Magic...well not really. Math actually. Once you link your main spending account, ChangEd analyzes your spending and makes transfers to your personal FDIC-insured ChangEd account. ChangEd makes transfers when your accumulated change reaches at least $5 in roundups. ChangEd also never withdraws more than $10 in one day in case you go on a spending spree and a ton of roundups occur.
Here's an example:
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