Many of us remember the day we walked into a bank and opened our first checking account. The fact that National Online Bank Day (the second Monday in October) exists means that ritual may have gone the way of the fax machine.

Since October 12 is National Savings Day, modernize the way you save money for retirement or a rainy day with apps like Acorns and Digit. They round up your purchases or sneak small amounts away to help you save and invest.