Penny rounds your everyday purchases up to the next dollar and sets the change aside in a high-yield jar. No minimum, no fee for the first jar, no nag.
Four mechanics, one quiet app, one number going up.
Every transaction rounds to the next dollar. The remainder lands in your jar by the end of day. Toggle off any merchant, any time.
Vacation, braces, leaky roof, season tickets. Each earns the full 4.27% APY, posted nightly.
Choose a percentage of your direct deposit. Penny moves it the moment it lands.
Every swipe rounds to the next dollar. The change goes into a high-yield bucket. Pause anytime.
Up to 12 named jars. Vacation, kid's braces, the leaky roof. Each earns its own rate, posted nightly.
We watch your paycheck land and set aside the percentage you choose, before you can spend it.
Both insured. One earns the difference between a vacation and a longer one.
"I set Penny up on a Tuesday and forgot about it. Six months later there was $1,427 in the kid's-braces jar."
Plus a paid plan if you want more jars and the full 4.27% on every dollar.
Round-ups, one jar, 4.10% on the first $5,000.
Up to 12 jars, the full 4.27% APY, and auto-set-aside on payday.
For families. Up to 5 members, kid sub-accounts, and a quarterly statement.
Yes. Penny partners with Webster Bank, N.A., a Member FDIC institution. Deposits are insured up to $250,000 per depositor.
Three minutes to set up, $0 to start. The first round-up usually lands within an hour.