How to Choose the Right Digital Bank in 2026
By Itai Varochik | Updated February 18, 2026 | 3 min read
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Frequently Asked Questions
Are digital banks safe?
If your deposits are FDIC insured (up to $250,000), they're as safe as any traditional bank. Always verify FDIC coverage before depositing significant amounts.
Can a digital bank be my primary bank?
Yes. Most digital banks support direct deposit, bill pay, mobile check deposit, and peer-to-peer transfers. The main limitation is no physical branches for cash deposits.
What about cash deposits?
Most digital banks partner with retail networks (Green Dot, MoneyPass) for cash deposits at convenience stores, but this can be inconvenient compared to traditional bank branches.