Yes. Every new user gets a 7-day free trial to link their accounts, set up payoffs, and experience how the app works. You won’t be charged until the trial ends, and you can cancel at any time before then.

We charge a fee to cover the costs of connecting to your accounts, automating payments, and providing ongoing support. It’s designed to be far less than the interest you save by paying down debt faster. It's an investment in your debt-free future.

Ditch tracks your round-ups as you spend, but the money stays in your bank account until they add up to a payment: $10 for your first, then every $20 (or an amount you choose). We’ll let you know before each payment goes out, and you’ll have 24 hours to cancel if you need to.

No. You configure your overdraft protection ($100 minimum). We always check your account balance before initiating a withdrawal. If there aren’t enough funds available, we won’t pull money, so you’re protected from us causing an overdraft.

Never. Your financial data is private and securely encrypted. We don’t sell your personal information or share it with third parties beyond the trusted partners required to provide our service. It's part of the reason you pay for the product.

Not yet! Right now all round-ups go toward reducing what you owe, and savings support is something we’re exploring.