Save Without Even Thinking About It
With Round Up, every time you make a purchase with your debit card, we’ll round the amount up to the nearest whole dollar and automatically transfer the extra change into your chosen savings account.
- $7.81 purchase? $0.19 goes straight to savings.
- $10.00 purchase? You’ll save a full $1.00.
Those small amounts add up fast—and you won’t have to lift a finger.
Why You’ll Love Round Up
- Automatic: Once you set it up, savings happen in the background with no extra effort from you.
- Customizable: You choose which checking account to round up from and which savings account to grow.
- Simple & steady: Build savings from your everyday purchases without changing your spending habits.
How to get started
- Log in to Online Banking.
- From the “Menu,” select Services > Round Up Savings.
- Scroll to “ADD A NEW CONNECTION.” First, select the checking account you would like to enroll in Round Up. Then click the “Next: Select Savings Account” button and choose the savings account where you’d like your round-up amounts to be deposited. ***If you have multiple checking or savings accounts, to simplify this process, you can click on each account from the Account Overview screen, then go to Details & Settings to view the account number details.
- Confirm your selections. Use your debit card and watch your savings build.
Round Up: Make each purchase work harder for you!
Disclosure
Membership eligibility required. Program subject to change without notice; other restrictions may apply. Savings example for reference only. Savings will vary based on the number of purchases and purchase amounts made using your La Capitol Debit Card. Members must have a La Capitol FCU Checking Account with a Debit Card to enroll in La Cap Round Up. Debit card purchases eligible for Round Up will be calculated nightly.
Round ups will be funded via a transfer from the checking account associated with your debit card to the designated receiving savings account. For a transaction to round up, the checking account balance must be sufficient to process the transaction. A round up will not occur if the account balance is zero, negative or becomes zero after the round up transaction. We may cancel or modify the Round Up program at any time without prior notice.
The following account types are eligible for members to select as the receiving account for Round Up: Elite Saver, Regular Savings, Special Savings, and Club Savings. IRA Savings accounts are not eligible as a receiving account for Round Up.
BALANCE INFORMATION — To open any account, you must deposit or already have on deposit the minimum required share(s) in a Regular Savings account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Companion Savings and Premier Savings accounts, there is a minimum daily balance required to avoid a service fee for the dividend period. If the minimum daily balance requirement is not met during each day of the dividend period, you will be charged a service fee as stated in the Schedule of Fees and Charges. For Regular Savings, Limited Savings, Youth Savings, Special Savings, Future Share Savings, Credit Card Shared Secured Savings, Christmas Club Savings, Vacation Club Savings, Elite Saver, Liquid Assets, Companion Savings, Premier Savings, and Choice Checking accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule dividends are calculated by applying a daily periodic rate to the principal in the account each day.
Zero Liability applies to transactions that have been promptly reported and determined by La Capitol as unauthorized, subject to terms and conditions in accordance with La Cap’s Electronic Funds Transfer Agreement.