A Bum Savings Account is an old shopping cart, usually from Wal Mart or Value Village, that a bum has filled with bottles and cans to eventually cash in for a box of wine.
"Man, look at that. There goes another creepy homeless guy with his Bum Savings Account."
1. Anal sex, or other anal stimulation of a sexual partner by another. Can include methods such as digital manipulation, oral stimulation, or penetrative sex.
1. That chick is so drunk, she'd let you start bum poking her, man.
2. James gave me a vicious bum poking last night. It hurts so bad to even wipe my pussy after i pee, I really am not looking forward to having to poop.