Shift Savings is a spare change/rounding-up program, similar to Qapital, Acorns, and others. It will round up your purchases, and then place the difference into a savings or EFT account (ETF accounts are investing accounts). If you spend $1.50 on a candy bar, for example, Shift will round up that purchase to $2.00. The $0.50 difference is what is then added to the savings account in Shift. They total all the roundups and transfer them every Saturday.