Last Updated: 01/21/2026
SuperMoney User Recommendation Score +69
Strongly recommended13 total votes
Explore a similar product
Try this top product in Checking Accounts
Chase Total Checking®
Strongly recommended105 reviews
Community Recommended Products
View AllSponsored
Strongly recommended105 Reviews
Learn MoreSponsored
Strongly recommended148 Reviews
Learn MoreSponsored
Strongly recommended42 Reviews
Learn MoreCompare All Checking Accounts
Filter & compare all your options in one place.
Highlights
Community Rating
Strongly recommended
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$4.99(Verified 01/21/2026)
Disclaimer popup with additional information
Number of Reviews
Douugh Bank Account Review
The Douugh Bank Account is offered by Douugh USA LLC, a nonbank financial services provider founded in 2016 and based in Patchogue, NY. Douugh Bank Account is available in 50 states and Washington, DC.
Key Takeaways
- Free membership for the first 28 days.
- 0% APY. As with most checking accounts, Douugh Bank Account does not pay interest.
- Charges a monthly fee. This account charges a monthly fee of $4.99.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Douugh Bank Account does not charge fees on ATM transactions within its network but there is a fee of $2.5 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Douugh USA LLC mobile or online banking.
Douugh Bank Account Pros & Cons
| Pros | Cons |
|
|
Douugh Bank Account FAQ
Are checking accounts from Douugh USA LLC federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). 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 Douugh Bank Account offer?
Douugh Bank Account is not an interest-bearing account.
What are the account minimums for Douugh Bank Account?
Douugh Bank Account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Douugh Bank Account charge?
This account charges a monthly maintenance fee each statement cycle of $4.99.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $4.99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $2.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bank Teller Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Douugh Bank Account charge overdraft fees?
No, Douugh Bank Account does not charge overdraft fees.What features and perks does Douugh Bank Account offer?
This account includes the following features:
- Free membership for the first 28 days.
- Fraud monitoring - Douugh Bank Account 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 - Douugh Bank Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Douugh Bank Account?
The customer support email for Douugh Bank Account is help@douugh.com.
How do people rate the customer service and user experience of Douugh Bank Account?
Overall, Douugh Bank Account is strongly recommended based on community reviews that rate customer service and user experience.
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 Douugh Bank Account
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
Other Services by Douugh USA LLC
Investment Advisors
Be the first to rate
Budgeting Apps
Rating not yet determined (4 Reviews)
Community Recommended Products
View AllSponsored
Strongly recommended105 Reviews
Learn MoreSponsored
Strongly recommended148 Reviews
Learn MoreSponsored
Strongly recommended42 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +69, or 4.4 on a 5-point rating scale.
+69
-1000+100
No one recommends
Everyone recommends
Douugh Bank Account Community Reviews
Would you recommend Douugh Bank Account to your friends?
Kayla P.
Feb 25, 2022
May or may not recommend
The only downfall to this bank is the monthly fee. I can use lots of other online banking sites for free, so it is kinda justify using it.
CA
Charity A.
Feb 24, 2022
May or may not recommend
This company has a lot of interesting and professional factors to their services. I really enjoy the app and how it is organized. I am personally not a fan of monthly fees, but with the amount of perks you receive, I honestly recommend.
Becca -.
Feb 23, 2022
May or may not recommend
The Douugh Bank Account app has a different view when it comes to managing money your money. The app wants to handle as much of the work for you in the background as it can to help you meet your financial goals without bringing back all of the standard stress to you. This app aims to be your one-stop-shop for saving, spending, investing, etc. Honestly, could you really ask for ...Show More
ST
Samantha T.
Jan 27, 2022
May or may not recommend
Great experience and a low price! Would highly recommend for everyone
RA
Raphael A.
Jan 20, 2022
May or may not recommend
All I can say is wow this is an awesome concept and applying for an account was easy as pie I love the bills jar and spending targets it is just like simple bank but upgraded I just they add a way to edit your address and offer a mail a check feature in the near future but other than that everything is perfect I can’t wait to start using ...Show More
LH
Lashane H.
Jan 3, 2022
May or may not recommend
This is an awesome bank. The account charges a monthly service fee of $4.99.
MS
Mohammad S.
Dec 21, 2021
May or may not recommend
Unfortunetly, I do have to say I do not recommend Douugh Bank Account to anybody. There is a $5 monthly fee, no bonus and no APY. Many other accounts offer bonuses for signing up, contain a minimum of 0.01% APY and have no monthly fee. For that reason, I recommend staying away from this.
BS
Bradley S.
Nov 18, 2021
May or may not recommend
Douugh makes it easy to not only open a bank account but be informed with your savings and money goals. I appreciate their friendly user-interface and how simple it was to get any question answered or to browse their variety of different services based on your money needs.
MG
Moneena G.
Nov 16, 2021
May or may not recommend
I would recommend this company to anyone; new adults looking for an additional bank, or someone who is familiar with banks but needs an additional assist. This bank only has three features that have to be paid but everything else is free to use; international transactions, ATM fees, and monthly maintenance fee. Besides those three facts, the company is promising and is great for an online bank.
JC
John C.
Nov 6, 2021
May or may not recommend
I like how theres not a lot of fees for this company, but for the fees that are charged (like the monthly fee and foreign transfer fees) I do think it is a bit high. However, I think this is a good company. I would like to see more reviews before I personally invest in it though.
TT
Tim T.
Oct 19, 2021
May or may not recommend
Douugh's checking account is fantastic. They give you both a slick black card, and then a card for your digital wallet too (apple pay). The app is helping me to keep a closer eye on my spending, so I don't go over my monthly budget.
U
Anonymous
Oct 17, 2021
May or may not recommend
I love my Douugh bank account! It's so useful in helping me manage my money every pay day. It's so easy to set up a saving goal and the app automatically saves your money for you. I feel so organized!
U
Anonymous
Oct 17, 2021
May or may not recommend
Love Douugh! Jars helps me budget and organize my money. The Autopilot is also awesome for pay day and forcing me to save. High recommend to help you budget and save! The separate Bills Jar is great for paying your bills too.
Showing 13 of 13 reviews
You might also like
Best Checking Accounts
SuperMoney
Checking and Savings Accounts: How To Make Them Work Together
Audrey Henderson
Opening a Joint Account: The Definitive Guide
Jessica Walrack
SIPC Crushes Robinhood's Checking & Savings Account
Heather Popovic
Traveler's Checks Alternatives: The Definitive Guide
Jessica Walrack