Swipe & Save

MAKE EVERY SWIPE COUNT!

Automate Your Savings

Ready to check off saving for the future from your "to-do" list? With CRCU's Swipe&Save, saving becomes a seamless part of your daily routine. Simply enroll your CRCU checking account, and let our automated savings program do the rest. You have three options to effortless build your savings and secure your financial future. Call us at 281.422.3611 to enroll!

Enroll Today!

Don't have a CRCU Checking Account? Click here to find the account that is right for you.

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ENROLL

Call us at 281.422.3611 or visit any CRCU Branch to enroll in Swipe&Save. Choose from Round-Up, Dollar Transfer, or setting an Automatic Monthly Transfer.

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SWIPE

Use your CRCU Mastercard® Debit Card to start saving money automatically from your checking to your savings account with every swiped debit purchase!

SAVE

Enjoy more saving options for transferring money automatically from your checking to your savings account with every debit card purchase!

3 Ways to Save

Automatic

Round-ups
Dollar

Transfers
Monthly Automatic

Transfers

Transform your everyday purchases into savings opportunities by rounding up your debit card transactions to the nearest dollar. It's as easy as swiping your card, and you'll watch your savings grow effortlessly. At the end of each day, we'll transfer your accumulated change to your preferred savings account, helping you build a brighter financial future one cent at a time. Start saving effortlessly with Round Up Change today!

Ready to supercharge your savings? Choose to save the full dollar with each debit card purchase! For every transaction, we'll set aside a whole dollar towards your savings goals. At the end of each day, your accumulated savings will be seamlessly transferred to your preferred savings account. It's a simple way to take control of your finances and watch your savings grow effortlessly.

Unlock the power of monthly automatic savings with CRCU! Take control of your financial goals by setting a designated dollar amount of your choice to save each month. Whether you're saving for a rainy day fund, a dream vacation, or something else entirely, we've got you covered. On the last day of every month, we'll seamlessly transfer your chosen amount to your preferred savings account. It's the hassle-free way to build your savings and achieve your dreams.

Swipe&Save FAQs

What are my options for Swipe + Save?

Save your change by rounding up your debit card purchases to the nearest $1!
Save $1 each time you make a debit card purchase!

How do I know if I am eligible to participate in Swipe + Save?

To be eligible, all you need is an active checking account and debit card, in addition to your savings account.

How do I enroll in Swipe + Save?

Contact our Virtual Branch at 281.422.3611 or visit any CRCU branch today.

Can I choose which savings I would like my Swipe + Save funds to be transferred to?

Yes, Swipe + Save can go to any regular savings account that a member is primary owner of.

How much will my account transfer each day?

Round up Option: Your account will round up all PIN-Point of Sale or Signature debit card transactions to the nearest $1 and then transfer the total to your qualified savings.

For example, the following transactions have posted to your account for the day:

$10.80 = Savings Amount = $0.20

$3.25 = Savings Amount = $0.75

$104.63 = Savings Amount = $0.37

Your total Round Up Savings transfer will be in the amount of $1.32 for the day.

$1 per Swipe Option: $1.00 will be transferred for each debit card transaction posted to your account for the day, to the qualified savings.

For example, if three debit card transactions have posted to your account for the day, $3.00 will be transferred at the end of that day.

When are the funds transferred to my savings?

Swipe + Save funds can be expected to transfer out of your account at the end of each day. Pending transactions will not be considered until the day they have posted to your account.

What transactions are eligible for the Swipe + Save program?

Signature or PIN based point of sale transactions are eligible.

Are automated payments using my debit card number included in Swipe + Save?

Yes! Any Signature or PIN based point of sale transactions will be considered for Swipe + Save.

If I have a joint owner on my account, do we each have to enroll?

No, either checking account owner can enroll in the Swipe + Save program.

What if there is not enough money in my checking account to cover the savings transfer amount?

A daily Swipe + Save transfer will not occur in the following situations:

The entire amount of the daily transfer is not available and the transfer would create a negative balance.
A negative balance already exists.

What if I have a debit card transaction return?

If your debit card transaction is immediately reversed, that transaction will not be considered for the Swipe + Save transfer.

If you have a return after the initial transaction has already posted to your account, the Swipe + Save transfer amount will transfer as normally expected.

Is there a limit on the amount that can be transferred daily to my savings?

No, there is no limit.

Can Swipe + Save transfer to more than one savings account?

Swipe + Save transfers are only able to go to one designated savings account.

What if I decide to change my designated savings account?

If the receiving Swipe + Save account is changed, any scheduled transfers will transfer as expected to the new designation (savings account) the day the change is made.

Can I have Swipe + Save savings if I do not have a debit card?

No, the Swipe + Save savings are derived from eligible debit card transactions made. ACH transactions and ATM withdrawals are not included in Swipe + Save.

Start Saving Today

To get started, all you need is a personal checking account, savings account, and debit Mastercard®

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Checking Accounts

Discover the perfect checking account tailored to your lifestyle. Whether it's for everyday spending or earning interest, we have the ideal account to suit your unique needs and preferences.

Explore Checking Accounts

Savings Accounts

Experience peace of mind and prepare for the future with our savings accounts. Enjoy competitive rates and convenient 24/7 access to your activity and funds, ensuring your financial goals are within reach at any time.

Explore Savings Accounts

Membership eligibility required. Programs subject to change without notice; other restrictions may apply.

Swipe & Save

Savings will vary based on the number of purchases and purchase amounts made using your Debit Card. Members must have an CRCU Checking Account with Debit Card to enroll in CRCU Swipe & Save. Debit card purchases eligible for Swipe & Save will be calculated nightly. Swipe & Save transactions will be funded via a transfer from the checking account associated with your Debit Card to the designated receiving account.

Monthly Automatic Savings

Automatic designated amount transfer from Checking to Savings. Transfer will occur at the end of each month.

The checking account balance must be sufficient to process the transaction. The transaction will not occur if the account balance is zero, negative or becomes zero after the round-up transaction. We may cancel or modify the Savings programs at any time without prior notice.

The following account types are eligible for members to select as the receiving account for automatic savings: Regular Savings, Savings, Christmas Club Savings. Members enrolling in automated savings can also choose another of your eligible CU accounts to receive the savings. IRA, HSA, ESA Savings accounts are not eligible as a receiving account for Swipe & Save. Zero Liability applies to transactions that have been promptly reported and determined by CRCU as unauthorized, subject to terms and conditions in accordance with CU's Electronic Funds Transfer Agreement at https://www.crcu.org/assets/files/30bF2PXI.