Keep the Change^® Savings Program

To participate in the Bank of America Keep the Change® Program

You'll need a Bank of America checking account with debit card and a savings account.^{Footnote 1}

As a participant in our free Keep the Change® Program, every bag of groceries, cup of coffee and tank of gas purchased with your Bank of America debit card automatically adds up to more savings for you.

To sign up for Keep the Change®

Checking account Debit card Savings account New customer? Just click Enroll now

A note about eligibility

Rewards cards are eligible for Keep the Change®, but are not eligible for the savings match. More information about matching your savings Money Manager and Small Business accounts are not eligible for Keep the Change®

Terms & Conditions

You currently have a checking account, debit card and savings account: You are ready to get started with Keep the Change®. Enroll in Keep the Change® You currently have a checking account and a debit card: Add a savings account to get started with Keep the Change®. Open a savings account You indicated that you have only a debit card and a savings account. A debit card is issued only in conjunction with a checking account. Please reset your choices and resubmit. You currently have a checking account and a savings account: Add a debit card to get started with Keep the Change®. Add a debit card to get started with Keep the Change You currently have a checking account: Add a savings account and get a debit card to get started with Keep the Change®. Once you have opened your savings account, we will contact you about adding a debit card to your existing checking account. Open a savings account You indicated that you have only a debit card. A debit card is issued only in conjunction with a checking account. Please reset your choices and resubmit. You currently have a savings account: Add a checking account with a debit card to get started with Keep the Change®. Open a checking account You currently do not have a checking account, debit card or savings account: Open a checking account with debit card and savings account to get started with Keep the Change®. Open checking and savings accounts

If you have multiple checking accounts, we will use the account associated with your debit card.

If you have multiple debit cards associated with your checking account, each debit card will be automatically activated for Keep the Change.

Rewards cards are not eligible for the match.

Terms & Conditions

Footnote¹ Purchases with rewards or ATM cards are not eligible for matching. We will match 100% of your Keep the Change® transfers for the first three months after you enroll. Thereafter, we will match 5%. The maximum total match is $250 per year. Matching funds are paid annually after the anniversary of enrollment on accounts that remain open and enrolled. Bank of America will only match Keep the Change® transfers on up to five checking accounts per depositor (including joint depositors) or up to five checking accounts per household, whichever is less. Eligible savings accounts include Regular Savings (or Market Rate Savings in WA and ID), which requires a minimum opening balance of $25 ($1 in WA and ID) and pays a variable annual percentage yield that is 0.05% as of 09/06/2010. Money Market Savings accounts are also eligible. We may cancel or modify the Keep the Change® service or any matching promotions at any time. Matching funds will be reported to the IRS on Form 1099. Fees may reduce earnings. Patent pending.

Keep the Change® Works Like This:

Saving while you spend

Enroll in our free Keep the Change® program, and with every purchase you make with your Bank of America debit card^{Footnote 2}, we'll:

• Round up your purchase to the nearest dollar amount
• Transfer the difference from your checking account to your savings account

We'll even match your savings.^{Footnote 2}

For the first 3 months, we'll match your Keep the Change® savings to the penny:

• When the 3 months are over, we'll continue matching 5% a year, every year - to make it even easier to save
• You could earn a total match of up to $250 per year. This Bank of America Keep the Change® program reward will be paid annually to your savings account

How Keep the Change® Works

Terms & Conditions

Footnote² Purchases with rewards or ATM cards are not eligible for matching. We will match 100% of your Keep the Change® transfers for the first three months after you enroll. Thereafter, we will match 5%. The maximum total match is $250 per year. Matching funds are paid annually after the anniversary of enrollment on accounts that remain open and enrolled. Bank of America will only match Keep the Change® transfers on up to five checking accounts per depositor (including joint depositors) or up to five checking accounts per household, whichever is less. Eligible savings accounts include Regular Savings (or Market Rate Savings in WA and ID), which requires a minimum opening balance of $25 ($1 in WA and ID) and pays a variable annual percentage yield that is 0.05% as of 09/06/2010. Money Market Savings accounts are also eligible. We may cancel or modify the Keep the Change® service or any matching promotions at any time. Matching funds will be reported to the IRS on Form 1099. Fees may reduce earnings. Patent pending.