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Do I have to set a goal or auto transfer?

Do I have to set a goal or auto transfer?

No. Both are optional. You can start saving without setting a goal or enabling auto transfer, and update them anytime later.

How do I open a savings account?
What is a savings account?
Can I edit my savings account after creating it?
Do I have to set a goal or auto transfer?
What happens if I don’t reach my goal by the set date?