(Bloomberg) -- Late last year, just in time for Christmas shopping, Rachel Rhoads got a nice surprise. One of her secret savings accounts had grown to $900 behind her back.

Rhoads, a 37-year-old Los Angeles-based sales director for a jewelry line, has an account with Digit, a financial technology company with an algorithm that tracks users’ income and spending patterns. It painlessly spirits small amounts of money out of checking and into a savings account every two or three days. 

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