Woman purchasing groceries with a debit card

Citizens Bank SaveUp

On this page:
  • Make your debit card a savings tool when you SaveUp with Citizens Bank
  • See how quickly your spare change can add up to big savings
  • Use our calculators to see how your savings can add up or to set a goal
  • Find out how you can start automatically saving today


Turn everyday purchases into tomorrow's possibilities.

Saving money is easier said than done. When you SaveUp with Citizens Bank, building your nest egg is automatic, effortless, and painless. The sooner you sign up, the sooner you can reach your goals!


Man with two kids putting coins in a piggy bank

What is SaveUp with Citizens Bank?

Say goodbye to the piggy bank or change jar. SaveUp is the modern way of saving your spare change, with no enrollment or monthly fees.
  • SaveUp automatically rounds up purchases made with your Citizens Bank Debit Card.1 You can decide to:
    • Round up to the nearest whole dollar, or
    • Boost your savings even more when you round up to the nearest whole dollar + add an additional amount, like $1, to every debit card purchase
  • The round-up amount is automatically transferred from your checking account into another account you have with Citizens Bank, like savings or money market.2
  • You can choose to fund your primary savings account or an account you have for just a special purpose, like a new car or big vacation.3
  • The more you use your debit card to make everyday purchases, the more you can save!

How much can you save with SaveUp?

In just a few months, Heidi saved over $50 without thinking about it -- and it's money she never missed!
Use our calculators to estimate how much your spare change can add up or how long it takes to reach a goal.
 

Let's get you saving today!
Getting started with SaveUp is easy, and we'd love to help you enroll!4 You can:
  1. Visit any branch office and ask a Personal Banker
  2. Call 262-363-6500 and speak to the Customer Support Team
  3. Send a secure message in Digital Banking


SaveUp Frequently Asked Questions

SaveUp is an optional, free service that helps you save automatically by rounding up your eligible debit card purchases to the next whole dollar and then transferring the extra change to your chosen Citizens Bank checking, savings, or money market account.

Each time you make a qualifying debit card purchase, the transaction amount is rounded up to the nearest whole dollar. All round-up amounts from the same business day are combined and transferred to the other account as one total.

Most everyday point-of-sale debit card purchases qualify. ATM transactions, recurring payments, cash advances, and purchases that are already a whole dollar are excluded.

Transfers are processed on business days after eligible transactions post and settle. If no qualifying purchases occur, no transfer is made.

Yes. You can choose to add extra whole-dollar amounts per transaction and set a maximum monthly savings amount when you enroll.

No. There is no enrollment fee or monthly fee to use SaveUp.

A SaveUp transfer will not occur if there are not enough available funds or if the transfer would overdraw your checking account.

Yes. You can cancel SaveUp at any time by contacting us.

SaveUp is available for personal accounts only. Transfers can only be made to an account at Citizens Bank.




1. SaveUp is only available on personal Citizens Bank debit cards, including the Mukwonago Checking debit card. It cannot be used with business or HSA debit cards.
2. SaveUp cannot be used to fund a Health Savings Account.
3. On days you have multiple debit card purchases, we’ll add up all of your round-up transactions and make one transfer to your savings. 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 will not round up purchases posted on that business day, and we will cancel the SaveUp transfer for that day.
4. Enrollment is optional and can be canceled at any time.