Bank of America's Keep the Change, while not exactly a new program, is good place to start putting away a little something once in a while especially at these times when saving up is not at the top of every individual or family's list of priorities.

One of the basics of running a business is to set up separate bank accounts to fulfill the business requirements. Some of the basic accounts that should be considered include the savings, checking, and certificate of deposit (CD) accounts. A lot of new business owners make the mistake of mingling their personal and business accounts. They erroneously believe that processing their business transactions through their personal accounts is more convenient. Over the long term, things can become more complicated. There are many reasons not to mix personal with business banking. Among these are: