Before we all had our debit and credit cards saved to our phones, people used to freeze their cards in large hunks of ice, just to stop themselves from impulse spending. Now, digital bank Up has come up with the modern equivalent: a three-hour hold on your savings account.

It’s a completely optional feature, but if you turn it on, explains chief product officer Anson Parker, you need to wait just a little while before yanking the cash from your savings.