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I have an app called Qapital, which is linked to my bank account. It rounds all of my transaction to the nearest dollar then saves it. I currently have close to $4,500 of it and would like to transfer it to my bank account in order to put it towards my down-payment. I'm sure U/W will ask what it is, and want a letter of experience. But how do I explain this? Online savings account from another source? It's just like any other online savings bank account, however I would like it to be moved to my primary checkings.
Please provide any input or advice.