Acorns, Digit and Stash offer services for the smartphone that aim to be easy to use, have low fees and don’t require large deposits.

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Millennials, it’s time to pick up the phone and start saving.

That’s the message from digital saving companies such as Acorns, Digit and Stash that cater to people under 35. They offer services for the smartphone that aim to be easy to use, have low fees and don’t require large deposits.

Here’s a look at these services:

Acorns

The app automatically puts money away for users by rounding up every credit or debit-card purchase they make.

How it works: Users link their credit or debit cards to the app for the round-up feature or can set up recurring automatic deposits to Acorns. Money is invested in a portfolio of exchange traded funds, which are a basket of stocks or bonds.

What it costs: $1 per month for balances below $5,000 and 0.25 percent per year for balances above $5,000. College students can use Acorns for free.

Digit

Digit links to a checking account and its algorithm looks at account activity to figure out how much you typically earn and spend. Based on that, it transfers small amounts into a Digit account.

Digit tries to bring some fun to saving by sending users animated images when they reach a savings milestone.

How it works: Sign up is done on its website and Digit communicates with users through text messages. An app is in the works.

What it costs: Free, but since Digit communicates though text messages you may rack up texting fees.

Stash

The Stash app lets users invest in about 30 different ETFs of their choosing. Stash also has a glossary throughout the app.

How it works: Users link their checking accounts to invest in the ETFs.

What it costs: $1 per month for balances below $5,000 or 0.25 percent per year for balances above $5,000.