We’ll withdraw round ups from your checking account once they total $5.00 or more, and we’ll hold all funds during your monthly cycle. On your payment date, we'll send out a payment for the total amount of your round ups from the last month, minus our $1.99 fee. We'll notify you when we initiate a withdrawal based on your notification settings, and you can cancel or reschedule a withdrawal in the app before 4:45pm ET on the same business day.