Home Savings Vault


Start saving for your first home

With Home Savings Vault by Enclave, we help match a portion of what you save towards home ownership.



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Enclave matches your home savings


Saving for a home is a long-term commitment. That’s why Enclave contributes when you do.

Milestones designed for home buying

Enclave helps you save for all costs associated with a home purchase so there aren’t any surprises when you’re ready to buy.




Not all down payments need to be 20%


You’ve probably heard you should save 20% for your first home. This isn’t always true, and we’ll walk you through pros and cons of other options.




Learn while you earn


An educated buyer makes better decisions. While you save with Enclave, you'll learn about each step of the home buying process.

Joint accounts


Open a joint Enclave account to save for your home twice as fast. Because everyone knows two savers are better than one!

Serious Security

Rest assured, your money is safe. Funds in your Enclave Vault by Digs account are insured by the FDIC for up to $250,000.

Bank Level Encryption

When it comes to your money, we don’t take any chances. In addition to insuring your money, all your sensitive information is encrypted at the highest level, comparable to even big banks.

Account Verification

Anytime you log in, withdraw, deposit or interact with your Enclave account in any way, we’re always checking to make sure you are…you. All you have to do is keep saving for your home.

Fraud Monitoring

In addition to automatic fraud detection and monitoring, our team is always on the lookout for suspicious activity. If any issues arise or we suspect foul play, you will be notified immediately.

Data Security

Your privacy is just as important as your money, so we take the security of your data very seriously. We don’t store any of your sensitive financial data.
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All Features

✔ Contribution matching

✔ Home buyer milestones

✔ Down payment calculator

✔ Withdraw anytime, $0 fees

Expert content & advice

Home buyers checklist

Lender recommendations

Account support

Joint accounts

FDIC insured up to $250,000

Bank-level encryption

2-factor authentication

Frequently Asked Questions

All the answers in one place.

Yes, the most you can earn each month is $40 in Enclave's matches. In order to reach this maximum, you would have to contribute $1,350 of your own money each month.

Enclave's matches are designed to kickstart your savings, meaning we match more money upfront. We also do not want to discriminate against those who can't save as much as others.

Our tiered matching is outlined below:

First $50/month = $1:$5 matching

Next $100/month = $1:$10 matching

Next $200/month = $1:$20 matching

Next $1,000/month = $1:$100 matching

Yes. Our matching expires after 5 years. (Keep in mind, the money that you put in your account will never expire. It is FDIC insured up to $250,000 and can be withdrawn at any time.)

First, it’s important to know that the funds we contribute are reserved for a home purchase. So if you are saving for a vacation or new gadget, we are not the place to do so. You can think of our funds as “homebuyer credits.” They can be redeemed through our network of lenders who will honor the additional funds when you buy a home. You will be given these funds at the closing table.

Enclave Vault accounts do not earn traditional interest. We've come up with a unique contribution matching program that allows our customers to earn more money towards a real estate transaction than they could earn in a traditional interest bearing account.