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Turn your grocery store runs, gasoline pit stops and online purchases into saving opportunities.

Enroll in ¢hange it up. Each purchase made using your linked FAIRWINDS Visa® Debit Card will be rounded up to the nearest dollar and the difference will be transferred from your Checking Account directly into the FAIRWINDS Savings Account of your choice.

Our members added $3,836,187.97 to their savings so far.

Choose one of these savings account types:

  • Emergency Savings Account
  • Freedom Access Savings Account
  • Money Market Account
  • Preferred Money Market Account
  • Non-dividend savings account

How it works:

What You Bought Price You Paid We Round It Up Transfer Difference to Savings
Tank of gas $27.24 $28.00 $0.76
Dog food $22.07 $23.00 $0.93
Sunscreen $8.55 $9.00 $0.45
Total transferred from your Checking Account into your Savings Account $2.14

What you'll need to get started:

Enroll today!


Select the ¢hange it up option from the Additional Services menu.

Android App

Select the ¢hange it up option from the left navigation menu.

iPhone App

Select the ¢hange it up option from the More menu.

iPad App

Select the ¢hange it up option on the bottom of the app screen.

You must be enrolled in e-Statements in order to enroll in the FAIRWINDS Credit Union ¢hange it up savings program. Upon enrollment of an eligible FAIRWINDS consumer checking account, we will round up your debit card purchases made using a FAIRWINDS VISA® debit card to the nearest whole dollar, and transfer the difference from your checking account to your FAIRWINDS savings account. Whole dollar debit card transactions and ATM transactions are not included. We aggregate the round-up from purchases that post to your checking account each business day and make a single transfer at the end of the business day. If you do not have the available funds in your account at the end of the business day to make the transfer, the transfer will be canceled. Transfers will resume on the next day that sufficient funds are available.

If your debit card purchase is subsequently canceled or reversed, the corresponding ¢hange it up transfer deposit will remain in your savings account. Credit transactions or adjustments will not round up.

Participation in the Program is at the account level, which means all debit card purchases made using any debit card associated with the checking account will round up to the nearest whole dollar. You cannot enroll or remove individual debit cards associated with your checking account. You may enroll any Access, Preferred, Signature, or UCF Student checking account. If you receive a new debit card due to your current card being lost, stolen, or reissued, your participation in the ¢hange it up program will continue. There is no need to re-enroll the checking account.

Individual Retirement Account (IRA) Savings and other restricted savings accounts such as Certificates of Deposit are not eligible to receive ¢hange it up transfer deposits. Organization and Business checking accounts not eligible to enroll. Only signature and PIN based debit card transactions are eligible for rounding up; checks, ACH or other means of payment will not round up.

FAIRWINDS Credit Union reserves the right to change or cancel the ¢hange it up savings program at any time without notice.