Keep the Change?

Every time I go to the bank, the teller asks me to join their "Keep the Change" program. The deal is that every time you purchase something with your debit card, the bank will round your purchase to the nearest dollar amount and transfer the difference from your checking account to your savings account.. For instance, if you made a purchase for $7.59, the bank will put the extra $0.41 into your savings account and then match it, leaving you with savings of $0.82. The deal only works if you make LOTS of debit card purchases, because the more purchases you make, the faster the money will add up. Oh, and FYI - the bank only matched the money 100% for the first three month, then only 5% thereafter with a $250 per year maximum.

I joined once before a few years back, but I found that I lost more money than I saved because the bank required me to keep a certain amount of money in the savings account (money that I did not have, by the way...) Because I couldn't meet their limits, I incurred additional fees. Since then, I believe the bank has lowered the account limits, and the teller told me that as long as I put $25 a month into the account, I wouldn't be charged any additional fees.

I'm still a little skeptical about the whole thing, and I'm not sure if I can actually commit to this right now. Although $25 doesn't seem like a lot of money, for me it could mean choosing gas over groceries for the week. However, it would be a great way for me to jumpstart my savings plan.

What do you think? Should I keep the change or keep walking?