Some banks offer tools that round up everyday purchases to the nearest dollar and move the difference into a savings balance. For example:
A $6.50 purchase rounds to $7
$0.50 goes directly into savings
Other versions automatically transfer a small amount every time a card is used.
Benefits of these features:
You don’t need a separate new savings product
Everything runs in the background
Savings build slowly over time without requiring manual transfers
It’s intended for people who want consistent savings momentum without thinking about it.