Smart Saver Debit Card Round-Up

With Smart Saver, every purchase you make with your Haynes Community Credit Union debit card is rounded up to the nearest dollar. The rounded up difference is then deposited into a Haynes Community Credit Union savings account of your choice. (Sorry, no certificate accounts or IRA’s.) Every time you swipe your debit card you’ll be saving money – it’s truly that easy. That’s not all, there is no fee for enrolling in this convenient service!


Purchase Amount      Rounded up to      Transferred to savings

                                   $ 1.99                                                                      $2.00                                                                                        $0.01

                                   $ 3.03                                                                     $4.00                                                                                        $0.97

                                  $28.00                                                                  no rounding                                                                                $0.00

                                                                                                                                          Total Savings                      $.98

Smart Saver works on any PIN or signature based debit card transaction from a Haynes Community Credit Union checking account. It does not work on ATM withdrawals or cash back debit purchases, if you overdraw your account, or if your transaction is being covered by an overdraft protection program. In cases where a rounded up transaction is reversed, the portion that was deposited to your savings account will not reverse.

Signing up is easy!
Stop by our branch and tell us you want to opt-in Smart Saver or complete and sign the Smart Saver Opt-In Terms & Conditions, mail it to our office, or email it to us at Once you are set up, just watch your savings grow without even thinking about it!