ROUND UP ACCOUNT

Round Up & Level Up Your Savings

An FFCCU Round Up Account “rounds up” the remaining change from every purchase you make with your Advantage Checking Debit Card to the next dollar. That change is teleported to a special 3.00% APY* savings account. 

Are you game to round up? Getting started is easy! Just fill out the form below.

Here is how it works

  • Make a purchase anywhere with your Advantage Checking Debit Card
  • Purchase amount: $11.90
  • Round to the nearest dollar – the difference transfers from Advantage Checking to your Round Up Account
  • $11.90 rounds up to $12.00, a difference of 10¢
  • The difference comes out of your linked Advantage Checking Account.
  • Level Up! Earn 3.00% APY interest on funds in your Round Up Account.
  • You save 10¢ automatically.
  • Insert coin to Continue:  transfer funds out of your Round Up Account any time. New deposits will continue to be made from your round up purchases.
GET SET UP TO ROUND UP TODAY

The “Player 2” to your Advantage Checking

Round Up Accounts are linked to an existing Advantage Checking Account. Round Up is available even if you don’t qualify for the usual Advantage Checking bonus benefits. An Advantage Checking account IS required  – so plug in and get started today.

FREQUENTLY ASKED QUESTIONS ABOUT ROUND UP ACCOUNTS

Yes. It’s easy to open one. Get started today.

Your purchase will not round up. In that case, let’s say you paid $81.00 to dry-clean the Sparky costume. Only $81.00 would be deducted from your Advantage Checking account – Since there is no change in the transaction, there is nothing to round up.

Yes, at the end of the day. If you make six purchases and they all post on the same day. Each of those will round up and then the total round up amounts will happen as one transfer at the end of the day that the debit card transactions post.

No, the round up happens on our end and you won’t see the round up amount in-store or when making an online purchase. It will be reflected in your digital banking (app/mobile/desktop).

Any time you want!

No, round up only applies to purchases made with your Advantage Checking Account debit card.

No, the only way to deposit into the Round Up Account is from a debit card purchase round up.

No way! There is no fee to establish a Round Up account and no ongoing maintenance fees.

No. The round up is associated with your Advantage Checking Account. You can always transfer amounts later, though!

Round Up Accounts are tied to Advantage Checking Accounts, so if your Advantage Checking has two debit cards, both Player 1 and Player 2 will round up. If a second debit card holder does NOT want to round up, they would need to have their own Advantage Checking Account.

No. The Round Up Account is only available with Advantage Checking.

No, the round up deposit amount remains in your Round Up Account in the event of a refund.

If your mobile wallet is tied to your Advantage Checking Account debit card, yes!

No. In the case that you would not have sufficient funds the round up will fail to deposit altogether.

*Annual Percentage Yield. No minimum deposit to open. Earn up to 3.00% Annual Percentage Yield (APY) on the first $1,000 in your account. If your balance exceeds $1,000, you will earn our current personal savings rate on balances in excess of $1,000. Only one Round Up Savings Account may be opened per individual Tax Identification Number (TIN). 

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  • Round-Up Opt In

    Please complete the below form to opt your into the Round-Up account! By completing the below, you agree to the Round-Up Terms and Conditions listed below.*

  • Contact Information (Required)

  • *Terms and Conditions

    SPECIFIC TERMS APPLICABLE TO YOUR ROUND UP SAVINGS ACCOUNT Tiered Variable Rate Information.This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY (Annual Percentage Yield), you may request the “Schedule of Fees and Charges” which includes the "Account Disclosure Rate Supplement". Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any deposits to this Account. The only deposit that may be made in this Account, is the transfer of the Round Up amounts from Your Advantage Checking Account. Additional Information. In order to open and maintain this Account, You must also open and maintain an Advantage Checking Account. If you do not maintain or You close Your Advantage Checking Account, this Account will be closed and the funds on deposit will be transferred to Your Savings Account, subject to the terms and conditions of such Account. “Round Up” Information. During each calendar day that You have met the requirements set forth above, We will transfer to Your Round Up Savings Account a sum equal to the difference between the actual transaction (rounded up to the nearest $1.00 minus the actual transaction amount) for each VISA Debit Card transaction processed as debit or Point-of-Sale (POS) (Bill Payments, ATM transfers or withdrawals are excluded from this program). For accounting purposes, each individual transaction that You make will be posted as such, and the amount transferred to Your Round Up Savings Account will be shown as a single transaction for the sum total of all such "Round Up" amounts that occurred that day. For example, a single transaction of $25.17 would result in $0.83 being transferred to Your Round Up Savings Account, whereas a subsequent transaction [that same day] of $26.01 would result in $0.99 being transferred to Your Round Up Savings Account. These transactions would then be recorded as follows: (i) the first transaction of $25.17; (ii) the subsequent transaction of $26.01; and (iii) the Round Up sum of $1.82 will be transferred to Your Round Up Savings Account the day after the transaction(s) posted.