Save-Up Automated Savings

BECU's Save-Up is an automated savings tool that enables you to build savings by either rounding up or transferring a flat amount into your savings account with each debit card purchase.

Benefits & Features

  • Automatically transfer money into your savings account
  • Increase savings just by using your debit card
  • You choose the amount: either round up or select a flat amount between $1 and $5

How it Works

  • Select the small increments from each debit card purchase you'd like transferred into your savings.
  • Choose to either round your purchase amount up to the next whole dollar or add a flat amount from $1 to $5 to your purchase.
  • Funds are transferred to your savings account after each applicable transaction is made.
  • You can change your Save-Up settings and amounts at any time. 

How to Enroll

Enroll in Online Banking via the Debit Card Management feature.

  • Log into Online Banking
  • Select the Account Services tab
  • Select Manage Your Debit Card
  • Select card you wish to use
  • Select Enroll This Card
Screenshot of Save Up Enrollment

How Do I Create my Settings?

Save-Up Settings

After enrolling your card:

  • Select the amount of money you wish to save. This can be funds you'd like to "round up" or a fixed amount to transfer with each purchase
  • Select account you wish to transfer savings into
  • Click Apply Changes

What Transactions are Eligible?


  • Posted debit card purchase transactions (not pending or preauthorization)
  • Signature & PIN based purchase transactions, including 
  • International transactions
  • Online purchases

Ineligible Transactions

  • ATM transactions
  • Deposits
  • Merchant cash back
  • Person-to-person payments

Frequently Asked Questions

Member Share, Member Advantage, or Early Saver savings account required to establish membership; not everyone will qualify. Save-Up transfers will not occur if the transfer would take the checking account balance under $100. ATM transactions, deposits, merchant cash back, and Person-to-Person payments do not qualify. To learn more about card benefits, view the MasterCard Guide to Benefits.