Debit Card Round-Up FAQS

Vermont Federal Credit Union will round up your debit card purchases to the nearest dollar amount and transfer the difference from your checking account to your primary share account once every day.

Example: If you used your Vermont Federal Credit Union enrolled debit card to purchase groceries in the morning for $110.80 (20 cents), then purchased gas for $48.16 (84 cents) and dinner for $24.64 (36 cents), $1.40 would be transferred into your primary share account at the end of the day.

You may sign up for this feature by contacting our Member Call Center at (888) 252-0202, visiting a branch location, or completing the instructions below:
  1.  Sign into Online Banking
  2.  Click on the "Secure Forms" dropdown
  3. Select "Save your Change with Debit Card Round-Up"
  4.  Fill out the form and click "Submit"

Once you sign-up to participate, the rounding up will begin in as little as one business day and no more than five business days.

Accounts eligible for the Debit Card Round-Up feature include any personal checking accounts. Business checking accounts are not eligible.
Business Checking Accounts are not eligible for this round up feature.
Yes, you may enroll multiple checking accounts, though you must enroll each account separately.
Enrollment is done by checking account. If multiple cards are associated with a checking account, including joint owners, these will also be enrolled in the program.

Each day, the total of all rounded up debit card purchases will be transferred from your checking account to your primary share account. Purchases made after approximately 7:00 PM EST will be rounded up and included in the next day's transfer.

At the end of each day funds will be transferred into your primary share account. Once this transfer occurs you have full access to the funds.
Funds will be transferred into your primary share account. At this time members cannot designate a different savings account for funds to be transferred into.
If you do not have sufficient funds in your checking account, or if any transaction has overdrawn your checking account, we will not round up purchases and will not transfer any funds.

Canceled or returned purchases will still be rounded up and transferred to your primary share account. Funds transferred to your primary share account will not be returned to your checking account if a return is processed.

Yes, you must run your card as debit for funds to be rounded up and transferred to your primary share account at the end of the day. Debit transactions are those where you enter your personal identification number (PIN).

You may reset your PIN by contacting our Member Service Representatives at (888) 252-0202, stopping by one of our branch locations, or at any Vermont Federal Credit Union ATM.
No, it does not matter if you swipe your card or use the EMV Chip. As long as your card is run as debit (PIN), then the funds will be rounded up to your primary share account at the end of the day.
Vermont Federal Credit Union may cancel or modify the Debit Card Round-Up feature at any time without prior notice. If you do not have sufficient funds in your checking account, or if any transaction has overdrawn your checking account, we will not round up purchases and will not transfer funds.
To stop the Debit Card Round-Up feature, members may contact the Member Call Center at (888) 252-0202, stop by any of our branch locations, or complete the instructions below within Online Banking:
  1. Sign into Online Banking
  2. Click on the "Secure Forms" dropdown
  3. Select "Save your Change with Debit Card Round-Up"
  4. Fill out the form and click "Submit"
  • NCUANCUA
  • Equal Housing Lender
  • Falcon ATM Network
  • Credit Union Service Centers
  • Vermont Federal Investment Services Insurance Products
  • Facebook