Help Cardholders Save More with Round Up

Bankrate’s 2026 Annual Emergency Savings Report found that only 46% of U.S. adults have enough emergency savings to cover three months of expenses, and 24% have no emergency savings at all. You can help cardholders achieve their savings goals by offering Round Up. This account feature allows them to opt in to automatically deposit small and affordable increments into their savings account with each purchase made with their debit card.

When you implement this program, cardholders are more likely to open both checking and savings accounts, add more funds into savings accounts, and move their debit card to the top of their wallet because it helps them save.

How It Works

• Cardholders open both a checking and a savings account with your financial institution. You decide the round up method. Choose to round up to the next even dollar amount or a fixed amount for every transaction.
• Round Up transactions debit the primary checking account and credit the primary savings account. Applies to all PIN, POS and signature completions. ATM and other transactions are not included.
• Generates daily ACH files. Each purchase completion will have a corresponding ACH item.
• Monthly reports include transaction details and settlement totals.
• Cardholder statements will feature the description “Round Up” on every qualifying transaction.

Promote the Program with Free Marketing Resources

When you launch Round Up, you’ll need to get the word out to cardholders. No marketing team? No problem! TransFund offers free, full support to help you introduce and promote the program.

Why Wait?

With Round Up, cardholders save more, FIs acquire more funds in accounts, and stronger relationships are built.

If you’re a current TransFund client, reach out to your Relationship Manager to learn more. Not a client? Contact us today for additional information.