

No signup bonus.
Does not earn interest
Online-only account with no access to physical branches.
Does not provide access to a nationwide ATM network.
Monthly service charge .
Charges a fee on out-of-network ATM transactions.

Digit Direct FAQ

Are Digit Direct Account deposits federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) through MetaBank®, N.A. . The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Digit Direct offer?

Digit Direct is not an interest-bearing account.

What are the account minimums for Digit Direct?

Digit Direct does not require a minimum initial deposit.

Digit Direct Account Minimums

Description

Minimum Opening Deposit

What fees does Digit Direct charge?

This account charges a monthly maintenance fee each statement cycle of $9.99.

Digit Direct Account Fees

Description

Monthly Service Fee

$9.99

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $2.5

Overdraft Item Fee

Starting at $0

Foreign Transaction Fee (Debit Card)

Starting at 0%

Does Digit Direct charge overdraft fees?

No, Digit Direct does not charge overdraft fees.

What features and perks does Digit Direct offer?

This account includes the following features:

Fraud monitoring - Digit Direct monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - Digit Direct allows you to manage your money online or with a mobile app. This includes depositing checks¹ in your account with a mobile app on your smartphone.

What is the customer support email for Digit Direct?

The customer support email for Digit Direct is help@digit.co.

Digit Direct Account Disclosure: Direct is a deposit account established by MetaBank®, N.A., Member FDIC. Digit Visa® Debit card is issued by MetaBank, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa debit cards are accepted.

View Digit Direct Account's published terms & conditions

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Digit Direct

When you open a Direct account, your money is set aside for bills, goals, and investments with every deposit. You always know how much is safe to spend. And can feel good spending it.

Contact

Headquarters

100 Pine St FL 20

San Francisco, CA 94111

Visit Site

Email Support

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Digit Direct Account Community Reviews

Would you recommend Digit Direct Account to your friends?

Rose S.

Jan 21, 2023

May or may not recommend

Digit would be a very useful app for a lot of people, and while I was on the 6-month free trial, I really did enjoy it. But frankly, the direct reason I would not recommend Digit is because the fees they charge you to manage your own money are ridiculous. I entirely understand subscriptions, but I think 10$ a month is too high when paying that doesn't give you any ...Show More

Tatiana A.

Nov 23, 2022

May or may not recommend

I would recommend this app for any teen that is beginning to tip into finances and beginning to save. This was very beneficial for me when I started my first job and helped me save during my high school years. While getting paid, I used this account to put a certain amount into it, and over time it has also helped me grow with my budgeting.

Jessica B.

Jul 16, 2022

May or may not recommend

I remember using Digit years ago. It was a really good visual on how much money was going in and out and I was able to use it to create small personal goals. However having too many money saving accounts did stress out my partner and eventually we stopped using it. I did love the simplicity and lay out but I didn't like the payment required although I do understand ...Show More

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