Debit Card Round-Up

Debit Card Round-Up

Turn Your Spare Change Into Smart Savings

Looking for an easy way to boost your savings? Introducing our new Debit Card Round-Up Program – a seamless way to turn your everyday purchases into valuable savings.

How Debit Card Round-Up Works

Every time you use your COPFCU debit card, your transaction is rounded up to the nearest dollar. The difference between your purchase amount and the next whole dollar will be transferred to your savings account at the end of each day. Here’s how it works:

  • Make any purchase using your COPFCU Debit Card.
  • The transaction will be rounded up to the nearest dollar.
  • The rounded-up amount will be transferred to your savings account as a lump sum at the end of each day. 

Example:

  • Morning Coffee: $5.25 rounds up to $6.00 (difference: $0.75)
  • Grocery Store: $48.65 rounds up to $49.00 (difference: $0.35)
  • Gas Fill-Up: $55.10 rounds up to $56.00 (difference: $0.90)

Total Daily Roundup: $0.75 + $0.35 + $0.90 = $2.00

At the end of the day, $2.00 will be deducted from your checking account and deposited into your savings account.

It’s Easy to Get Started!

  • Login to your COPFCU Online or Mobile Banking account.
  • If using Online Banking, click on the 3 dots next to the Checking Account you want to enroll. Select the option for Debit Card Round Up Savings.
  • If using Mobile Banking, click on the Checking Account you want to enroll. Select the option for Debit Card Round Up Savings.
  • Follow the prompts to enroll.

How does Debit Card Round Up Work?

Every time you use your COPFCU debit card, your transaction is rounded up to the nearest dollar. The difference between your purchase amount and the next whole dollar will be transferred to your savings account at the end of each day.

  • Make any purchase using your COPFCU Debit Card.
  • The transaction will be rounded up to the nearest dollar.
  • The rounded-up amount will be transferred to your savings account as a lump sum at the end of each day.

How do I enroll in the Debit Card Round Up Program?

Visit any branch location or call 513.381.2677 to speak to a Member Service Representative. You can also enroll through COPFCU Online and Mobile Banking.

    • Login to your COPFCU Online or Mobile Banking account.
    • If using Online Banking, click on the 3 dots next to your Draft (Checking) account. Select Debit Card Round Up Savings.
    • If using Mobile Banking, click on your Draft (Checking) account. Select Debit Card Round Up Savings.
    • A list of eligible accounts will appear. Select the Checking Account you wish to use and follow the prompts to enroll.

What if my Checking Account balance is getting low?

Funds are transferred only if they are available. Your account will not be overdrawn if you do not have the funds available to complete the transfer.

Important Legal Disclaimer

To participate in this program, you must have an eligible checking account with a debit card. HSA Checking Accounts are not eligible for the Debit Card Round Up program. Only one checking account can be tied to a savings account. You must be an account owner on each checking and savings account to enroll in the service. All checking account debit card transactions will be rounded up to the next whole dollar. Whole dollar transactions will not round up. Funds are transferred only if they are available. Your account will not be overdrawn if you do not have the funds available to complete the transfer. There is no fee for this service. Business Accounts are not eligible for this program.