Debit Card Round Up
Helping You Save Smarter
Make every purchase a step toward your financial future by enrolling in Debit Card Round Up. Every time you use your 1st Advantage debit card, your transaction is automatically rounded up, and the difference is transferred to your savings account. Effortless savings!
Small Change, Big Savings
Watch your small change accumulate over time into significant savings.
Automatic and Secure
The transfers happen automatically and securely with every debit card transaction.
The Power of Rounding Up
Even pennies can grow into something meaningful when they’re consistently saved.
How it Works
Once enrolled, every time you use your 1st Advantage Debit Card—for example, buying a $3.50 coffee—your purchase rounds up to $4, and the extra 50¢ is automatically transferred to your chosen savings account.
Get Answers to Your Questions
Debit Card Round Up is a savings program where transactions made with your 1st Advantage debit card are rounded up to the nearest dollar, and the difference is transferred from your checking account to the 1st Advantage savings account you choose!
To enroll in the Debit Card Round Up program, you must have a 1st Advantage checking account (personal or business) and debit card, along with any 1st Advantage savings account.
Money Markets, Certificates, and IRAs, are not eligible.
After your complete enrollment, it will take one to two business days to be processed. After your enrollment is processed, let the savings begin!
Every eligible debit card transaction that clears your account will be rounded up daily to produce a single total deposit at the end of the day to the savings account selected for your Debit Card Round Up deposit.
Debit Card Round Up does not round to the next dollar amount if the account balance is zero, negative or will become zero after the round up transaction.
If you are the primary account holder on the checking and savings account you select, joint ownership of the accounts won’t be a concern.
Yes. To unenroll, complete the Debit Card Round Up Enrollment Form. Only the primary account owner can unenroll.
Disclosures
The Debit Card Round Up program is available to 1st Advantage Federal Credit Union consumer and business checking accounts. When enrolled, debit card transactions will be rounded up to the nearest dollar, and the total rounded-up amount will be transferred from your checking account to your designated savings account. Round-up transfers are calculated daily and posted as a single transfer at the start of each processing day. You can track all round-up transfers through online or mobile banking. Transactions will not qualify for round-up transfers if your checking account does not have sufficient funds available, including transactions covered by Overdraft Services. In such cases, the transfer for that transaction will be canceled, and transfers will resume the next processing day or when sufficient funds are available. If a debit card transaction is subsequently canceled or reversed, the corresponding round-up transfer to your savings account will not be reversed, and the funds will remain in your savings account. ATM, ACH, and check transactions are not eligible for this program. If your debit card is replaced due to loss, theft, or reissue, your participation in the program will continue automatically, and no re-enrollment is necessary. Participation in the program renews annually as long as your account(s) and membership with 1st Advantage remain eligible. You may cancel your participation at any time by completing the enrollment form and selecting the opt-out option. 1st Advantage reserves the right to cancel this promotion at any time. Contact 1st Advantage for details.