Our Centsible Savings Program makes saving so easy, you barely know it's happening — until you look at your growing balance. Centsible Savings rounds up your purchase price as you shop and sets the extra aside to earn interest (plus a little extra, courtesy of Avadian).
To start, you'll need to have a savings account, a checking account, and a debit card, plus be enrolled in e-Statements with Avadian1. To grow your savings, all you need to do is make a purchase using your Avadian debit card2. When you do, we'll round up your total to the nearest dollar amount, and at the end of the day, we'll transfer the difference from your checking account to your Centsible Savings account. (Making it that much easier to balance your checkbook with all of those nice, round numbers.)
What does this look like?
| You spend... |
We round up by... |
And deduct a total of... |
| $6.83 for lunch |
$0.17 |
$7.00 |
| $34.05 for gas |
$0.95 |
$35.00 |
| $91.44 for groceries |
$0.56 |
$92.00 |
And at the end of the day, we’ll transfer $1.68 into your Centsible Savings account.
Your Centsible Savings account doesn't just help you save — it pays off. Avadian will match 25% of your total Centsible Savings amount for the first 30 days (starting with the first day you use your debit card after enrolling). After that, we'll match 5% of the amount you save each quarter.3
An automatic savings plan with no minimum balance requirement that earns interest, allows you to withdraw money whenever, makes balancing your checkbook easier, and even offers matching? It just makes... cents. (See what we did there?)
Members Love It
"Not only does the account round up all of your debit card transactions (sure does make balancing the checkbook easy) and put it into a special account, but Avadian also matches what you contribute. I find myself purposely stopping the gas pump when the amount is over by a penny, so I will get the $0.99 round-up. The process is so easy and the amounts add up so quickly."
- Karla, Chelsea
"I have been a Centsible Savings fan since the day I signed up. We don’t believe in credit cards, and we don’t like to carry cash with us, so we use our debit card all the time. I love that when I use my Avadian debit card, I know that I’m also saving money. Since we’ve signed up for the account, we’ve saved over $700, which is practically paying for our beach vacation. It’s automatic, easy, and extremely rewarding. Plus, who doesn’t love getting paid to shop?"
- Emily, Trussville
1 Enrollment in e-Statements is not a requirement of Centsible Savings, but it is required to receive the initial 25% match and the 5% contribution match thereafter.
2 If you make a return or have a debit card transaction reversed, the “round up” amount will remain in your Centsible Savings Account. You may not make deposits or transfers into your Centsible Savings Account.
3 Minimum balance required to earn APY is $0.01. Centsible Savings dividends will be based on your average daily balance at the end of each quarter. Your dividends will be deposited into your account at the end of each quarter. Rate subject to change. Avadian’s match contribution will be credited to the Centsible Savings account at the end of the calendar quarter based on the accumulated contribution for the calendar quarter or the balance in the account at the end of the calendar quarter, whichever is less. The maximum total match is $250 per year. Fees could reduce earnings.