You can think of round-ups as change you'd get at the store when paying with a dollar. Round ups are essentially when your purchase transactions are rounded-up to the next whole dollar. For example, a $2.49 coffee would get "rounded up" to $3, and we'd track the 51¢ difference to go towards your next bond purchase. A full-dollar transaction, like $15.00, would round-up to the next whole dollar.
When you connect a Monitoring Account to Worthy, which could be a debit card tied to your checking account (a credit card may only work if you have it tied to a checking account with the same bank), we fetch a daily list of transactions from that account. Our app then "rounds up" each purchase to the nearest full dollar.
When the total round-ups reach $10, a bond purchase is queued on your Worthy account. You must login and confirm this round-ups purchase manually. Once the purchase is confirmed, your $10 gets transferred via ACH to our bank, and a bond is issued to you when the final transfer clears.
Please note that when your accumulated round ups reach $10, and the bond is triggered for your account, the $10 cost is deducted from the bank account you originally linked as a FUNDING source for your bond purchases (it does not come from the credit card you linked for monitoring the round ups).