Keep The ¢hange

Every penny counts!

In a world where spare change adds up, we're always finding new ways to help you grow your savings!

Introducing Keep The ¢hange- We'll automatically round up your debit card purchases to the nearest dollar and transfer the spare change into your savings account, making it effortless to grow your savings!

Effortless Savings

Say goodbye to manual transfers and budgeting stress. Keep The ¢hange automates your savings, allowing you to relax while watching your balance grow effortlessly! 

Little Changes, Big Results

Spare change adds up fast! With the power of micro deposits, you'll be surprised at how much you can save over time, just from your everyday debit card purchases. 

Convenient Access

Track your savings progress and access your funds anytime through online banking or mobile banking app. 

What is Keep The ¢hange?

• Keep The ¢hange is a savings program where transactions made with your F&M Debit Card are rounded up to the nearest dollar, and the difference is transferred from your checking account to the F&M Savings Account you designate. 

How do I enroll in Keep The ¢hange?

• Complete the Keep The ¢hange enrollment form in the new account option of our Online Banking or Mobile Banking App. Please note only the primary account owner is allowed to enroll in Keep The ¢hange.

What accounts are eligible for Keep The ¢hange?

• To participate in Keep The ¢hange, you will need an F&M Checking Account and debit card, as well as a F&M Savings Account. Certificates, IRAs and Business Accounts are not eligible.

After I enroll, how long will it take for me to notice the savings?

• After we receive your completed enrollment form, it will take one business day to be processed. After your enrollment is processed, Keep The ¢hange begins.

How often are transfers made to my designated savings account?

• The transfer to your savings account is made once a day at the end of each processing day and will equal the round up amount accumulated from the day's transactions. If you do not have sufficient funds available, the transfer will not occur.
• Processing days are Monday through Friday, excluding federal holidays. For transactions made on federal holidays, the deposit will take place on the next processing day we are open.

If I have a joint account, is the joint owner able to participate?

• Yes. When the primary account owner enrolls in the program, all debit cards tied to the enrolled checking account will participate in the program. Individual debit cards cannot be enrolled or removed. 

Am I able to unenroll from Keep The ¢hange?

• Yes. To unenroll, contact your local branch

Questions? Please call 515-462-4242