I have a keep the change savings account with Bank of America. I liked that I was saving money without even thinking about it. My change started to really add up! I even received a referral bonus of $35 for opening an account with Bank of American. So that was cool. The only thing I don't like is that they claim that you will receive, after 90 days, a bonus reward of a match in dollars that you have saved in your savings account. Well, I have yet to receive that. Additionally, some of my transactions were qualified as keep the change transactions and some weren't and I don't know why that is. So those two points weren't clear to me, so that's why I rated this financial product with a 3.