Round Up Savings

Round Up Savings

It’s never been easier to save….and you do it when you spend!

Here’s how it works:

  • Enroll your checking account attached to your InFirst Bank Visa Debit Card, and a savings account.
  • Spend! Use your InFirst Bank Visa Debit Card for everyday purchases.  We’ll Round-Up your purchase to the next whole dollar amount.
  • At the end of each business day, the difference from each purchase is accumulated and a single transfer is made to your InFirst Bank Savings Account.

Example:

Coffee Purchase: $2.15Round Up: $0.85 Checking Register Entry: $3.00
Lunch Purchase: $7.59 Round Up: $0.41 Checking Register Entry: $8.00
Lunch Purchase: $38.01 Round Up: $0.99 Checking Register Entry: $39.00

At the end of the business day, a single automatic transfer will be made to your savings for $2.25.

It’s that easy!  The more you spend, the more you save!

If you already have an existing InFirst Bank checking account with a debit card, and an InFirst Bank savings account, you can enroll today by clicking the link below.

If you would like additional information or don’t currently have the accounts you need, no worries!  Contact a team member at 800-349-2814 or visit any branch office and someone will be happy to assist.

Apply

Terms and Conditions

InFirst Bank Round-up Savings (RUS) Terms & Conditions

  1. With Round Up Savings (RUS) your Point-of-Sale (POS) purchases made with your InFirst Bank Visa Debit Card will “Round-Up” to the next whole dollar amount.
  2. The amount in excess of the purchase price will be transferred from your checking account to your attached savings account. Example: A purchase for $11.14 will “Round-Up” to $12.00, the $0.86 difference will automatically be transferred to your savings. We aggregate the round-up from all purchases posted to your checking account each day and process a single transfer to the savings at the end of each business day. Whole dollar purchase amounts will not round-up.
  3. If there are insufficient funds in the checking account or the checking account balance is negative, we will not round-up purchases and no round-up transfer will take place that business day.
  4. CAUTION: It is advised that you record your round-up transactions daily and maintain an accurate checking account balance. While a round-up transfer will not overdraw your checking account, all round-up transfers will lower your available balance. You acknowledge that should your balance not be sufficient to pay another item presented for payment you could incur an NSF fee and that item could be returned. Additionally, NSF items could be presented multiple times and multiple fees could occur.
  5. If your InFirst Bank Visa Debit Card POS transaction is subsequently cancelled or reversed, the corresponding round-up transfer will remain in the linked savings account.
  6. You must be an account owner on both the checking and savings to enroll. Joint accounts must have the same title.
  7. For joint account holders, all InFirst Bank Visa Debit Cards connected to the checking account will round-up to the savings.
  8. Both signature-based and PIN-based POS transactions made with your InFirst Bank Visa Debit Card qualify for RUS transfers, including recurring POS transactions. ATM transactions DO NOT qualify for RUS transfers.
  9. Business/Non-Profit Accounts are not eligible.
  10. InFirst Bank reserves the right to cancel or modify the RUS program at any time.
  11. The change to add RUS will take effect after the bank has a reasonable opportunity to process your signed authorization, typically within 3 business days.
  12. I agree to notify InFirst Bank in writing if I wish to cancel the RUS feature.