Debit Card

The funds transferred to the account of your choice come from “rounding up” debit card purchases. These are funded by the member NOT the credit union.

The round up process is NOT posted immediately, on a per-transaction basis. The round up amount for ALL debit card transactions will be posted in a single transfer at the end of the day.

Example: If you go to Macy’s and spend $94.73, the transaction that posts to your account will be exactly $94.73, NOT $95.00. At the end of the day, that extra 27 cents (along with any other amounts calculated on other purchases throughout the day) will be transferred from your checking to your savings account (or account of your choice).

If the transaction is reversed, this will have NO effect on the transfer, even if the reversal was done the same day as the transaction. Funds are transferred only if they are available. Round up transfers will not cause the account to post to a negative balance nor post below available funds. There are no catch-up transfers.


What You Can Expect: