Keep the Change makes it easy to save.

Save automatically when spending on everyday purchases.

As the holiday season gets underway, we’re all looking for easy ways to save. Keep the Change® makes savings a whole lot simpler. When you enroll, each time you buy something with your Bank of America Debit Card, we'll round up your purchase to the nearest dollar amount and transfer the difference from your checking account to your savings account. Since 2005, our customers have saved over $2 billion using Keep the Change!

We'll even match your savings.*

We match your Keep the Change savings at 5% a year, every year. And to help you get started saving, we will match 100% of your savings for the first three months! Up to a maximum total match of $250 per year.

Getting started is easy.

All you need is a Bank of America checking account, debit card and savings account.

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

Checking account

Debit card

Savings account

You currently have a checking account, debit card and savings account:
You are ready to get started with Keep the Change.

You currently have a checking account and a debit card:
Add a savings account to get started with Keep the Change.

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.

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.

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.

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.

Explore more ways to spend wisely and take control.

Online Banking
Control your accounts in one place.

Add It Up®
Do your holiday shopping online. Earn double cash back.

Power Rewards® Visa® Card
Earn cash back the way you want.

Mobile Banking
The ultimate, on-the-go, money management tool.

Deposit Image ATM
Image receipts let you bank with confidence.

*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% (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 account 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 09/29/2009. Money Market Savings accounts are also eligible. Matching funds will be reported to the IRS on Form 1099. Fees may reduce earnings. Patent pending.