The Skivey: You buy something with your BOA debit card. Say the total is $1.23 or $24.23. They will charge you the next whole dollar amount, $2 and $25 respectively. They will transfer the change, in this case $.77, to your savings account and match it. Up to $250 total from them. So you make a $1.23 purchase, you will be charged $2, and $1.54 will be sent to your savings account. Linkage EDIT: I need to add that BOA will only match you for the first 3 months. After that, its 5% a year. So you need to get the $250 in the first 3 months to maximize profit.