In the recent years, the United States experienced a poor savings rate. The Change Your Savings program will operate in a similar fashion to Bank of America’s Keep the Change Program by rounding up Point of Sale (POS) transactions to the nearest dollar and transferring the funds to a Savings type account. The difference of the Change Your Savings program is its attempt to meet the individual savings goals of specific Gen Y markets. Specifically components include a tuition, auto, house, debt reduction and other innovative savings solutions.