Keep the Change® program makes saving automatic.

With the Keep the Change program, you can grow your savings automatically.

After your enrollment, we'll round up all your Bank of America^® debit card purchases to the nearest dollar amount, and transfer the difference from your checking account to your savings account.

Every cup of coffee, tank of gas and bag of groceries you buy adds up to more savings for you. What could be easier?

We’ll even match your savings^{Footnote 1}

We'll match 100% of your Keep the Change savings for the first 3 months. After that, we'll continue matching 5% a year. The maximum total match is $250 per year.

Grow your savings with every debit card purchase.

Getting started is easy

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

* 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.

¹ Purchases with rewards or ATM cards are not eligible for matching. Upon enrollment, we will round up your Mastercard® or Visa® Debit Card purchases to the nearest dollar and transfer the difference from your checking account to your Bank of America savings account. We will match 100% of your Keep the Change® transfers for the first three months after you enroll. Thereafter, we will match 5% (10% for California Tiered Interest Checking customers). 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 0.10% as of 07/31/10. Rates may change after the account is opened. Money Market Savings accounts are also eligible. Matching funds will be reported to the IRS on Form 1099. We may cancel or modify the Keep the Change® service or any matching promotions at any time without prior notice. Fees may reduce earnings. Patent pending.