Round UP Checking
Commonwealth Credit Union's checking account that helps you save while you spend.
Spend Smart, Save Effortlessly
Imagine saving money every time you spend it. With RoundUp Checking, your everyday purchases become powerful savings opportunities—automatically.
Spend Like Normal. Save Like Never Before.
Every time you use your Visa debit card, we round up your transaction to the nearest dollar and deposit the difference into your RoundUp Savings account. That spare change adds up fast—and earns a high-yield of 5.00% APY* to help your savings grow even faster.
Double Your Savings In The First 90 Days
We’ll match 100% of your round-up transfers for the first 90 days, giving your savings a turbo boost right from the start. After that, enjoy an annual 5% match, up to $250* per year. It’s like getting rewarded for your everyday spending.
Banking That Works For You
- Free Visa Debit Card with the ability to tap, swipe, or add to your mobile wallet for fast, secure payments.
- Unlimited Digital Access to manage your money anytime with our intuitive Mobile App and Digital Banking platform.
- 135,000+ Surcharge-Free ATMs Nationwide. Withdraw cash wherever you go—without the extra fees.
- Overdraft Protection & Privilege*** for peace of mind when life gets unpredictable.
- Easy Check Reordering. Need more checks? Reorder through digital banking in just a few clicks.
Why RoundUp Checking?
Whether you're saving for a rainy day, a dream vacation, or just want to build better financial habits, RoundUp Checking makes it effortless. You spend like you normally would—and your savings grow in the background.
Ready to turn your spending into saving?
Already a member?
* Annual Percentage Yield. Rate effective as of January 1, 2025. For the first 90 days after you are enrolled in the program, the Credit Union will match 100% of the rounded-up transfers for a maximum of $250. After the first 90-day period, the Credit Union will match 5% of the rounded-up transfers, for a maximum cumulative contribution of $250 annually. The round up match will be paid at the end of the first 90 days. The 5% match will be paid annually on the first business day after your anniversary of account opening. Rates may change after the account is opened. Fees could reduce earnings on the account. Online Banking and eStatement are required.
** Data and other wireless carrier charges may apply.
***You can choose to have funds transferred from your savings account or additional checking account to cover amounts more than your available balance.
**** Overdraft Privilege is a discretionary overdraft service, requiring no action on your part, that provides you a safety net up to an automatically assigned overdraft limit. Your Overdraft Privilege Intelligent limit may be available for checks and other transactions made using your checking account number, such as an automatic (ACH) payment transaction, automatic bill payment or recurring debit card payment. If you request us to do so (opt in), we may authorize ATM transfers or withdrawals and everyday debit card purchases using your available balance and your Overdraft Privilege limit. For business accounts the limit may be available for ATM and everyday debit card transactions with no action required. Balances displayed do not include the Overdraft Privilege limit. There is no additional cost associated with Overdraft Privilege unless you use it. If you do use the Overdraft Privilege limit, you will be charged our paid item OD Privilege fee of $32 for each overdrawn item created by checks and other transactions made using your checking account number, such as an automatic payment (ACH) transaction, automatic bill payment, or recurring debit card payment. For Overdraft Privilege consideration, your account is in “good standing” if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all credit union fees and charges); (2) avoid excessive overdrafts suggesting the use of Overdraft Privilege as a continuing line of credit; and (3) have no legal orders, levies or liens against your account.
