Remember tossing spare coins into a change jar at the end of the day? While the days of pocket change might be fading, the habit of saving it does not have to disappear. That is where Savings Jar, our round-up savings program, comes in.
Every time you make a purchase with your KTCCU debit card, we round it up to the next whole dollar and “corral” the extra change into a savings account of your choice. No matter what you are saving for — a new truck, a vacation, or just a little peace of mind — your spare change can help you get there, one roundup at a time.
Next time you grab a coffee at your local coffee shop or fill up your tank at the corner station, tip your hat — not only are you supporting a local business, but you are growing your savings, too! The extra change from your purchase rides straight into your savings account without you having to think about it. It just makes CENTS!
You can enroll using any of the following methods:
Eligible transactions include PIN-based, signature-based, and online debit card purchases. ATM withdrawals, transfers, bill payments, and checks are not eligible.
Yes. You can choose any eligible savings account as your destination account when you enroll. Checking accounts are not eligible to receive round-up transfers.
Round-up transfers will not occur if your checking account has insufficient available funds. Missed transfers will not be made up once funds become available.
Canceled or refunded purchases will not reverse the corresponding round-up transfer.
Round-up transfers are created in real time when a transaction posts.
Even-dollar transactions will result in a $1.00 transfer.
Checking accounts are enrolled as a whole, so joint account holders do not need to enroll separately.
Your Savings Jar enrollment will remain active even if your debit card is replaced.
While pausing is not an option, you can opt out and back in at any time.
There is no cost to enroll or unenroll in the Savings Jar program.
Participation in the Saving Jar program requires a KTCCU checking account with a debit card attached and an active savings account available to receive round-up transfers.
Program participation remains active until the member opts out.
KTCCU reserves the right to modify or discontinue the Savings Jar program or its features at any time.
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