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Digital Bankroll Review (Updated 2024): Is Matthew Neer Striking Gold By Mixing Affiliate Marketing, MLM, and Email Marketing?

By: Joel & Josiah
digital bankroll review matthew neer

Matthew Neer has been grinding his Digital Bankroll affiliate marketing system since 2009, back when it was just a 7-page eBook.

My, how the times have changed.

After over a decade of experience, Neer has built up his empire, inviting all affiliate marketers to try out what he has to offer: a system of where you send out unsolicited emails to thousands of potential clients, and then even learn how to build your own product!

That’s right, Matthew Neer’s course actually teaches you how to build your own course


If you’re here, you probably saw one of Neer’s ads and figure you might as well to your due diligence to see if he’s a scammer or actually has a pretty sweet deal going on. You might even be checking out some other affiliate marketing gurus like Misha Wilson to see if they can offer you something even better.

And you know what? I get it.

The 9-5 grind is brutal, and we all wanna spend more time with our loved ones. Making money online is an increasingly attractive deal, and it’s definitely worth trying to figure out more info to see which path works best for you.

But you also probably know that there are tons of scammers out there who ALSO know that more people are hunting for online side hustles more than ever…and that’s when they pounce.

Good news: I’ve been reviewing these people for years now, writing articles on everything from affiliate marketing niches to how to become a real estate investor. And I gotta say, after a while you really start picking up signs of who the good guys are…and which bad guys to steer clear from.

So, I’ll take you through the pros and the cons of what Neer has to offer, we’ll see how much all this stuff costs, and if there’s anything better out there to fit your needs.

Now, let’s rock n’ roll with our Digital Bankroll review!

This Digital Bankroll review has been thoroughly researched with information and testimonials that are available to anyone in the public. Any conclusions drawn by myself are opinions.
Training Curriculum

Average Rating


Digital Bankroll is kind of an outdated course at this point, as its key elements include email marketing and MLM, both of which were more popular 10-20 years ago. Because of that, I can't really recommend any training with that as your main focus. I give a little boost in mentorship since Neer offers live events, and apparently there is a private community for you to network within.


  • Affiliate marketing has been around for a long time, meaning it's not a dying industry.
  • If you can really set up and run your own course effectively, that means you might be able to help others while making big money yourself.
  • Matthew Neer has been in the game since 2009, so that means he's got experience.


  • His program gives off some MLM vibes, which means you might just be trying to "recruit" more than selling any solid products.
  • The only reviews out there are pretty bad ones, meaning you are taking a risk.
  • Email marketing is one of the least-effective ways to make a sale, which means you'll be fighting an uphill battle.

Why Listen To Us?

My name is Josiah, and this is my Dad, Joel.

Together, we make up the team here at Scamrisk.

If you’ll let me bother you for two minutes, I’d like to quickly explain why I’m even here writing this review.

In early 2020, I had just graduated from college & had no real career prospects.

I knew I was destined for something more, but I had no clue how I was going to make it happen.

I had this sinking feeling in my gut all the time… like the “big man upstairs” had accidentally given me the version of life where I’d be mediocre forever, instead of the one where I was, ya know – happy & fulfilled.


I had fiddled around with some different online businesses in college:

Some random MLMs, a bit of affiliate marketing, a (failed) dropshipping store or two, all the usual suspects.

Even my dad had been involved in MLMs back in the day… selling knives & other random nonsense people (probably) didn’t need.

All I really wanted was to find something that was going to actually work for me.

Maybe those things had worked for others, but for me it all turned up a fat “0” in the bank account department.

So I searched! And searched… and searched… and searched…

And eventually, I somehow stumbled upon a program that promised to help me build an income online (read about it here if you’re curious).

I didn’t really want to be “rich”.

The thought of making a reliable $5K per month & not having to worry about clocking in to a 9-to-5 ever again was all I needed.

Sure, there were people in the program doing high-6 and low-7 figures per year… but that wasn’t what I was out for.

I just wanted to provide freedom for myself, and if I was lucky, take my family along for the ride.

Fast forward a few days and a few phone calls & I was enrolled!

Here’s the first “money making website” I put up:

I built that site in 2020, and it still makes me $1,500 per month. It’s a basic 5 page website I built based on a template the program provides.

The best part to me? My dad and I get to do it all together!

So between the:

  1. Ease of reaching $5-$10K per month in income online
  2. Straightforward-ness of the system to do it
  3. Fact that I get to do it w/ my family

Is why I recommend local lead generation as my #1 business model for making money online.

Sure, it takes some work and dedication – but anyone that tells you that there’s a business out there that requires no work is selling you a lemon.

I’m not saying you need to sign up for the same program I did, but I would definitely recommend giving the business model a peek!


TLDR – What’s The Verdict On Digital Bankroll?

what is digital bankroll

Digital Bankroll is kind of like affiliate marketing + email marketing + MLM all rolled into one!

The problem is that two of these are notoriously not great ways to make money online, and affiliate marketing has to be done right to be effective.

Email marketing has very poor conversion rates, but you probably already knew that.

Think about it, you know what an email with a sales pitch looks like by now, and it goes straight to your junk or never even gets opened. That’s a huge part of what Matthew Neer is selling you, so it’s already not a great start.

Now, you’ll get a number of “bonus emails” you can send to if you get someone else to buy into Neer’s program, which is where the MLM aspect comes from…but if email marketing is already a hard sell, then MLM’s bad reputation just makes things worse.

On top of all that, Neer will then teach you how to build your own online course, which will, in reality, just be another way for you to bring students under Neer’s umbrella of affiliate sales.

It’s a smart, pyramid-shaped idea with the guru at the top of it – so it’s no surprise Matthew Neer has been making money this way for so long.

None of this sounds like the best deal to me.

If you’re trying to figure out which way is the best way of making big money online, then I gotta recommend you try out Digital Leasing. I stumbled onto it, and it seems like one of those life-changing moves…maybe like buying into Bitcoin back in the early 2010’s.

All you have to do is help small businesses bring in customers, and you stack cash every month! It’s got way more stability and upside than Digital Bankroll, and you actually get a taste of the financial freedom so many gurus are promising.

The students seem extremely passionate about what they’re doing – not just getting by, but creating their own future.

digital leasing legit

But if you’d like to hear more about my Digital Bankroll review, then let’s keep on rolling.

Who Benefits From Digital Bankroll…And Who Doesn’t?

Time Investment1/5It takes time to send out thousands of emails, and takes even longer to see any money from it.
Level of Control1/5You work for Matthew Neer, and he can change your commissions at any point.
Ease of Implementation2/5It’s kind of easy to send out these emails, but it can take a lot of tedious effort do keep doing it.
Profit Potential1/5Very difficult to make money from an email marketing/MLM hybrid.

Matthew Neer has been grinding out affiliate marketing for a while now, and at this point it’s pretty clear he knows how to market himself and earn a ton of money doing it.

But as we know, just because you can make yourself money, doesn’t mean it makes you a great coach to others. Neer’s program is pretty expensive, which isn’t a big deal as long as you’re getting some nice value out of it and can earn back the money later.

So, how do you know if you’re making the right choice with Digital Bankroll?

Well, Neer’s program might be for you if…

  • Sending cold-emails is something you don’t mind doing
  • You don’t mind waiting months for a paycheck
  • You’ve tried other courses (like Affiliate Marketing Mastery) and want something higher-ticket

But it’s probably not for you if…

  • You don’t have the cash for the upfront costs
  • Some of the sketchy reviews have you concerned
  • You’d had bad experiences with MLM-shaped business before

Digital Bankroll At A 1,000 FT View

digital bankroll affiliate marketing

Digital Bankroll is unique in that it blends a few different business models together…I’m just not sure how many of them are actually good.

Email marketing is notoriously low-upside, as even email marketing specialists having to admit the marketing click rate is only 2% on average.

You know those calls from people with thick accents trying to sell you something? That’s what you’re doing here, but over email instead. The reality is that you’re most likely gonna be targeting the elderly, or people who don’t really know what they’re doing online.

Not my idea of a good time.

And then you’re basically recruiting people to Neer’s program to do exactly what you’re doing – which means that every email you send is gonna be redundant, and loses value every time you recruit someone.

So even when you win, you lose.

And the cherry on top? Neer will train you how to build your own course, so you can train more affiliates and generate more sales traffic toward his website.

Once you start moving away affiliate marketing and toward something more powerful like local lead generation, you realize how silly all of Neer’s sales pitch sounds.

Why would you choose to wait a long time for affiliate commissions (if you ever see them) who will just end up being direct competition to you anyway?

With Digital Leasing, you’ll have your own business set up in weeks and actually selling something that benefits other local business – customers. This way, you’ll be spending more time with your loved ones, all while selling a product with way more demand than some sketchy MLM-style product.

If it’s financial freedom you’re after, give it a shot!

Who Is Matthew Neer?

who is matthew neer digital bankroll

Matthew Neer is the creator of the infamous Digital Bankroll program, where he blends email marketing with Multi Level Marketing tactics. He tried working a normal job delivering pizzas as an 18 year old, but he soon realized that he wanted a lot more out of life – so he joined up with some MLMs.

And now he’s worth 7-figures. Not bad!

He started out email marketing in the 2000’s, eventually starting up Digital Bankroll as a way of scaling up his income.

When he’s not marketing on the internet or rolling out events, apparently Neer loves traveling and skateboarding.

How Much Does Digital Bankroll Cost?

how much does digital bankroll cost

So, how much does Digital Bankroll cost?

There are three tiers to the pricing, and things escalate real quick:

  • Silver Level: $997
  • Gold Level: $5,000
  • Diamond Level: $25,000

I wasn’t kidding!

There’s a big difference between $997 and $25,000, so make sure you figure out if any of these tiers are worth it for you.

Digital Bankroll Refund Policy

matthew neer digital bankroll refund policy

Not only does Neer apparently not offer refunds, but as you can tell in the screenshot above, his primary targets may include the vulnerable elderly.

This is an inevitable outcome when you’re trying solely rely on an outdated tactic like email marketing!

Personal Opinion On Digital Bankroll

is digital bankroll scam or legit

There are so many frauds out there, and I know that people get especially nervous when they hear anything about MLMs.

So…how do we make sure you don’t fall into the wrong program?

  • Think about if you can afford the upfront costs
  • Question whether you see yourself doing this for the rest of your life
  • Look out for student reviews to see what other people are saying

If you can’t already tell, I don’t really like Digital Bankroll at all.

But to be fair, here are 3 things I do like about it:

  1. Matthew Neer has decades of experience
  2. Affiliate marketing can work if you do it right
  3. Technically you can make money at the top of MLMs

…and, on the other hand, 3 things I don’t really like:

  1. Email marketing should NOT be your main source of marketing
  2. Affiliate marketing is best with a built-in social media following, not mentioned at all here
  3. Takes months to get paid, if you ever do earn a commission

Is There A Digital Bankroll Scam Going On Here?

Social Media Page

“Digital Bankroll scam” pops up all the time in searches, probably because of its reputation and the fact people just wanna make sure they aren’t wasting their time and money.

So, is Matthew Neer running a scam?

It depends what you mean by “scam”.

Some MLMs out there will take money without having any real product for you to sell, which would be a scam.

With Digital Bankroll, technically you’ll learn a thing or two about email marketing and how to run a course…but the product you’ll be selling is Neer’s course.

So, you could say it walks the line, but might not technically be a scam.

The problem I have with Digital Bankroll is that it’s just a terrible business model. Some people try email marketing and MLMs for decades of their life, and still struggle to pay their bills!

That’s doubling down where you messed up.

If you really want some reliable passive income, then you need a real mentor who will walk you through the right business model. Something that gets you paid in weeks, not months or years. If you get into something like Digital Leasing that helps your local community, snowballing your success into guaranteed income that keeps your clients running back for more…

…it might just provide that financial freedom you’re really looking for, where you can stack some cash and watch it roll in every month!

What’s Inside Digital Bankroll?

Whats inside digital bankroll

Here’s a brief list of what you’ll get with each tier of Digital Bankroll:

  • SILVER: Done For You templates, 6-week study course, weekly webinars
  • GOLD: Private community, 6-week study course, weekly Zoom calls
  • DIAMOND: 2 Day Mastermind Weekend in Miami, DFY templates, VIP launch and dinner

Basically, you’ll have to figure out if $25,000 is worth working closely with Matthew Neer and the other head folks at the company.

Conclusion Of My Matthew Neer Review

So, should you drop everything and sign up with Digital Bankroll?

Definitely not.

Again, I don’t have anything against Matthew Neer. He clearly knows how to market himself, and has made a ton of money from his top-down business structure…

…but it’s a really tough business model for students to succeed with.

Back in the 2000’s (when Neer got started), it’s easier to see email marketing working. But these days, people are so used to spammy sales offers all over their computers and phones that they subconsciously filter them out right away.

Spending high-ticket dollars on a low-upside, risky investment is not my style.

Instead, go after something smart and straightforward: Digital Leasing. You bring customers into local businesses, and your wallet gets fatter. Oh, and you won’t have to wait months to see that cash, either!

Who knows, maybe you’ll even work from the beach one day…

What’s My #1 Way To Make Money In 2024?

What Is My Top Recommendation For Making Money Online - Digital Leasing

After exploring various business models, I recommend Digital Leasing for beginners entering the online business world.

  1. Flexibility: Whether you have just an hour to spare or want to go full-time, Digital Leasing is tailored for “passive income” – more gains with less effort.
  2. Ownership and Control: Digital Leasing grants you outright ownership of assets, ensuring control and impressive profit margins ranging from 90-95%. With Matthew Neer’s program, you’re forced to sell one thing and one thing only: membership to Digital Bankroll! It’s very limiting, and your commissions can change whenever Neer feels like it.
  3. Low Startup Costs: You can begin with minimal upfront expenses with Digital Leasing. You might even start earning before spending a dime, and your initial property can go live for less than $100. But with Digital bankroll, you’re gonna be knee-deep in debt from the start, especially if you go with their Diamond option!
  4. Minimal Ongoing Expenses: Digital Leasing keeps it straightforward with minimal maintenance and expenses.
  5. Easy to Duplicate: Once your first digital property is up and running, doubling your income becomes a breeze – just a few clicks, keystrokes, and maybe a call away. If you wanted to double up your email leads, you’ll have to pay Neer double just to get ahold of them! And then you’ve gotta send out twice as many emails…it’s just a lot of work for not a lot of reward.
  6. Helping Real People: Digital Leasing extends beyond numbers, allowing you to support local businesses and make money while genuinely impacting people’s lives. With Digital Bankroll, you’re only helping Matthew Neer.

The choice is yours. Keep exploring options like Digital Bankroll, keep researching, or join a community of over 2,000 successful students living life on their terms with Digital Leasing.

Experience a steady, semi-passive income stream that doesn’t demand constant attention.

Your success goes beyond numbers – it’s about assisting real people who appreciate and happily pay for your services.

If consistent income, flexibility, and helping others align with your goals, click here to learn more about Digital Leasing.

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