Round Up Savings

Turn everyday purchases into everyday savings.

Round-Up Savings makes it easy to build your savings automatically, one purchase at a time. Every time you make a qualifying purchase with your Paducah Bank debit card, we'll round your purchase up to the next whole dollar and transfer the difference from your designated checking account to your designated Paducah Bank savings or DDA account. Those small round-up transfers add up over time, giving you a simple, effortless way to save without changing your everyday spending habits.

How Round Up Savings Works

Saving doesn't have to be complicated. Round-Up Savings turns your everyday debit card purchases into opportunities to grow your savings automatically.

Each time you make a qualifying purchase with your Paducah Bank debit card, we'll round your purchase up to the next whole U.S. dollar. The difference is automatically transferred from your designated checking account to your designated Paducah Bank savings or DDA account.

For example: If you make a qualifying purchase of $12.35, we'll round it up to $13.00 and transfer $0.65 to your designated account. Purchases that are already a whole dollar amount, such as $20.00, are not rounded up.

1

Make a Purchase

Use your Paducah Bank debit card for a qualifying purchase.

2

We Round Up

We'll round your purchase up to the next whole dollar.

3

Watch Your Savings Grow

The difference is automatically transferred from your designated checking account to your designated Paducah Bank savings or DDA account.

Paducah Bank Round Up Program
Small change from everyday purchases can quietly build a meaningful savings cushion.
0 swipes per week
Round Up Calculator

Round up a little now, build more savings over time.

Round up $0.00 from the purchases you select this week, choose 0 purchases, and save $0 in a year.
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3. Estimated yearly savings
$0
$0 per month from everyday spending
Monthly savings
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Estimated monthly total
Cumulative savings over 12 months Round ups deposited steadily throughout the year
Monthly cumulative savings Bar chart showing cumulative round-up savings by month.

Eligibility

  • Must have a designated Paducah Bank personal checking account and second personal designated qualifying Paducah Bank account, both in good standing. 
  • Business accounts, TDA accounts, escrow accounts, and other certain accounts are not eligible. i.e. Trusts, Estates, HSA. 
  • Must be enrolled in the program for round-up transfers to occur. 
  • If multiple debit cards are linked to my designated checking account, transactions on all cards will be rounded up to the nearest dollar

Qualifying and Non-Qualifying Transactions

Qualifying transactions are one-time debit card purchases made with a Paducah Bank debit card linked to my designated checking account and posted during a business day.

What transactions do NOT qualify?

 The following are NOT qualifying transactions and will NOT be rounded up:

• ATM withdrawals or deposits

• Transfers between accounts (including transfers between my own Paducah Bank accounts)

• ACH (Automated Clearing House) transactions

• Purchases that are subsequently reversed or returned on the same business day they are posted

How do I enroll?

To enroll, complete the Round-Up Savings Program Enrollment & Authorization Form, available at any Paducah Bank branch or through online banking under messages. You will need to designate your checking account and your qualifying savings or DDA account at the time of enrollment.

Enrollment Authorization Form

Download the Enrollment Authorization Form

Frequently Asked Questions

Round-up transfers are deposited into the designated qualifying Paducah Bank account you choose when you enroll — typically a personal savings or DDA account. You can update your designated accounts at any time by contacting Paducah Bank.
Round-up transfers are processed for all qualifying purchases posted to your account during a single business day. The total round-up amount for that day is aggregated and transferred as a single daily transfer on the next business day. The transfer will appear on your statement as “ROUNDUPSVNGS”.
Qualifying transactions are one-time debit card purchases made with a Paducah Bank debit card linked to your designated checking account and posted to your account during a business day.
If multiple debit cards are linked to your designated checking account, qualifying purchases made with any of those cards will be rounded up. This includes purchases made by a joint owner or authorized signer.
No. Paducah Bank does not charge a fee for participation in the Round-Up Savings program. However, standard fees and terms that apply to your designated checking and qualifying accounts still apply. Please refer to your account agreements and fee schedules for details.
Yes. Funds transferred to your designated qualifying account through the Round-Up Savings program are deposits in that account and are insured by the FDIC, subject to applicable limits and requirements.
If your designated checking account does not have sufficient available funds to cover a round-up transfer, or if a round-up transfer would overdraw your account, we will not process the round-up transfer for purchases posted that day. Round-up transfers are not aggregated or deferred from a day with insufficient funds to a future day. You are responsible for maintaining sufficient available funds in your checking account to cover both your purchases and any round-up transfers.
If a qualifying purchase is reversed, refunded, or charged back after the corresponding round-up transfer has already been made, the round-up transfer will remain in your designated qualifying account. We will not reverse or reclaim the round-up amount from your account.
Yes. You may cancel your participation at any time by contacting Paducah Bank through online banking in messages, by phone, or by visiting a branch. Upon cancellation, no additional round-up transfers will be processed. Any round-up transfers already posted to your qualifying account will remain in that account.
If you have questions about the Round-Up Savings program, wish to enroll or cancel, or need to update your designated accounts, please contact Paducah Bank at 270.575.5700 or visit any Paducah Bank branch.