I am not sure how to describe this but since this is the forum for bonuses and bankroll advice, I figured I would show this.
So if you pull up Bank of America's website they are running this keep the change promo.
Its a nutty formula. For every purchase you make on your BOA Visa debit card, the remainder of that transaction which equals the next dollar will be credited to your savings account.
So a $5.20 purchase, they throw $.80 on your savings account
A 14.75 purchase, $.25 added
A 23.88 purchase, $.12 added and so on.
The promo runs for 3 months, up to $250 max credit to your account.
BOA promo link
Now this is not the greatest promo in the world. To max out the $250, you would need bare minimum of 500 transactions on your card, where every purchase transction ended $.50 or lower to the dollar.
However when you think about it, esp with all the Xmas shopping many of us are doing, if its free cash, it doesn't hurt to collect.
So my idea, since I already have a BOA checking account, sign up for the savings offer, run a few more transactions I would have paid for cash, just on the card, then after 3 months, take the $100 or so balance I rack up, and cash it all out then close the savings account.
So all that work for a few extra dollars? Eh, why not? Might as well make a tiny "rakeback" on basic purchases.