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Open a separate Protected Goals Account to keep money tucked away from spending while earning a competitive interest rate.  Every aspect of a this app checking account is optimized for branchless online banking, budgeting, and saving, so you can track spending and manage your money wherever you happen to be. this app is personal finance made easy.  Commit to saving a portion of your return before you even receive it, and when it hits your account, it’ll automatically transfer into your Protected Goals Account to build your savings and earn interest.  We take your account balance, subtract your Expenses and Goals, and tell you exactly how much money you have left over to spend on whatever you want. (Buy the shoes!  Whenever you make a purchase, what you spend will be rounded up to the next whole dollar amount, and when those round-ups reach or exceed $5, that balance will be tucked away into your Protected Goals Account.  When you pay your rent, your Expense is already saving money for next month's bill. Yep, it's our job now. (You can even split Expenses with a partner when using a Shared Account).  Budget and save with no hidden bank fees, with balances in Protected Goals Accounts earning a competitive interest rate.  Use Goals for saving money: Stash away money for the unexpected, or automate saving for things you want.  Earn interest with whoever you're interested in: When it comes to shared bills and savings goals, two paychecks are better than one!  Open a this app Shared account to tackle budgeting and save money together.  Spend money spontaneously, without derailing your budget or bills (or doing the math on the spot... ).  Put your savings to work for you! this app’s No-Penalty CDs let you lock in a rate that guarantees growth for your savings—so you’ll know exactly how much your deposit will earn.  Start saving money effortlessly with Round-up Rules.  It’s like a digital change jar... one that adds up to real money in the bank.  Your tax refund is your money, and the IRS has been hanging onto it all year!  this app is one of the first mobile banking apps that has helped customers budget and save since 2012.