I’m all for saving money where I can. But the fact of the matter is, I almost never use my debit card for even the most mundane purchases right now because I need that cash flow to pay for the trivial things in life like shelter and heat. I love Bank of America’s Keep the Change program, but at the end of the day, I saved more money in my piggy bank:

What sucks is that Bank of America was supposed to match your contribution *if* you opened a new savings account. But since we’ve had ours for years, I guess we can’t tap into that bottomless wealth of the 35 cent match. DAMN.