Digital Bankroll Review: Should You Join?

If you’d told me a decade ago that I’d be making a six-figure income online—working from home, setting my own hours, and helping others do the same—I probably would’ve laughed you off. Like a lot of entrepreneurs, my journey started with late nights, failed side hustles, and more “get rich quick” schemes than I care to admit. I’ve tried everything from dropshipping to freelance gigs, survey sites, and even a few questionable MLMs before finally cracking the code with a full-time online business.

That’s why I take every new “done-for-you” system or passive income promise with a heavy dose of skepticism—especially when it’s pitched as the shortcut to financial freedom. Enter Digital Bankroll by Matthew Neer. If you’ve been searching for ways to make money online lately, you’ve probably seen his name pop up, along with bold claims of automated affiliate income streams and easy five-figure months. But does Digital Bankroll actually deliver on its promises, or is it just another shiny object in a crowded marketplace?

In this review, I’ll break down exactly what Digital Bankroll is, how it works, and—most importantly—whether it’s worth your time and hard-earned money. I’m coming at this with years of real-world experience and a healthy respect for both the potential and pitfalls of internet entrepreneurship. So grab a coffee, and let’s dive in.

What is Digital Bankroll?

Digital Bankroll is Matthew Neer’s flagship “done-for-you” affiliate marketing program, and it’s pitched as a shortcut for building a profitable online business—even if you don’t have much experience or technical know-how. The core promise? You get a ready-made system that combines affiliate marketing, email list building, and a dash of multi-level marketing (MLM) to help you earn commissions by promoting digital products—including, most notably, Digital Bankroll itself.

When you join, you’re handed pre-built landing pages, email templates, and sales funnels. The training walks you through the nuts and bolts of driving traffic (mainly through paid ads), capturing leads, and setting up automated email sequences that do the selling for you around the clock. You’ll also learn how to research profitable niches, create compelling offers, and optimize your sales funnels for maximum conversions. The “sell before you build” approach is a big part of the pitch, letting you test market demand before you go all-in on a product or niche.

But here’s the real kicker: a lot of the “top selling products” you’re encouraged to promote are actually Matthew’s own courses and done-for-you programs. So, while you can theoretically apply the training to other affiliate offers, the system is heavily geared toward reselling Digital Bankroll and its upgrades. That’s where the MLM element sneaks in—earnings don’t just come from sales, but also from recruiting others to join the program and buy into the same system.

In short, Digital Bankroll teaches you to make money by leveraging affiliate marketing, email marketing, and automation, but the primary focus is on using these skills to promote the very system you just bought into.

Recommendation: Here’s The Best Alternative

Who Created Digital Bankroll?

Digital Bankroll is the brainchild of Matthew Neer, a name that’s been floating around the internet marketing space for over a decade. Like me, Matthew started at the bottom—he was a pizza delivery guy before he stumbled into affiliate marketing and, according to his story, pulled off his first million-dollar product launch at just 24. Since then, he’s launched more than 25 digital products and software systems, racking up awards on platforms like ClickBank, WarriorPlus, and JVZoo.

Matthew’s reputation is a bit of a mixed bag. On one hand, he’s undeniably skilled at digital marketing and product launches—his sales numbers and customer base speak for themselves. On the other hand, some in the industry question whether he makes more money selling the dream of passive income than actually living it himself. His products, including Digital Bankroll, often blend solid affiliate marketing strategies with aggressive upsells and MLM-style recruitment, which has drawn both praise and criticism.

Personally, I respect his hustle and marketing chops, but I also approach his offers with a healthy dose of caution. He’s a savvy marketer who knows how to package and sell systems, but not every student ends up with the same results.

Who is Digital Bankroll For?

Digital Bankroll is best suited for a specific type of person—and it’s definitely not for everyone. If you already have some experience with online business, especially in affiliate or email marketing, and you’re looking for a way to automate and scale your efforts, you’ll probably get the most value from what’s inside. The program is also a fit for those who are willing and able to invest a significant amount of money upfront, and who are comfortable with the idea of promoting high-ticket offers (including the very program you just joined).

Here’s who Digital Bankroll works best for:

• Experienced online business owners who want to streamline and scale their affiliate marketing efforts
• Passive income seekers who are willing to invest in paid traffic and automation tools
• Action-takers who aren’t afraid to promote “done-for-you” systems and recruit others into the program

On the flip side, Digital Bankroll is probably not for you if:

• You’re brand new to online business or have zero marketing experience (the learning curve and investment are steep)
• You’re looking for a quick, guaranteed way to get rich online
• You prefer building your own brand or promoting a wide range of independent offers (rather than reselling the same system)
• You’re uncomfortable with MLM-style compensation structures or aggressive upsells

In my opinion, if you’re serious about building a long-term, sustainable online business—and you’re willing to put in the work to learn real skills—there are more transparent and flexible ways to do it. But if you’re after a plug-and-play system and don’t mind the MLM angle, Digital Bankroll might be worth a closer look.

Recommendation: Here’s The Best Alternative

How is Digital Bankroll Structured?

Digital Bankroll is laid out as a comprehensive training program and system, designed to take you from the basics of building an online business all the way through to advanced automation and scaling strategies. Here’s a breakdown of the modules and main content areas you’ll find inside:

• Business Basics: Lays the groundwork for launching and understanding an online business, covering foundational principles you need to succeed.
• Niche Market Research: Teaches you how to analyze different industries and pick a profitable niche based on your interests and market demand.
• Offer Creation: Walks you through crafting irresistible offers using proven formulas to attract buyers.
• Product Development: Guides you in turning your ideas into digital products, like online courses or info products.
• Advertising: Covers paid advertising strategies, including how to get your offers in front of the right audience using platforms like Google and Facebook.
• Marketing: Focuses on creating compelling marketing messages and content that convert leads into customers.
• Sales: Teaches you a repeatable sales process that works across different niches and business models.
• Automation: Shows you how to set up systems and tools that automate your lead generation and sales processes.
• Web & Funnel Design: Provides training on building the two types of websites and sales funnels essential for digital business success.
• Accounting, Legal & Tax: Dives into the nitty-gritty of managing your business finances, legal setup, and taxes.
• Management & Hiring: Offers advice on expanding your team and handling hiring or firing as your business grows.
• Operations: Helps you manage the day-to-day running of your business as it scales.

The program is structured to be “done for you” in many aspects, with templates, funnels, and systems you can implement right away, but there’s still a learning curve if you’re new to these concepts.

Are Digital Bankroll Students Getting Results?

This is where things get a bit complicated. On the official Digital Bankroll site, you’ll find glowing testimonials from users who claim to have achieved impressive results. For example:

“Matthew Neer’s training is top tier! I highly recommend that you take action and join forces with him to increase your bottom line.” — Joel Therien, NowLifestyle.com

“Absolutely love Matthew’s tips on email marketing, he has helped me almost double my open rates thanks to a few simple tricks.” — Richard Weberg, eMoneyPeeps.com

“Matthew knows sales funnels and conversion! If you have the chance to work with him, make sure you take action!” — Greg Chambers, TrafficAuthority.net

However, it’s important to note that many of these testimonials come from established marketers or affiliates who may have a vested interest in promoting the program. Independent reviews are mixed. Some students report seeing results, especially those who already have experience in affiliate or email marketing, but others have raised concerns about the program’s reliance on recruiting new members and the low conversion rates of email marketing.

There are also reports from dissatisfied customers who claim they were “ghosted” after paying for higher-tier packages, and some allege they were unable to get support or see a return on their investment. So while there are success stories, there are also enough negative experiences out there to warrant caution.

Recommendation: Here’s The Best Alternative

How Much Does Digital Bankroll Cost?

Digital Bankroll isn’t cheap, and the price depends on which tier you choose:

• Digital Bankroll Community: $100 per month. This entry-level option gives you access to the core community and foundational training.
• High Ticket System (Gold): $10,000 one-time. Aimed at more advanced users, this tier includes higher-level marketing strategies, advanced automation, and more personalized support.
• Mastermind (Diamond): $25,000 one-time. This top-tier package grants access to live mastermind events and exclusive networking opportunities.

There’s also a Silver version, which has been listed at $997 in some reviews, likely as a basic video training package.

Refund Policy:
This is a major sticking point—Digital Bankroll has a strict no refund policy. Once you pay, your money is locked in, regardless of whether you see results or not. For me, that’s a big red flag, especially given the high ticket prices and the mixed feedback from past students.

So, if you’re considering Digital Bankroll, make sure you’re fully committed and understand the risks before investing.

Praises For Digital Bankroll

As someone who’s spent years in the trenches of online business, I always look for the genuine strengths in any program I review. Here’s what stands out about Digital Bankroll:

• Done-For-You Simplicity
  One of the biggest appeals of Digital Bankroll is its “done-for-you” setup. Matthew Neer and his team handle much of the heavy lifting—building funnels, providing email templates, and setting up the core marketing systems. For anyone overwhelmed by the tech side or just wanting to shortcut the setup process, this can be a massive time-saver. It allows you to focus more on traffic and sales, rather than getting bogged down with the technical details.

• Comprehensive Training
  The course doesn’t just throw you into the deep end. It covers a wide range of topics, from business basics and niche research to advanced advertising, automation, and even legal and tax considerations. This breadth can be especially valuable for those looking to build a well-rounded understanding of digital business.

• Strong Community and Support (at Higher Tiers)
  The higher-priced tiers offer access to mastermind events, private communities, and direct support from Matthew’s team. For entrepreneurs who thrive on networking and learning from others, this can be a real asset—especially if you’re aiming to scale quickly or break into higher ticket sales.

• Track Record of the Creator
  Matthew Neer is not just some random internet marketer. He’s been around for over a decade, with multiple successful product launches and awards from major affiliate platforms like ClickBank and JVZoo. His experience and reputation in the affiliate marketing world offer some reassurance that you’re learning from someone who’s actually walked the walk.

• Potential for High Earnings (If You’re Experienced and Proactive)
  There are testimonials from students and fellow marketers who claim to have made significant commissions using Matthew’s systems—some even citing six-figure results. While these are likely outliers, they do show that the system can work for those who know how to leverage it.

Recommendation: Here’s The Best Alternative

Criticisms For Digital Bankroll

Of course, no program is perfect—and Digital Bankroll has its fair share of drawbacks and red flags. Here’s what you should watch out for:

• Heavy MLM/Pyramid Scheme Vibes
  The business model relies heavily on recruiting others into the system and earning commissions from their purchases, rather than selling independent products or services. This MLM structure means your income potential is often tied to bringing in new members, which can feel ethically murky and unsustainable in the long run.

• Low Email Marketing Conversion Rates
  The core strategy revolves around email marketing, but the reality is that cold email campaigns have notoriously low conversion rates—often as low as 1.5%. With so many people ignoring or marking marketing emails as spam, it’s an uphill battle to get meaningful results unless you have a massive, high-quality list and know how to nurture it.

• Intense Competition and Lack of Differentiation
  Since everyone in Digital Bankroll is using the same funnels, templates, and offers, you’re essentially competing against other members for the same pool of leads. This “cookie-cutter” approach makes it hard to stand out, and can quickly saturate the market, reducing everyone’s chances of success.

• High Upfront Costs and No Refunds
  The program is expensive, with tiers ranging from $997 up to $25,000, and there’s a strict no-refund policy. For many, this is a huge risk—especially given the mixed results and reports of students being “ghosted” after paying large sums for higher-tier packages.

• Questionable Long-Term Value
  The focus on promoting Digital Bankroll itself means you’re not really building your own brand, assets, or business. If the program shuts down or changes its terms, you could lose everything overnight. True online business success comes from building something you own and control—not just reselling someone else’s system.

• Mixed Reputation and Reports of Poor Support
  While Matthew Neer has a history of successful product launches, there are also numerous complaints from students who feel scammed, ignored, or left without support after investing significant money. This inconsistency in customer experience is a major concern for anyone considering a high-ticket program.

Should You Join Digital Bankroll?

After digging deep into Digital Bankroll and weighing it against my own experience as a full-time online entrepreneur, my honest answer is: it depends on your goals, skill level, and risk tolerance.

If you’re already skilled in affiliate and email marketing, and you’re comfortable with high-ticket investments, you might find some value in the “done-for-you” systems and advanced training Digital Bankroll offers. The program does give you access to pre-built funnels, email templates, and a step-by-step process for launching digital offers. And Matthew Neer, the creator, does have a track record as a top affiliate marketer.

But here’s where I have to be brutally honest. The heavy reliance on recruiting others and reselling the same program gives Digital Bankroll a real MLM vibe. Most of the positive testimonials seem to come from affiliates or those with a vested interest in promoting the system, not from everyday students showing consistent, independent results. The costs are steep—starting at $997 and climbing to $25,000 for the top tiers—with no refund policy in place. That’s a huge risk, especially when there are numerous reports of students being “ghosted” after paying for higher tiers, and concerns about support and long-term business sustainability.

In my view, unless you’re prepared to invest a lot of money with no guarantees and are comfortable with the program’s MLM elements, you’re better off learning how to build a real, independent online business from scratch. The skills you develop that way are yours forever—and you won’t be at the mercy of someone else’s platform or business decisions.

Recommendation: Here’s The Best Alternative

Digital Bankroll Alternative

If you’re serious about building a long-term, sustainable online business—and you want to avoid the pitfalls of high-ticket, MLM-style programs—my top recommendation is Wealthy Affiliate.

Wealthy Affiliate has been around since 2005 and is trusted by over 2.6 million members worldwide. Unlike Digital Bankroll, it focuses on teaching you how to build your own affiliate marketing business from the ground up, in any niche you choose—not just reselling the same system over and over. The platform is packed with step-by-step training, live weekly classes, daily video tutorials, and a massive library of resources that cover everything from SEO and content marketing to paid ads, social media, and email marketing.

Here’s why I recommend Wealthy Affiliate over Digital Bankroll:

• Beginner-Friendly and Transparent: You can get started with a free Starter Membership—no credit card required. This gives you access to core training, your first website, and the community, so you can test-drive the platform before spending a dime.
• All-in-One Platform: Wealthy Affiliate includes website hosting, keyword research tools, and a supportive community, so you don’t need to juggle multiple subscriptions or upsells.
• Proven Track Record: With a 4.9/5 rating on TrustPilot and an A+ rating from the BBB, Wealthy Affiliate has a reputation for delivering real value and supporting its members’ success.
• No MLM or High-Pressure Upsells: The focus is on genuine affiliate marketing—building your own brand and assets, not recruiting others into a closed system.
• Affordable and Scalable: Premium memberships start at $49/month or $497/year, with no hidden fees or high-ticket surprises. You can scale up as you grow, and there’s never any pressure to upgrade.

If you want to learn how to make money online the right way—by building real skills, creating your own digital assets, and having full control over your business—Wealthy Affiliate is hands-down the best place to start. I wish I’d found it sooner in my journey, and I can honestly say it’s the platform I’d recommend to anyone serious about building a sustainable online income.

So, before you shell out thousands on a risky program like Digital Bankroll, take Wealthy Affiliate for a spin. You’ve got nothing to lose—and a real online business to gain.

Recommendation: Here’s The Best Alternative