Save up today for a cleaner tomorrow

Open a savings account and we'll contribute up to $500 toward your purchase.

How Works

Check to see if your home qualifies and connect with our team.
Set up a savings plan and earn up to $500 toward your down payment.
Once you've reached your savings goal, purchase when ready.

Save up on your own schedule.

Make your purchase with 5 payments or 15, from $1 a week to $100 a day. You always have the flexibility to speed up, slow down, or pause your contributions.

Your savings are stored at zero cost in an FDIC-insured account. You only buy when you're ready.

Frequently Asked Questions

select a topic below
What is Accrue Savings?
Accrue Savings is an FDIC-insured account tied to a specific purchase that helps you afford the things you love without debt, interest, or late fees. You will earn cash rewards along the way and can invite family and friends to contribute to your goal.
How do I use Accrue Savings?
  1. Select the product you would like to save up for.
  2. Create your Accrue Savings account, set up auto-deposit, and select a savings schedule.
  3. Get cash rewards when you reach savings milestones, and receive contributions from family and friends on certain items. (See individual items to see amounts and eligibility)
  4. Once you have saved enough, Accrue Savings will generate a virtual debit card which you can use to complete your purchase on the merchant's website.
How long does it take to save up for a purchase with Accrue Savings?
Accrue Savings offers complete flexibility allowing you to save on your own schedule--whether it be weeks, months, or longer. Based on your preferences, configure auto-deposits by amount and on weekly, biweekly, or monthly intervals.
How secure is Accrue Savings?
Your privacy and security is very important to Accrue Savings. Our service is designed to protect your personal information, banking information, and savings. Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 so you can confidently save towards your purchase.
When will I receive my cash rewards?
You will receive your cash rewards immediately after you have reached a savings milestone! You will see the reward amount in your Accrue Savings dashboard under the transaction section as well as in the savings progress bar. These rewards may only be redeemed for purchases at the brand you are saving for.
Will I earn interest on funds in my Accrue Savings account?
While your Accrue Savings account isn’t interest-bearing, you will receive cash rewards along your journey as you reach savings milestones and for some contributions made by family and friends.
How do I invite my friends and family to contribute to my Accrue savings goals?
Once you set a savings plan, you will have access to the Accrue Savings dashboard. From there, you can view all of your savings plans and can invite friends and family via email or web link to contribute to specific goals.
What if I want to save for a different product after I've started saving?
If you want to save up for a different product from the same merchant, simply reach out to support at with your desired product.
What if I want to pause my savings plan or skip my next auto deposit?
To delay your next auto-deposit, you can go into your dashboard and edit the next payment date by clicking the pencil icon in the top right corner. You can still receive crowdfunding during this time.
Can I withdraw my deposits and rewards at any time?
If you would like to withdraw your deposits from your Accrue Savings account, please contact us at You will forfeit any accrued rewards and may be subject to a 3% fee if you received crowdfunds. Funds will be available in your account 2-3 business days after you initiate the request.
What if I have leftover funds in my account after purchase?
There are two scenarios where you may have leftover funds:
Contributions from friends and family may push you over 100% of your savings target
In this scenario, following your purchase, any remaining funds in your account will be automatically returned to your linked bank account via ACH transfer.

Once you reach 100% of your savings target, you may elect to purchase something from the merchant for less than the amount you saved.
In this scenario, the rewards you have earned will be applied to your purchase on a prorated basis based on the price of the product you ultimately purchase. You will forego a portion of the earned rewards for purchasing a less expensive product.
Any remaining deposits or received contributions present in your account post-purchase will be automatically returned to your linked bank account via ACH transfer.