{"id":104116,"date":"2025-06-02T08:48:56","date_gmt":"2025-06-02T08:48:56","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/"},"modified":"2025-06-02T08:48:56","modified_gmt":"2025-06-02T08:48:56","slug":"what-is-bank-of-america-keep-the-change","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/","title":{"rendered":"What is Bank of America Keep the Change?"},"content":{"rendered":"<p>Bank of America&#8217;s Keep the Change program is a unique way for customers to save money effortlessly while using their debit card for purchases. This innovative program rounds up each purchase made with a Bank of America debit card to the nearest dollar and transfers the difference from your checking to your savings account. So, if you were to make a purchase for $4.75, Bank of America would round up to $5.00 and move $0.25 from your checking account to your savings account. This service aims to help customers save more money without having to think about it, making it a convenient and easy way to build up your savings over time.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#FAQs\" title=\"FAQs\">FAQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#1_How_does_Bank_of_Americas_Keep_the_Change_program_work\" title=\"1. How does Bank of America&#8217;s Keep the Change program work?\">1. How does Bank of America&#8217;s Keep the Change program work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#2_Can_I_enroll_in_Bank_of_Americas_Keep_the_Change_program\" title=\"2. Can I enroll in Bank of America&#8217;s Keep the Change program?\">2. Can I enroll in Bank of America&#8217;s Keep the Change program?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#3_Is_there_a_fee_for_using_Bank_of_Americas_Keep_the_Change_program\" title=\"3. Is there a fee for using Bank of America&#8217;s Keep the Change program?\">3. Is there a fee for using Bank of America&#8217;s Keep the Change program?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#4_Can_I_choose_which_purchases_are_rounded_up_in_Bank_of_Americas_Keep_the_Change_program\" title=\"4. Can I choose which purchases are rounded up in Bank of America&#8217;s Keep the Change program?\">4. Can I choose which purchases are rounded up in Bank of America&#8217;s Keep the Change program?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#5_What_happens_if_I_dont_have_enough_funds_in_my_checking_account_for_a_round-up_transfer_in_Bank_of_Americas_Keep_the_Change_program\" title=\"5. What happens if I don&#8217;t have enough funds in my checking account for a round-up transfer in Bank of America&#8217;s Keep the Change program?\">5. What happens if I don&#8217;t have enough funds in my checking account for a round-up transfer in Bank of America&#8217;s Keep the Change program?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#6_Can_I_opt_out_of_Bank_of_Americas_Keep_the_Change_program_at_any_time\" title=\"6. Can I opt out of Bank of America&#8217;s Keep the Change program at any time?\">6. Can I opt out of Bank of America&#8217;s Keep the Change program at any time?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#7_How_much_money_can_I_save_with_Bank_of_Americas_Keep_the_Change_program\" title=\"7. How much money can I save with Bank of America&#8217;s Keep the Change program?\">7. How much money can I save with Bank of America&#8217;s Keep the Change program?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#8_Are_there_any_restrictions_on_what_I_can_use_my_savings_from_Bank_of_Americas_Keep_the_Change_program_for\" title=\"8. Are there any restrictions on what I can use my savings from Bank of America&#8217;s Keep the Change program for?\">8. Are there any restrictions on what I can use my savings from Bank of America&#8217;s Keep the Change program for?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#9_Can_I_withdraw_the_savings_from_Bank_of_Americas_Keep_the_Change_program_at_any_time\" title=\"9. Can I withdraw the savings from Bank of America&#8217;s Keep the Change program at any time?\">9. Can I withdraw the savings from Bank of America&#8217;s Keep the Change program at any time?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#10_Are_there_any_limits_to_how_much_I_can_save_with_Bank_of_Americas_Keep_the_Change_program\" title=\"10. Are there any limits to how much I can save with Bank of America&#8217;s Keep the Change program?\">10. Are there any limits to how much I can save with Bank of America&#8217;s Keep the Change program?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#11_Will_Bank_of_America_notify_me_of_the_round-up_transfers_in_the_Keep_the_Change_program\" title=\"11. Will Bank of America notify me of the round-up transfers in the Keep the Change program?\">11. Will Bank of America notify me of the round-up transfers in the Keep the Change program?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#12_How_can_I_track_the_savings_from_Bank_of_Americas_Keep_the_Change_program\" title=\"12. How can I track the savings from Bank of America&#8217;s Keep the Change program?\">12. How can I track the savings from Bank of America&#8217;s Keep the Change program?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_How_does_Bank_of_Americas_Keep_the_Change_program_work\"><\/span>1. How does Bank of America&#8217;s Keep the Change program work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nBank of America&#8217;s Keep the Change program rounds up each purchase made with a Bank of America debit card to the nearest dollar and transfers the difference from your checking to your savings account.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_I_enroll_in_Bank_of_Americas_Keep_the_Change_program\"><\/span>2. Can I enroll in Bank of America&#8217;s Keep the Change program?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, as long as you have a Bank of America checking and savings account, you can enroll in the Keep the Change program.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Is_there_a_fee_for_using_Bank_of_Americas_Keep_the_Change_program\"><\/span>3. Is there a fee for using Bank of America&#8217;s Keep the Change program?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, there is no fee for using Bank of America&#8217;s Keep the Change program. It is a free service offered to Bank of America customers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_I_choose_which_purchases_are_rounded_up_in_Bank_of_Americas_Keep_the_Change_program\"><\/span>4. Can I choose which purchases are rounded up in Bank of America&#8217;s Keep the Change program?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, all purchases made with your Bank of America debit card will be rounded up to the nearest dollar in the Keep the Change program.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_happens_if_I_dont_have_enough_funds_in_my_checking_account_for_a_round-up_transfer_in_Bank_of_Americas_Keep_the_Change_program\"><\/span>5. What happens if I don&#8217;t have enough funds in my checking account for a round-up transfer in Bank of America&#8217;s Keep the Change program?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you do not have enough funds in your checking account for a round-up transfer, the transfer will not be made.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_I_opt_out_of_Bank_of_Americas_Keep_the_Change_program_at_any_time\"><\/span>6. Can I opt out of Bank of America&#8217;s Keep the Change program at any time?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can opt out of the Keep the Change program at any time by contacting Bank of America customer service.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_How_much_money_can_I_save_with_Bank_of_Americas_Keep_the_Change_program\"><\/span>7. How much money can I save with Bank of America&#8217;s Keep the Change program?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe amount you can save with the Keep the Change program will depend on how frequently you use your Bank of America debit card for purchases.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Are_there_any_restrictions_on_what_I_can_use_my_savings_from_Bank_of_Americas_Keep_the_Change_program_for\"><\/span>8. Are there any restrictions on what I can use my savings from Bank of America&#8217;s Keep the Change program for?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, you can use the savings from the Keep the Change program for any purpose you choose.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_withdraw_the_savings_from_Bank_of_Americas_Keep_the_Change_program_at_any_time\"><\/span>9. Can I withdraw the savings from Bank of America&#8217;s Keep the Change program at any time?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can withdraw the savings from the Keep the Change program at any time without any penalties.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Are_there_any_limits_to_how_much_I_can_save_with_Bank_of_Americas_Keep_the_Change_program\"><\/span>10. Are there any limits to how much I can save with Bank of America&#8217;s Keep the Change program?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThere are no explicit limits to how much you can save with the Keep the Change program, but the program is designed to help customers save small amounts over time rather than large lump sums.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Will_Bank_of_America_notify_me_of_the_round-up_transfers_in_the_Keep_the_Change_program\"><\/span>11. Will Bank of America notify me of the round-up transfers in the Keep the Change program?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, Bank of America will send you notifications of the round-up transfers made from your checking account to your savings account through the Keep the Change program.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_How_can_I_track_the_savings_from_Bank_of_Americas_Keep_the_Change_program\"><\/span>12. How can I track the savings from Bank of America&#8217;s Keep the Change program?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou can track the savings from the Keep the Change program by checking your Bank of America savings account balance regularly or by reviewing your account statements.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank of America&#8217;s Keep the Change program is a unique way for customers to save money effortlessly while using their debit card for purchases. This innovative program rounds up each purchase made with a Bank of America debit card to the nearest dollar and transfers the difference from your checking to your savings account. So, &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What is Bank of America Keep the Change?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-is-bank-of-america-keep-the-change\/#more-104116\">Read more<span class=\"screen-reader-text\">What is Bank of America Keep the Change?<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-104116","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Bank of America Keep the Change?<\/title>\n<meta name=\"description\" content=\"Bank of America&#039;s Keep the Change program is a unique way for customers to save money effortlessly while using their debit card for purchases. 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