My round-up savings feature left too little for the bus. Is it still helping me save?

The savings notification celebrated $17.40 transferred from spare change. My spending account then showed $14.60, and I still needed $20 for travel before payday.

I had turned on a feature that moves purchase round-ups into savings in batches. I knew it existed; I hadn't thought about the batch arriving near the end of the week. The money is still mine and available to transfer back. Nothing has bounced, and I haven't been charged a fee.

My friend says moving it back defeats the point because the feature is supposed to make saving painless. It hasn't made anything painful enough to be a crisis, but I'm spending time moving money between two places so I can buy the bus ticket. The little success notification now feels less useful than it did.

Would you keep the feature with a balance floor if one is available, turn it off and save a planned amount after payday, or accept occasional transfers back as part of the method? I'd like the saving habit to fit the week instead of congratulating me for money I still need to spend.