Your phone bill goal operates a bit differently from your Rainy Day, personal goals, and debt goals when it comes to saving: when Digit will start putting funds towards your bill is dependent on the date that you set as your due date in relation to the date that you finish setting up your goal.
Once your goal is fully set up, Digit will start to look for opportunities to save for your bill and will send payment directly to your biller ahead of the due date. If your due date is less than 15 days from the date your goal is created, Digit will start to save for the next month's bill after your upcoming due date passes.