Oportun - Save, Borrow, Budget Negative Reviews

Oportun - Save, borrow, budget App Complaints & User Negative Comments 2024

Oportun - Save, borrow, budget app received 27 complaints, negative comments and reviews by users. Have you ever had a bad experience using Oportun - Save, borrow, budget? Can you share your negative thoughts about oportun - save, borrow, budget?

Oportun - Save, borrow, budget for Negative User Reviews

✓ I am sad…..I am disappointed that I will be emptying my accounts through digit and deleting the app. I loved digit, I would always tell people about how great it was and how much it helped me save money. I loved especially the feature they offered to save up for you bill payments. I had one set up for my phone payment and it was perfect! I would slowly save up the money for the bill day by day and with having several lines on my phone plan it was nice to be able to not have to pay one lump sum. I noticed an email today while looking how to contact support because I can not access my accounts through the digit app, that stated they would no longer be providing the service to help pay your bills. Unfortunately that email was from a month ago that must have been in spam. (I check my email every day and was searching for digits contact support) so now I am paying a lump sum bill that I was not expecting to pay in full. I wish they would have texted me or sent me a notification on the app about that. What really makes me upset is that while this app does amazing at saving my money back for me, you are now required to pay a service fee of $5.00 a month. Which was worth it to me until they removed the bill payment feature. And to top it off now I can not even access my account that I have all of my savings in. 😓.Britany HeadbangerVersion: 3.108.0

✓ LOVED THIS APP until brand name changeSwore by this app & tried to have a few of my friends download it that wasn’t good at saving. I’ve saved $2k in 2months w/o even realizing it just by the small amounts each day that it would take. I noticed some reviews say they didn’t like how much was taken out but you could “adjust” the maximum amount you would prefer a day & they had a “pause” button if you needed to stop getting money taking from bank account when running low but it was usually pretty good with being mindful of your balance. I loved this app & had it since 2018 but unfortunately I am now deleting app in 2023 as they changed to Oportun. I don’t like it at all even though a few NEW features were added, it took away the joy from just saving for “rainy day” or personalized things. Them adding the segment to “Set aside for bills” feature doesn’t work well at all & then they make you have an account within the app & I no longer see the option to transfer money to my actual bank like it did when it was DIGIT. Sad to let it go but until it goes back to the way it was…..I’m done with it. :(.TrezurVersion: 4.49.0

✓ Digit was great, Oportun, not so muchMy bank account disconnects so frequently it’s hardly ever connected. I think it’s disconnected more times in the last two months and it in the last five years. When I used to make deposits manually with Digit, it would take 1 to 3 business days. Sometimes I’m looking at a week now before even seeing it hit my Oportun account. Same goes for moving it back to my bank account. Thank god for the “instant” feature. I’ve never used the feature where it automatically pulls from my bank account, only because my bank account balance varies greatly from week to week, and I almost always have a plan for nearly every dollar in that account. So I’ve always had the savings on pause, and manually put however much I want it in each week. Now, I’m often finding that I’m hitting maximum limits, and the process is so incredibly cumbersome to manually deposit, five to six different, seemingly unnecessary screens. It used to be all on one screen. Select the from account, the to account, and the amount. It’s really crazy how many screens it goes through. I’ve started looking at other services. Hopefully I can find something that works better..NtibbalsVersion: 4.45.0

✓ Zero starsIf I could rate this app zero stars, I would. I signed up for digit and was skeptical that I had to enter my bank account info before I could even see what the app was about. I’ve used other financial apps in the past without it being an issue, so was I unpleasantly surprised when I get my account set up and the first message I get is that they’ve already made a withdrawal from my account without me even having set up my app preferences yet! I decided to remove my bank account and got a message that my saves would be refunded within a few days. Except I never got my money back. So I try to log in to the app to see what I can do and it won’t even let me in without entering bank account info. Against my better judgment I enter account info in for an account I don’t really use and usually has less than $100 in it. BIG MISTAKE as the app then makes ANOTHER withdrawal from that account. I look around and find the “close account” option. Again, tells me that my money will be returned to my account by the 12th. It’s now the 14th, still haven’t gotten EITHER of my “Saves” back into either of my accounts and because I closed my account the only way to get into the app to contAct them is to ... you guessed it... enter my bank info and create a new account. I tried texting and keep getting “your account is pending closure. To reactivate sign in at <digit website>”. Literally theft. Don’t waste your time or money on this app!.FalloutmommyVersion: 2.70.0

✓ Does not let you delete app!!I downloaded digit in May (2018) of last year, and it was a good app. But, I deleted my categories of areas that I wanted to save in order to get the money back, and then closed my account in August 2018. It never stopped taking money out of my account for the ‘categories’ I created to save for. I have multiple bank statements proving this as well as a text from August 14th from them saying I closed my account. Granted they did say it takes 90 days total to close the account, but it has been way way past 90 days. I checked my bank account just now and still saw that Digit was still taking out of my bank, and I have no way to re access my account with the Digit app because I deleted my account as well as the app and when I try to re-download the app and log in I have to make a brand new account. I’ve even tried “re-activating” shorty after and when I did none of the money that was continually taken out of my account was there nor were my created ‘categories’. Occasionally, digit will deposit some of the money back, but not always, and not always the full amounts and lately I haven’t seen any deposits of money back but still money being taken out. I have tried to contact the company through their online app help, and a website as well, but neither time did I hear back. It’s just annoying I have absolutely no idea how to completely stop the entire process..SidpiersonVersion: 2.58.0

✓ LiarsOk so I downloaded this app yesterday and was trying to budget money for my college debt. You have to link your bank account with this app but I thought it just did simple analysis like mint does to suggest how much to save. This app did not have a pop up window or agreement when I was budgeting so I was unaware that it would actually take money out of my account. I was over drafted an insane amount of money. I contacted my bank and they told me to first contact digt. So I emailed them saying this was obviously a mistake because no sane person would overdraft that amount of money. They said it was against their policy to do so and there was nothing I could do. There is but they of course didn’t mention it. They use ACH instead of a debit or wire charge. You can call your bank within a day or two of the charge and block it. Be careful though because these companies will change their name slightly and charge you again. When I told them I knew about this they suddenly were telling me to contact them ASAP and not contact my bank to discuss “options”. So basically when I told them I knew the loophole to the system did they try to help me. I blocked it anyway and closed my account. I don’t expect them to tel customers about ACH charges but why not mention those options in the first place. Your company only mentioned them under threat of bank interference..MartyMcfly23232Version: 2.29

✓ DO. NOT. USE. THIS. APP.So I was not aware that my account would be AUTOMATICALLY drafted from my account! Currently, I am receiving multiple ($35) overdraft fees because this app took RANDOM amounts from my account which was already I. The negatives! Granted, when I downloaded this app and read the reviews, I was interested because I had finally found a way to save! I DID transfer $2 out of my account when I got my pay check to see if it was legit, and I was. ONLY A FEW DAYS LATER, Why do I see different amounts in different accounts on the Digit app, THAT I DID NOT AUTHORIZE! Now my account is even more in the negative with the overdraft fees to come! I really feel scammed! How can I get texts with updates but was not notified of the petty amounts being transferred without my permission! If I could rate this app a 0 I would! Here I am, a struggling college student ON MY OWN, trying to save and be responsible & this is what I get in return! I am telling everyone I know that has this app to delete it! I will be posting it on Facebook as well! Then the nerve to not have a customer service number?! You might wanna check into that while dealing with people’s MONEY! Even if it is only a little bit. Lawsuit coming soon if I don’t get an assistance on getting my money back. Period! Sincerely, an unsatisfied, more broke, scammed customer! 😡.Danny97!Version: 2.80.0

✓ Update: Good Bye! Had to Leave!***Update to November 25, 2024 Review I wrote the review over a month ago. Tried working with Oportun staff to fix the issue, but they continued to give me the same instructions on how to connect. I’d remove the account, then reconnect. It didn’t work. Staff was responsive, but the connectivity issue continued. I just don’t have time everyday to go through the process. Sad to go, Oportun was a good app, but it’s just not working with my BMO bank. Hopefully the issue will be resolved someday and I’ll give it another try. Until then, so long! Been using Oportun (formerly Digit, formerly Hello Digit) for over eight years. The feature of the app to auto save from my own has been my preferred service, even after it started charging me $5 per month for the service. It has helped me save for vacations, Christmas, and other surprise expenses. My bank switched from Bank of the West to BMO. Since the switch, Oportun continuously loses the connection with my BMO and I’m having to reestablish the connection EVERYDAY. I love the app, but I can’t keep this up much longer having to log in to my bank account through the Oportun app. I even created a daily reminder on my phone to go through this tedious process. I don’t mind paying the $5 monthly fee, but it doesn’t seem fair for me to work this hard to use your app and still have to pay. Please fix the connection instability between Oportun and BMO! I don’t want to delete it..Pepe553Version: 4.60.0

✓ Not saving enoughI’ve been using this app since 2016 and used to love it. It has saved me so much money and I relied on it for setting goals and setting aside funds for when I needed it. Lately, it has not been saving enough. I have more money in my bank account now than I have ever had, and it takes out such small amounts that it’s not making any progress towards my goals. My last 4 goals did not save enough at the date of the deadline. I contacted their customer service months ago and they said it was a known issue and they would fix it. To be honest, I did see a fix for a few weeks, where it was saving a lot of money for me, and then it continued to save 10 cents here, $1 there, when I have a few goals that are ending soon and I’m no where near my goal. I emailed them again and was basically told to just set the deadlines for sooner than I need it. Even doing that, I’m not going to be meeting my goals. It simply is not saving enough, despite there being more than enough money in my account to transfer. There are other reviews and social media posts about this same issue. I will be looking for a new app to replace this one because an app that is supposed to save money, now with a monthly fee, but isn’t saving much for me is not worth it. And it’s a shame since I’ve been using and relying on this app for so long. In the meantime, fix the algorithm! Make this app useful again..BeanieRobert2001Version: 4.57.0

✓ Horrible experienceI recently downloaded this app , and thought that it would be great to save for a future car. The app itself is difficult as hell one minute they want you to set a minimum so you won’t overdraft! OVERDRAFT IS THE WORD! This app is totally insane I saved 89 dollars for my first save on my car right? But then the updates or completely slow. It’s takes very long for my information to be updated......So this is what made me unlink my bank. So everytime I spend out my my account, it takes about three days just for it to update with them so when I saved that 89 dollars I first thought I overdraft my self because me spending out my account didn’t update with them yet so I’m like they don’t know what I have in my bank yet . But all along, they make there app look so slow so they can take your money. For example.... say your last update with them say you had 50 dollars in your checking, then you spend 10 and put the rest in your savings with them, that don’t update with them until a couple days later so they a say o well you don’t have enough money in rainy day to save.......MORAL Of the story is my account is currently 58 dollars overdraft because when I requested my savings back they charged me 2 return fees for my own money back so I’m getting my bank and the police involved cause they refuse to take it off my account.....this app needs to be shut down.Bjerriana2Version: 2.39

✓ Inaccurate infoSo I have never left a review before, but when I decided to use this app, I was very specific and did as much research as possible. Everything seemed to go well. Nothing suspicious. A few months down the road and I had a feeling I should check my deposits. Sure enough nothing was accurate, my bank account showed digit withdrawing not one, but TWO deposits from my account! One was always around $20 and the other was usually a smaller amount under $5. And both were named differently, but BOTH came form Digit. And this was daily!!! Like no! That’s not what I asked for! Even after I put a limit after seeing this, they continued to pull those amounts out under the two slightly different names. The fact that I took my bank account off too, and I’m unable to go back into my account and look at my statements with Digit now is very wrong. And no actual phone number to contact Digit! Only email. I emailed about a week ago, And I have to hear a response on what happened to my money. I doubt I will see that money. But please save yourself. If you live paycheck to paycheck like I do, you will lose money. I’m still missing about $100 that should have gone to my credit card payment as well. I took a screenshot luckily of everything that was supposed to come back to me and go to my CC. And my CC payment is not posting on the date like they said it should. Even though I transferred it before I closed everything. This is wrong and I want my money back. :(.Hotmomma92Version: 3.16.0

✓ Dangerous service! Will steal your money!My dad was using this service as a rainy day fund for him and his wife up until his sudden death. The funds were withdrawn from a joint bank account that was shared with his wife. In his will, he left everything to his wife. This company has gone out of its way to keep the money for themselves and not debtor the payment like they should be in this case. Even after a letter from an estate attorney, a copy of the will, and many other legal forms, they are still requesting things like Letters Testamentary. This is something you have to petition the court to do. Filing fees and publication for this can be $180-$500. The funds are not worth the price of what they are requesting, especially not leaving out the most expensive part, doing a probate on the will that can cost over $1500. So in turn, if you stash let’s say $3,000 in a service like this, if you die and you want your spouse to have that $3,000 for something like debits or the funeral, they will have to spend around $2,000 to get it back, netting you $1,000 in return. Most of the positive reviews about this company are from living individuals just finding ways to stash their hard earned cash. This company is dangerous and I highly suggest you do not do business with them especially if you want your funds being returned to you, your estate, or your loved ones..RickGiovengoVersion: 4.24.0

✓ Why doesn’t the service evaluate your balance?I downloaded the app last month with the intention of using it once I had an ample amount of money in my account to save. I disabled the saving services and one of my gripes is there’s only a 30 day maximum to turn off their services, why not have an unlimited time? When the service turned back on I never received a text when I have previously received SMS notifications. Then the service started saving money when I didn’t have anything in my balance and accrued 3 overdraft penalties because of digit. I received a notification through Mint about the first two and contacted Digit’s customer service and they helped pay back the $60. What I didn’t like is instead of directly wiring the money to my checking account, they gave it to me through the app and I withdrew from there. Another thing that made me upset was instead of suspending the service to prevent this from happening again the service continued to withdraw money from my checking account with no balance. They only allow for instances for 2 overdraft help so I took am out $30. I’ve since unlinked my bank account and deleted the app. The idea is nice and the app works for what it does, but it needs to improve its algorithm for analyzing accounts before withdrawing money in case you have none..F34RI355Version: 2.58.0

✓ The changes are not great.Have been with Digit for a very-very long time. Way before they even started charging their users to save money. When the app was super simple and EZ. I deleted the app a few months ago just to catch a break and manage my money on my own, but now I've come back and redownload it and there are tons of changes... No daily account updates, I'm receiving a debit card I'll never use, longer wait times for transfers, several different accounts that I don't know much about. What's going on? I understand rebranding will help to keep your business alive, but make sure to read the feedback from your users(especially long time users). I'm going to keep the app for another week or two just to see how it works, but it just seems like another form of Cash App, which I already have... I will continue to let time pass by, but I probably won't keep it for long if there are no real changes being made here. I personally don't like that some bigger company took over a small-based app. If I'm paying more to support the service, fine. But I'm paying more to give back to the bank and some random business. Not cool at all..Yuzza306Version: 4.32.0

✓ It’s a good app but it does have some flawsFrom what I have gathered from this app for using it a couple weeks it is a good idea. It sends you texts messages telling you your balance, you can set several goals for yourself even by a certain date, withdraw anytime and you don’t even have to go the app for your bank account to see if you’re low or not. However this is what I DON’T like. If you have several goals it takes a couple cents out which I get, have some money in it to start your goal. However from my eyes it takes a couple cents out every couple of days which I don’t like. I also see that is a recurring review when it comes to this app. Another point, I have a college fund goal, I just recently got half the money I needed my plan was to put that half in the app (which I still will). I put all the money in my bank account. I thought maybe I could right away put it into the app, NOPE. I have to wait till the bank opens in the morning to do it. Now I don’t have a problem waiting in the morning to do that but I think I should be allowed to do it right away. So that is why I am giving it 3 stars, some things have to be fixed but I will still be using the app..Iamseanlavin24Version: 2.29

✓ Steals from your account!!Digit is setup on a bills only account of mine and bc the algorithm and timing of digits withdrawals is so slow and random, it has accumulated multiple over draft fees. The first time it happened I just chalked it up to me not monitoring the account well enough with a new source taking from it randomly. Digit refunded the money and recommended options on how to avoid this from happening. I followed their advice and yet again with the timing of Digit and the randomness of the withdrawals it happened again. This time I looked to close the digit account to avoid yet another situation and the only option that’s clear is texting PAUSE. I would look for a way to close the account several times and texted pause several times to avoid using the app then ended up uninstalling. It stopped taking money out of the account for some time so I thought it was over with it... I WAS WRONG!! It was taking money out of my account in the background and started causing more overdraft fees and started using the “Saved” money to cover those fees so I never really saw it until I inspected my account further. I talked to several members of the Digit team who will not assist with refunding over $100 in overdraft fees and the money used to cover it. Each of them refuse to reimburse the money back before closing the account. Save your time and your phone storage by NOT INSTALLING DIGIT!!!.The Busy but HonestVersion: 2.41.2

✓ Useless and Under/developedUPDATE: I closed my account and they’re still taking money. I even screenshot Ted the conformation. Your bank likely offers the same service for no more money. Digit makes you wait several business days for money...completely defeating the purpose of a rainy DAY fund. You pay them monthly when you can just pay your bank whatever you pay them anyway. You want a monthly fee but can’t offer instant transfers??? NO. Great concept but in someways, the app seems under developed. The biggest issue is you don’t have an instant transfer to bank account option even though you’re directly linked to my bank account. The reason people save money for rainy days is to be able to access the money on the same rainy day. Not three business days later. You can’t cut off the text messages that send your bank balance to your phone every day without cutting off all text notifications. For many reasons, I do not want my bank balance, as someone holding my phone has already seen that text message come through and that is embarrassing and invasive. In addition, the boost feature is weird and under explained. I’m not trying to boost to get to any goal, I just wanted to save more money. I should be able to do that without having to go through some cliché feature called boost that barely explained and has one sentence in an article under frequently asked questions that was hard to find. This app needs some work..Mreeves336Version: 2.86.0

✓ Very DisappointedI would like to start off by saying I loved this app at first... it was quick, easy, and not time consuming. But about a month in, Digit overdrafted my bank account by 40 dollars (and I had overdraft-prevention on). I reached out to their support team and they said that I can be reimbursed (which would take a day) and I followed their directions. But I was really in a rush to put money back in my account before I got charged a fee from my bank. So since I couldn’t get the money back that day, I decided i should just pull all my savings... but when I tried to do so, it only let me pull a small percentage of my savings from each category (for example I had a category for a laptop which had about 150 dollars, and they only let me take out 40). It was enough to save me, but AGAIN it needed a day to process... at this point I was very frustrated and tried contacting them again but got no response. And their only form of communication with savers was over email. No phone #, so I had accepted that I was going to be charged by my bank and was infuriated. I filed for the reimbursement almost a week ago, and have still not gotten a response. I was charged 30 dollars by my bank. I just closed my digit account and will never recommend it to anyone..Adrian E MendozaVersion: 3.17.0

✓ Decent app for savingsDigit is overall a pretty good platform for automatic savings and paying off debt. The interface is pretty user friendly and simple to set up. You can set multiple savings goals and with your credit cards linked you can automatically set aside money and have that money sent on a set day to help pay off your cards, which is probably my favorite feature. As far as savings goes and it’s claim for analyzing bank activity and adjusting accordingly I’m not so sure. Digit is very aggressive when it comes to savings. I don’t have a whole lot of money in my account, trust me, and before I set the max limits it was pulling anywhere from 15-60$ daily to my 2 savings accounts and my credit card. After setting my maximum limits at $10 now it literally just pulls $10 for each almost every single day. Even days where I make big payments like my mortgage you’d think with it monitoring bank activity and smart analyzing it wouldn’t pull from my account that day. Nope still just pulls the max amount. All in all the app isn’t bad though. The transfers are easy, the credit card bill pay is great, and it’s nice to set aside some money for some savings. If the app had better analyzing and wasn’t so aggressive I’d probably bump it up to 4 stars but as it is now I have it at 3/5..GnarslyVersion: 3.91.0

✓ Lies about promosLast week they offered a promotion offering $100 to subscribers pending they get 3 invitees to to join and have their 1st auto withdrawal by the following week. On the first day of the promo, I got 3 friends to join. On the second day of the promo, I got one extra to join. They in turn each invited 3 or more to join to benefit from the promo and of course easily save money for a rainy day. IRONICALLY, NONE (including myself) had more than one of those joiners experience an actual auto withdrawal, within the next 7 days that the promo lasted. How convenient. I wrote to Digit at least 5 times trying to inquire as to why my joiners, all of whom followed through entirely on the sign up procedure, have not had their first auto withdrawals. I received ONE response back from ‘Courtney’ asking for my invitees names and phone numbers, which I promptly provided, saying she’d look into it. NOPE, never heard another word! And AGAIN IRONICALLY, one more of my invitees had their first auto withdrawal hours after the promo ended. I would have rated this app five stars, even ten if I could, but now I’m just embarrassed that I spent as much time as I did trying to communicate in emails and giving Digit the benefit of countless new monthly fee paying members by association. Never again. I’ll spend my next little bit of free time trying to find a similar app who doesn’t make broken promises and telling my friends to do the same..Hulia71Version: 2.58.0

✓ LiarsI used to love this app and was even fine paying the monthly fee but they took money out of my account 3 different times earlier this year and made my bank account go negative. I contacted them and they refunded those fees and gave me the recommendation of setting a limit. So that is what I did. If my Bank account had $100 or less Digit would not take any money out. I also put a pause on my account in September and they still took money out in September and made me get 2 different bank fees and then again this month as well and I ended up with 2 different bank fees. So I contacted customer service and explain that I set the withdrawal from my bank account limit of $100 but they still took money and gave me 4 fees since September. I asked for these to be refunded and they refused to cover these fees which stated they always would. The advice I was given was set my withdrawal limit at 300. So I canceled my account. And the money they withdrew has still not be refunded. I feel this is false advertising and I did all the recommendations I was told to do and they still refused to over the bank fees stated in the agreement that they would and still not received the money they took the last time that caused 2 bank fees. I have contact customer service and nothing. I will no longer speak highly of digit..Twalker81Version: 1.6.13

✓ Bad ExperiencesI’m pretty disappointed with the app. I downloaded it, but I was skeptical. I liked the concept of Digit. However, I’m in a situation where I have little “disposable” income, so the idea of saving bit by bit seemed like the ideal way to save for me. I set the bar at $50 for account protection, so the app wouldn’t “save” if my account balance was below $50. Easy, right? Not really. The app, in my case, just randomly withdrew arbitrary amounts of money from my checking account, without consideration of my paydays and when/what bills were due. It would be anywhere from mere cents to $10-15 each time it saved. Eventually, I just paused the saving before it started to charge me the monthly fee to scope the app in order to see if it was something I’d keep. I never pressed play on the saving again, but it continued to withdraw from my account in the name of savings. The savings were just $.50 withdrawals, so it went by unnoticed. It took out $20 one day, which I did notice, so I checked the app and saw it was still saving my money. I closed my account and was assured that I’d have my money back the next business day, yet my bank just posted the transaction as a withdrawal from my account. There’s nothing set for me to get that $20 as far as I can see. If you want, try this app, but I’d be weary..MareahpowersVersion: 2.55.0

✓ Not sure this is the right way to save $I am aware of behavioral finance and study savings for a living. I use other tools like Mint to save money and don’t have to transfer funds from my bank account. I tried digit for a month and watched as it took money from my account to my rainy day fund and a few goals I set up . On the positive side - it was easy to do this. On the negative side - I’m not sure how their algorithm works- but it seemed random. Maybe it eventually learns your habits- but the lack of transparency is a definite drawback from a learning standpoint. In addition- by the end of the month I had a large dentist bill and because digit took my funds - I went under the limit I set for my account. Digit to its credit did start putting funds back from the rainy day finding- but not nearly as quickly and then the next day started drawing again , which does not make sense. Although my experience wasn’t bad- technically everything worked as advertised- It all seemed too complicated to be practical. The app could be redesigned just to take a preset amount of your paycheck and then return it if something unexpected comes up. It could also offer custom options to help the algorithm succeed in learning your habits and when large bills come regularly to avoid taking too much out at the beginning . It only works maybe if not seeing you have the money will stop you from spending it- but you can do that for less than $5 a month..KenjiLopVersion: 4.1.0

✓ Not worth a monthly fee anymoreI’ve used Digit in the past and just recently signed up for it again since I like the automated savings it offers. I’m not the best with saving money, so it’s really helpful for me. Back in 2017 when I signed up they gave you a 1% bonus, then when I recently resigned up it was .50% and then just a month later it dropped again to .10%. Of course with dropping to .10% they’re still keeping the same monthly fee. I know they need to monitor what the Fed does with the central rate...but they also charge a fee for their service so I feel like they should keep that in mind when adjusting their bonus rates. At a .10% savings bonus there is literally ZERO value proposition with Digit currently. They want you to pay $60 a year for automated savings, with basically no bonus at all, which is ridiculous. You’re better off currently setting up recurring deposits to an online savings account (even though it’s not the exact same as what Digit does) that offers a much better interest rate. Update: You have to save $4,000 a year (and keep that balance) in order to get $1 as a bonus (4 times a year) according to their website. They say on average people save $2,500 a year, which be $2.50 a year in bonuses. Know that before signing up!.Quake0317Version: 3.72.0

✓ Having issues for the third time...This app isn't really for people who live paycheck to paycheck due to how much money they take out of your account. When it's good, it's really good, but when it's bad, it can be really bad. So I've had this app for about a year and a half maybe two years and it's been decent. Even if I tell digit to 'save less' it still takes too much money out of my account. Last time I chatted with customer service to ask why digit was saving $15 or $19 from my checking account in one lump in one day and the representative told me that it's because digit senses a paycheck coming which baffled me but I stuck with the app. I set a daily saving limit of $10 and at the times something told me that I should set the bar lower but I didn't listen. Imagine my surprise when $10 was taken out of my account THREE DAYS IN A ROW. In case anyone is bad at math, that's $30 over the span of three days. You might think, hmm, I guess you bought something that caused the app to save $10 for you everyday. I paid my rent which should've rounded up my change to the next dollar, not take $10 out of my account for three days. I'm tired of this. Instead of having nearly $80 in my account until my next paycheck I have nearly $50. I have Qapital as well and that app is not nearly as hard on my checking account as this one is. I'll be deleting this app..Audri94Version: 2.56.0

✓ Kind of sketchyI had been using this since 2018. At first everything was great. But ever since they started using Plaid to connect the account. (Which as a consumer, I feel they didnt need because everything worked fine before hand) now every other day digit has issues connecting to my bank (which BEFORE plaid it never had an issue.) Ive reached out several times and they obviously dont care because they gave me the "it will fix itself in a few days". Or "you can take all your money out and reset it up" First of all, Its been two weeks and this has not "auto fixed itself" Technology doesnt fix itself sometimes it needs a human touch. And the bank is not s weird off brand either there are so many of them. So they are expecting me to put my life on hold because they decided to fix something that wasn't broke. Customer Service doesnt really care, you are just a number/ email. Which is sad because this use to be such a great tool until plaid came along. Response to the developer: I have no issue taking funds out of my account, that is not the issue so don't try and manipulate the conversation!. This is not a complaint about not accessing funds. This is a complaint about the on going issue that plaid creates while trying to put money into digit. Must I repeat what Ive already said above? I have already heard your unhelpful stock responses you've learned in your training..RUSerious3745Version: 3.88.0

✓ Fund taken after closing and got insufficient fee!!!!Oh money still got taken out of bank even the balance below the setting!!! And got bank overdraft fee. How do I save? I have never written app review. But I’m very upset that I got fund taken out of my bank account even thought I unlinked my account within 15 minutes after opening the account. My plan was to not take my money out and unlinked the account. Now, not only I have to wait for the refund (if they would bank into my account) but it cost me overdraft fee in my bank because I got charged after cancelling it. I transferred all my money out because i didn’t want digit to withdraw and it still happened. Next I had to go to Digit website to close this account. I cannot do anything on the app unless I link my bank account, in other words I am giving permission for digit to take my money as they think is best for me . It’s not an app for someone who wants to control their own money. It would have been nice to allow customers to navigate the app before forcing people to link the bank account ... then we can decide whether we like it or not. So if you are not sure what this is about (I’m still not sure), then don’t even bother using this app. I learned it like a stupid after linking my account and got slapped with fee by my bank. How is this Savings??? I just lost $35 bank fee plus Digit withdrawal for now reason.SharonyasVersion: 2.97.0

Oportun - Save, borrow, budget works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or contact Oportun - Save, borrow, budget.