Each debit card purchase will still appear on your account for the actual amount of the transaction. At the end of each business day, one Smart Change transfer will be made for the total of the rounded up difference for each of your debit card purchases posted on that day. This transfer will appear as on your account as a single line item transaction.
Day 1 Debit Purchase: Gas $28.15
Day 1 Debit Purchase: Grocery $55.48
Day 1 Debit Purchase: Amazon $44.75
Day 1 Smart Change Transfer to Savings: $1.62 (.85 +.52 +.25)