Spend & Save is a great way to work towards a financial goal by saving money a little at a time. Spend & Save automatically transfers a set amount from your checking to your savings each time a purchase is made with your debit or credit card. You can transfer as little as 25 cents or as much as $5 with each purchase. 

To make changes to an existing transfer, see also: How do I manage my Spend & Save transfer?

To set up Spend & Save using online banking

You'll need an eligible debit or credit card, along with a checking account and savings account to get started.

1. Choose Plan & track and then Summary
2. Find the Automatic savings section, then choose Explore savings tools 
3. Choose Spend & Save  
4. Choose Start saving
   1. On the set up page, choose:
   2. The debit or credit card you’ll use for purchases 
   3. The checking account that will fund transfers 
   4. The savings account where money will be deposited
   5. The amount to save with each purchase
5. Choose Continue, then Done to finish setup 

To set up Spend & Save using the U.S. Bank Mobile App

You'll need an eligible debit or credit card, along with a checking account and savings account to get started.

1. Select Plan & track
2. Find the Savings section, then choose Explore savings tools
3. Choose Spend & Save 
4. Choose Start saving
5. On the set up page, choose:
   1. The debit or credit card you’ll use for purchases 
   2. The checking account that will fund transfers 
   3. The savings account where money will be deposited
   4. The amount to save with each purchase
6.  Choose Continue, then Done to finish setup