If you found it hard to save money last year, this is your opportunity to save money easily with the help of bank programs and apps. I know what you’re thinking, “That already sounds too complicated.” But, you can be assured that it’s not. With programs from Bank America and Wells Fargo and genius automatic savings from Digit, you can begin saving money without thinking about it.

Here’s how to start saving money automatically without having to do anything but set it up!

Bank of America’s Keep the Change Program

Bank America makes it easy for you to save money easily with their “Keep the Change” program. To utilize this program, you have to open a checking account with Bank of America. Once you have this and a debit card, simply start using the card. Bank of America will round your purchases up to the nearest dollar and transfer that amount into a savings account just for you. So, say you purchase a hamburger from Burger King for $3.50. Bank of America will round the 50 cents up to a dollar, and add that to your savings account. Bank of America allows you to save money easily without even trying. Isn’t that the dream for any student? To get started saving with Bank of America, go to www.bankofamerica.com, search “keep the change”, and enroll in the program.

Wells Fargo Way2Save Savings

Wells Fargo gives you options to save money easily. With their “Way2Save Savings” program, you can choose to either have Wells Fargo transfer $1 from your Wells Fargo checking account into your Way2Save account whenever you buy something with your debit card, pay online bills with Wells Fargo Bill Pay, or make payments from your checking account. You can also allow Wells Fargo to transfer $25 from your Wells Fargo checking account into your Way2Save account every month or allow Wells Fargo to transfer $1 from your checking account daily. The choice is yours. To start saving with Wells Fargo, visit www.wellsfargo.com, search Way2Save Savings, and open a checking account.

Digit

Think of Digit as your online piggy bank. This website helps you to save money without trying – literally. Digit takes a small amount ($5-50) from your checking account and deposits it into a Digit savings account. If you do not have enough for Digit to take out $5, don’t worry. Digit calculates how much money to put in your Digit account without completely draining your regular account. Even if you have $10 to your name, Digit will help you save money by taking out as little as a dollar. One dollar every two weeks is better than nothing, right?  Depending on your settings, Digit will send text messages periodically to let you know how much has been saved into your Digit account. Adding to the already obvious benefits, Digit offers an unlimited transfer service and does not have minimums. Digit is free to try and after 100 days there will be a monthly fee of $2.99 to maintain the account. This is a good tool to save money if you are not good with tracking how much you have saved. To start saving money with Digit, simply go to *www.digit.co and create a username and password. You will then be asked to enter your regular checking account information to connect it with Digit, allowing you to start the process of saving money. Minimum age to open an automatic savings account: 18 (U.S. residents)

Let this be your year to accomplish your goals in life and save money easily. With easy programs from Bank of America, Wells Fargo and Digit, you can save money easily without having to put forth any effort at all. Take these opportunities and start saving money easily today.

*Note: This article may contain referral links.