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Keep the Change® Savings Program
Build your savings automatically
Round up each purchase to the nearest dollar and turn spare change into savings
How it works
Keep the Change® is an easy way to make everyday purchases part of your savings plan.
Enroll
First, enroll the Bank of America debit card Footnote[1] you use for daily purchases. Pro-tip, use this card for online and recurring payments to collect the most change.
Shop
Next, use your card for everyday purchases such as at drug stores, the drive-thru or for an impulsive, must-have online buy. In other words, spend like you normally would.
Save
Finally, we'll round up your purchase to the nearest dollar amount and transfer the change from your checking account to the enrolled savings account.
Watch the savings add up
Total spare change = +$0.00 / week
That could add up to +$0.00 / year
The round-ups from your debit card purchases are accumulated and transferred daily from your checking account to the enrolled savings account.
This calculator is for illustrative purposes only. Actual change saved could accrue faster the more you use your debit card.
Making the most of your rewards
Preferred Rewards
Get more rewards with your everyday banking
Program changes are coming in May 2026
Credit Card Cash Rewards
Get a 10% customer bonus into your checking or savings account.
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