Once you link your main spending account, ChangEd analyzes your transactions and makes transfers (based on your round-ups) to your ChangEd account.
ChangEd makes transfers when your accumulated change reaches at least $5 in roundups. We never withdraw more than $10 in one day in case you go on a spending spree and a ton of roundups occur. Once your ChangEd account reaches the balance threshold you set, the money will be transferred to your student loan debt.