Oportun - Save, borrow, budget Reviews

I absolutely love Oportun. I downloaded it thinking I’d try it out but I was expecting to delete it like I have all the others. I honestly had forgotten about it until I checked my bank account and noticed I had a few bucks a day being deducted by digit. So I checked my digit account and was shocked that I’d already saved close to $100! I downloaded Oportun in May and between the rainy day account and the travel fund I started, I’ve saved almost $800! I don’t even notice the money being deducted since it’s just a few bucks a day. Here’s the best part - Digit let’s you set up a maximum amount for them to deduct daily but they do NOT deduct the maximum if you’re short on cash or if they notice it’s a time in the month when you’re usually paying bills. Sometimes they’ll only deduct maybe 50 cents or so. Also, you can tell them not to let your account get under a certain amount. I set mine to $10 and when my account dropped below that, digit transferred the difference using funds from my rainy day account. This is huge for me because sometimes I do get down to just a couple bucks right before my next paycheck. The $5 a month fee is worth it just for this feature alone. If you have trouble saving money or you’ve got a big goal to reach, give this a try. You’ll hit your goal without even realizing you’ve been saving money.

I never review apps but this one deserves a good review. Digit is my all time favorite app and has saved me so much money in such a sort amount of time. Oportun is extremely user friendly and truly, once you set it up, you really forget about it. I love how the apps only takes out funds it knows I will not need and when it recognizes that my account is low, it automatically deposits some of my saved money back into my checking account. For only $5 a month, all of my money is FDIC insured and my savings earn a 0.10% savings bonus which is nice! Another AMAZING feature is the automatic Credit Card and Student Loan payment feature. Rather than taking money from my checking account and putting it into savings, Digit will automatically route that money to my Credit Card payment and Student Loan bills saving me hassle in the long run and shortening my repayment plan! Truly, I cannot say enough good things about Oportun and I recommend everyone give it a try. If the $5 a month doesn’t seem worth it to you, I believe they offer a free trial that you should take advantage of because once you get a taste of how much you can save, you’ll gladly spend that $5 every month. To put it into perspective, Digit saved me $1,000 in just a few months by slowly taking out $3 here, $10 here, etc. and I never noticed it missing from my account!

I discovered Digit back in March 2018 & I’d be lying if I said I wasn’t skeptical at first. A lot of the negative reviews made me very nervous to try it out when I first started out, but I’m a customer for life, now! Digit helps me make sure that I’m saving money, & I really don’t even notice the money that’s being taken out to be saved. I love how quickly I’ve managed to save money towards individual goals, as well as in general. It’s amazing how much you can save when your funds are being put somewhere that you won’t have immediate access to it. & if you’re concerned about withdrawing funds at any point in time, it’s an absolute breeze. The withdrawal minimum is really helps as well. I have mine set to $50, & they’ve never withdrawn money from my account when my balance is at $50 or below. They also won’t withdraw on weekends, which is always helpful because I can never get an accurate balance on my bank account until Mondays or Tuesdays.

Also I could rave & rave for days about the customer service. They’re absolute sweethearts & they’re more than happy to answer any questions you have for them. They don’t make you feel stupid or under appreciated. I would & DO recommend Oportun to anyone who has trouble saving or anyone who just wants a little help putting some spare money to the side for a rainy day. I promise you that downloading Oportun will be something you won’t regret!

Digit has been a part of my financial apps since before quarantine started. But being able to have piece of mind and know that my money is in a safe, secure space is amazing. I dislike the fact that you can’t withdraw same, next-day or weekends without paying a fee so I do suggest the Digit app developers look into it, but other then that: amazing.

I’ve had 20+ Digit savings goals open at once, and closed them when they were no longer useful but Oportun is truly amazing. With the new updated interface allowing me to see my total saved money on the Home Screen is incredible, but I have a few gripes with some of the features: if I have a recurring savings goal, I think I should be able to make that an option and withdraw so my funds are available on the day I need them without many issues. I also think being able to have the ability to hold as much money as I’d like in one Digit account.. because if I have to have multiple it kind of ruins the convenience of Oportun . I also think that I should be able to set up a set amount Oportun takes from my account per day, per week or per month, since the amount is variable depending on the goal. Other then that Oportun has been wonderful, one of the best apps I’ve ever been able to use and it helps me with my financial independence.

Oportun is awesome! The part where is scans your account and saves for you is phenomenal, but you can also manually move funds as well, which is great! In doing so it makes saving mindless and easy while also letting me organize my funds for any large purchases or financial obligations with ease. Withdrawing from digit is simple and easy! You can do it two ways, the first takes a couple days for the money to hit your account after withdraw and that is free of charge, which is awesome! The second, if you need the money ASAP takes only a couple minutes to hit your account, but cost you a dollar. In my mind it’s a dollar... who cares, the total value you receive from Oportun vastly exceeds the 1 dollar charge for that option or the 3 dollar subscription. Made a whoopsie and over drew? No problem, digit has your back, turn on the overdraft protection in Oportun (even if you never overdraw your account, it’s a good option to have on), and if it happens digit automatically withdraws from your rainy day fund to cover down on the overdraft, no excess fees. Over all, Oportun is designed to help you out in as many ways as possible, with financial goals, bigger ticket purchases, financial obligations (rent, mortgage, car payment, etc). High 5 to the developers, you guys a really taking a step in a great direction to help people, keep up the great work!

I’ve been using Digit for a year or so now and I really love it. I have the credit card paying feature on and it’s pretty great. It is like a nice little extra payment to my credit card bills on top of what I already pay. I also love the texts that I get every morning about my account balance because it helps me be more aware of my spending and budget. I love just being able to open the account and be happy that I saved $x without even realizing it. Even if they take little amounts daily, when it accrues, it can be a nice fund to have when you least expect it.

I think a lot of these new reviews that give one star are pretty unfair. Most of them seem like communication issues with their bank because I’ve never had much issues. Also, I think $2.99 is fair for the service they do. People can’t expect everything in life to be free. If what you’re saving is not or barely $3 a month, then I think that’s a personal finance issue that you should be focusing on, not Oportun charging “unfairly” but that’s my opinion.

The only thing I would say could use improvement is if they can update my checking account balance closer to real time because sometimes it’s delayed and shows either yesterday’s balance or something.

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. Oportun 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.

My 5 year anniversary with Digit is coming up and I will never give Oportun up. I highly recommend Oportun to anyone just starting their savings journey who needs a little extra help (college students, fresh grads, etc) or seasoned savers looking for another spot to park some extra funds. I like to joke that it “steals” my money, but in the best way possible. It swipes little by little, change you wouldn’t notice, and saves it for you. Oportun has saved me on rent and bills more times than I can count. It sends daily texts about my bank balance which helped me notice a fraud charge and get it handled immediately. The saving algorithm really knows my habits and my bill schedule and never takes more than I can afford. It adapts to pay changes and surpluses in funds to take a bit more or less when needed. You can pause savings and take your money out in seconds if needed. The interface is simple and easy to understand. In the future, I would LOVE to see it add a bill calendar feature to see when my bills pull so I can quickly see what’s coming up soon. overall, Oportun has been a true lifesaver and my best CYA tool.

I am disappointed that I will be emptying my accounts through digit and deleting Oportun . 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 Oportun about that.
What really makes me upset is that while Oportun 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. 😓

I 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.

So I have never left a review before, but when I decided to use Oportun, 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. :(

I love Oportun, it’s saved me over 5K without me even having to break the bank. Yes they have a monthly fee, but you save a lot more and they give you every 90 days 1% of what you saved. So it’s almost like you’re making your fee back. But, the one thing I don’t like is the algorithm they have for saving money. I had $800 in my actual account where they take it out from, the entire time I had Oportun (Jan 1st) they haven’t taken out more than $5 each time for all three accounts I have, so more than $15 a day. That’s fine, it’s usually never more than that. But today, for some odd reason, they took out $24 for two accounts and $18 for one. LIKE JESUS! I had my car payment go through and some others that haven’t been taken out of my account but I thought it was fine since they have never taken that much out of my account. For now on when I have my car payment and anything else that is a large payment I’m going to have to suspend the savings for a couple days till they can take my payments out, or just manually take out the savings. It was freaking crazy to see that be saved. And I can’t put it back into my account since I get paid on Friday and it takes multiple days to even get the money when you withdraw it. So watch out on that y’all. I was shocked!

UPDATE: 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, Oportun 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. Oportun needs some work.

Digit 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 Oportun 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 Oportun 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.

If I could rate Oportun 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 Oportun 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 Oportun 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 Oportun 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 Oportun 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 ”. Literally theft. Don’t waste your time or money on Oportun!

I’ve had Digit for over eight months now, and could only be happier if it had just one more feature: to show if I’m ahead or behind my goals.
Any time you create a goal, you can select a particular amount and an optional target date. It predicts how much you’ll need to save each day to meet that goal on time, BUT there’s also a tool for a maximum daily amount if you don’t want it to be regularly taking chunks. You can manually add amounts when you’re ready, and can withdraw at any time, with a $.99 fee for immediate transfer or free overnight transfer.
I’ve been on three trips now using Digit to save up and really appreciate how easy it makes to save. It’s also satisfying seeing the progress bars approaching the goal.
I just wish there was a marker line to show if I’m ahead or behind schedule on deposits to make the goals on time. For example, I have goals that predict needing to save $5/day, but I set the maximum daily amount to $1, and make manual deposits of $25 or $50 on paydays. I’d like to be able to compare the current amount to the benchmark for where I should be given the goal date.

I didn't want to have to do this, but I might just have to cancel my Digit subscription. I was here from the beginning, and X amount of years ago I learned I would be charged $2.99/mo., whatever. I bit the bullet because I knew it wouldn't make too much of a difference for my finances.

Now my fee has gone up to $5/mo. after being a longtime customer-I now have to pay $5 like all new customers who haven't saved anything?? Oportun has helped me to save over $2K just from me having to do nothing but link my checking account. I'm going to test ride this $5/mo but I'm basically paying as much as normal entertainment subscription (i.e. Apple music), and I don't feel okay with that. I do want to say I sort of understand the reason for the fees, but too many normal things are becoming monthly subscription based charges.

I've thought about it as well, the extra money I'm putting towards unnecessary subscription fees can go right back into my savings. I'm sorry to get personal with my review, but I do not believe I need to pay $5/mo. to save extra money. Digit is an absolutely great app, but I'm not too sure I'm ready to pay an extra $5 every month because I know personally the fee will just continue to rise in another X amount of years.

Oportun 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 Oportun 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 Oportun . 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 Oportun 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 Oportun.

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 Oportun and when I try to re-download Oportun 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.

Last 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 Oportun 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.

I have only been using Digit since last month and it has already saved almost $350 from my checking account! I would see the withdrawals from my checking account, but otherwise I put Oportun out of mind. I decided to check the balance today and was pleasantly surprised with the amount saved already! The savings is the best feature about Oportun, but there are two more impressive features worth noting.
First, it sends me a text every day telling me good morning and most of the time it’s in a different language. How fun! The text also tells me how much money was in my checking account the day before, and how much is in there that day. It includes a link to view recent checking account activity, but I have not used that feature as of yet.
Second, Digit has a low balance protection feature and I set mine at $25. This means that Digit will not take any money out of my checking account if my balance is less than $25. But I found something else out yesterday. Digit also transfers money from Oportun to my checking account if my checking account balance drops below $25!
Love it!

I downloaded digit a couple of months ago, and not only did it help me save money but also helped me keep track of my spending. It texts you every morning with a clever greeting, followed by your checking account balance and how much you spent the day before. It really puts into perspective how much you truly spend every day, which personally made me realize how much of that was unnecessary. I’ve been much more frugal and responsible with my funds thanks to digit.

However, I do have one complaint. When you finally decide to withdraw your savings from digit, it takes FOREVER for it to go back into your checking account. For example, I tried to withdraw money on Thursday, it is now Saturday afternoon and it is still pending. I have no access to that money. I understand that banks are closed today, but digit was able to take money from my checking account yesterday (Friday) to add to my digit savings, so why couldn’t they have completed that transfer? It’s upsetting because I use this money sometimes to get me through between paychecks, and to not be able to access it when I need it feels like someone else is in control of my money.

Other than that, GREAT APP! With some more work it will be awesome.

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 Oportun 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 Oportun 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 Oportun. 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

I recently downloaded Oportun , and thought that it would be great to save for a future car. Oportun itself is difficult as hell one minute they want you to set a minimum so you won’t overdraft! OVERDRAFT IS THE WORD! Oportun 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..... Oportun needs to be shut down

So I’ve actually been using digit fo a couple of years now it’s really great and after I got used to the 2.99 charge (was kinda upset about it at first) I realized it’s helped me save way more money than its ever taken out. That being said I wish they would update Oportun to accommodate for monthly goals. Like a recurring monthly goal. Let’s say rent, or a subscription service if that’s what you do that way you don’t have to continue recreating the goals or something. Digit has definitely been a life saver for me. I now have that extra cushion in case something goes wrong. Please update Oportun a little tho thank !
-------------------------------------------I honestly love Oportun! ❤️It's super convenient i save really easy. I'm always so surprised when I look at my how much digit has saved for me. I don't even realize how much is actually taken out of my checking until I look. I can save for goals. Which just gives me that added incentive to transfer that extra $10 just because I can. Plus I can change my settings so that digit doesn't take out money from my bank if it's at a certain amount, which I love and so I know I won't be over drawn 😁😁😁 BEST APP! 🤑

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 Oportun 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!!!

I’m pretty disappointed with Oportun . 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 Oportun wouldn’t “save” if my account balance was below $50. Easy, right? Not really.
Oportun , 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 Oportun 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 Oportun 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 Oportun, but I’d be weary.