Round Up Savings

Remember the old adage that pennies make dollars?  The idea isn't new, but as the world advances toward a cashless society, saving your pennies becomes that much harder.  But now, First National Bank and Trust makes it easy to put your spare change back to work for you.  The Round Up Savings feature of our First Choice Checking account helps you save automatically every time you make a debit card purchase, while earning interest on your savings.

So set your sights on something special – an exotic vacation, your toddler’s college education, a new computer, or even a new car. It’s your choice!  And it’s FREE to First National customers!

How It Works:

When you enroll in the free Round Up Savings program, the amount of any First National Bank and Trust Debit Card purchase posted to your checking account (made by you or a joint account owner) is rounded up to the next whole dollar, and the difference is transferred into your savings account.

At the end of each business day, we add up the "rounded up" amounts on each card transaction (in excess of the purchase prices) and transfer that total from your checking account to your personal savings account. . Round Up amounts for purchases are always made on the same day the transaction is posted to your checking account.

If on a business day you do not have sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, we do not round up purchases posted on that business day and we cancel the transfer for that day. If your First National Bank Debit Card purchase is subsequently cancelled or reversed, the corresponding Round Up Savings transfer remains in the savings account.

How to Enroll:

Stop by and speak with any customer service representative.  You simply need to have an open personal checking and savings account at First National Bank.

Track Your Savings:

It’s easy to keep track of your savings. Just round up the transaction amount in your checkbook each time you make a debit card purchase. Your monthly bank statement will contain an itemized list of transactions, and provide a record of the Round Up Savings transfers and the new balance of your personal Savings Account.