In case you aren't aware, there is a bank that offers an easy way to add small amounts of money to savings account, which can really help jumpstart your savings account and motivate you to save even more. The bank that offers this unique way of saving is Bank of America, and their unique program automatically transfers money from your checking to your savings account, as long as you use your debit card to make purchases. The only qualification for the program is that you have both a checking and savings account, and you must have a debit card associated your checking account.

It's easy and exciting the way "keep the change," which is the name of Bank of America's special savings program, works. All you have to do is make purchases using your debit card and the bank will round the cents from your purchase to the next dollar amount and conveniently transfer the amount to your savings account each business day. For example, if you make a purchase for $2.67, the amount that will be transferred from your checking to your savings account will $3.00. So obviously, the more you use your debit card to make purchases, the more money you can save. There is a limit at to the amount you can save through this program, which is $250 annually. This limit should not interfere with the amount you save, though, because you could make regular deposits to your savings account in addition to participating in "keep the change" and watch your savings account grow significantly.

Most banks will only allow you to open an account if you live locally, but Bank of America isn't like many of the other financial institutions. One great thing about this particular bank is that it has locations in numerous states, which makes it more likely for you to find a location near your home or office. Another great thing about this bank is if there isn't a branch in your home state, you can still bank with Bank of America online. It's very quick and easy to open an account online. Additionally, if you have had trouble with Chexsystems and have been denied a bank account at many other financial institutions, rest assured that Bank of America does not deal with Chexsystems. They pull basic credit reports in order to approve new accounts. Even if your credit is less than perfect, in most cases this fantastic bank will allow you to open the accounts of your choice with them.

So if you want to watch your savings account grow slowly but surely, enrolling in Bank of America's special "keep the change" program may be a great choice for you. If you choose not to open the necessary accounts at Bank of America and enroll in their exclusive savings program, you can still save up money. Whether you choose to open a savings account at another bank or credit union, or you choose to place money in a cookie jar each week, as long as you're saving, you're well on your way to improving your financial future in more ways than one.