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Customer has $15,000 sitting in regular savings earning 0.01% interest.
"AI optimizes savings: "I've reviewed your savings situation and found some great opportunities. Your $15,000 is currently earning about $1.50 per year at 0.01%. Here's what I can do: Move $10,000 to our high-yield savings at 4.5% APY - that's $450 per year in interest instead of $1. Keep $5,000 in regular savings for easy access. Or, if you won't need $5,000 for 12 months, a 1-year CD at 5.1% would earn $255 on that portion alone. Combined, you'd earn about $705 per year instead of $1.50 - that's 470x more! The high-yield account has no minimums and unlimited transfers. Want me to set this up? The transfer would complete by tomorrow.""
Customer wants to build 6-month emergency fund but doesn't know where to start.
"AI creates savings plan: "Great goal! Let's build your emergency fund. Based on your monthly expenses of $4,200, a 6-month fund would be $25,200. You're starting from $2,000, so we need $23,200. Here's a realistic plan: If we set up automatic transfers of $500 from each paycheck, you'll reach your goal in 23 months - just under 2 years. But I noticed you usually have about $200 left over each month. If we add round-ups from your debit card purchases (averaging $47/month) plus that extra $200, you could hit your goal in 18 months instead! I'll put this in a high-yield savings at 4.5% APY, which will add about $900 in interest over that time. Want me to set up these automatic transfers starting with your next paycheck?""
Customer has multiple CDs maturing at different times and needs guidance.
"AI manages CDs: "I see you have 3 CDs coming up: $5,000 maturing next week at 3.2%, $8,000 in 2 months at 3.5%, and $12,000 in 6 months at 3.8%. Current rates are actually higher, so this is a good time to restructure. Here's my recommendation: For the $5,000 maturing next week, I'd suggest a 13-month CD at 5.2% - it's our best rate right now. For the other two, I'll set reminders to contact you 7 days before maturity so we can evaluate rates then. Would you also like me to set up a CD ladder? With your $25,000 total, we could stagger maturities every 3 months so you always have funds accessible while maximizing rates. This strategy typically earns 0.3-0.5% more over time.""