When you use your Bank of America Debit (Visa) Card, your purchase gets rounded up to the nearest dollar and deposited in a "piggy bank" which is paid out at the end of the year along with a matching % which is put in by BofA (a whopping 100% match for the first 3 months and 5% thereafter).

For example if you buy something that is $10.01 your purchase will be rounded up to $11 and $0.99 will be deposited into your piggy bank along with $0.99 from the bank. It is also true that if you purchase something for $10.99 it will be rounded to $11 and $.01 (along with $0.01 from the bank) will be deposited.

Here are some tips for how to maximize this program.
-- Obviously, the fewer the number of cents on purchase amount the better
-- This is particularly good at restaurants when you can engineer the tip so that the purchase amount is $XX.01
-- This is particularly good at gas pumps where you can stop your filling your tank $xx.01
-- I have even heard of some folks filling up their tank in multple increments -- for example ten $1.01 gas purchases to fill up your tank once will earn you a $9.90 ($0.99 times 10) match from BofA (although this may trigger typical fraud software and get your account frozen as this resembles stolen card behavior).
-- Shop like hell with your $xx.01 purchases for the first 3 months and then stop

The only catch ... you have to wait until the end of the year to get your matching amount.