You don’t have to save every month if you don’t want to. One of the advantages of Credit Builder is flexibility. Save when you want! Saving every month will help you reach your savings goal faster and unlock your money faster, but how and when you save is entirely up to you. As long as you keep your account active*, you will be building credit. *In order to maintain an active account, we require that you use your Line of Credit to make a transfer to your Credit Builder savings account and pay off your outstanding balance at least once every 3 months after opening.