Keep the Change® title graphic

Save automatically with every Check Card purchase
you make.

Saving is a whole lot simpler when you don’t have to think about it. That’s the idea behind Keep the Change. When you enroll, each time you buy something with your Bank of America Check Card, we’ll round up your purchase to the nearest dollar amount and transfer the difference from your checking account to your savings account. You get to keep the change – so every cup of coffee, gift, meal and tank of gas add up to more savings for you. What could be easier?

We’ll even match your savings1
We’ll match your Keep the Change savings for the first 3 months, to the penny. After that, we’ll continue matching 5% a year. The maximum total match is $250 per year.

 
 
Animation of a coffee cup, a gift bag and a chinese food box sitting on a table. When each of the three items is lifted up, change (in the form of coins) is exposed.

Getting started is easy

Simply select the account(s) you currently have, and click Enroll Now. If you need all three, just click Enroll Now*.

Checking Account
Check Card
Savings Account

* Rewards cards are not eligible for the match. Only personal accounts are eligible for Keep the Change. Money Manager and Small Business accounts are not eligible.

 

How it works

Check Card icon You spend with your Check Card: We round up the difference and transfer to your savings: Amount charged to your checking account:
Coffee cup icon $3.43 $0.57 $4.00
Chinese food icon $4.50 $0.50 $5.00
Gift icon $14.83 $0.17 $15.00
Savings: $1.24
 

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1Keep the Change Matching Promotion

We match 100% of the amount of your Keep the Change transfers during the first three months after you enroll, and we will match 5% thereafter. The maximum total match is $250 per year. Limited to five checking accounts.

Matching funds are paid annually after the anniversary of enrollment on accounts that remain open and enrolled. Savings accounts eligible to receive matching funds include, but are not limited to, Regular Savings, which requires a minimum opening balance of $25 and pays a variable Annual Percentage Yield that was 0.10% as of 11/22/09. Money Market savings accounts are also eligible. Fees could reduce earnings.

The promotional matching funds will be reported to the IRS on Form 1099.

Keep the Change patent pending.