Trail-Ahead with Round-Up Savings 

Save without trying.

Every time you use your TrailNorth debit card, we round your purchase up to the nearest dollar and tuck the change straight into your savings. Easy peasy. That coffee on the way to work, a quick soda, gas, groceries, or everyday essentials.
Each swipe means a little more saved for future you.

How it works
Let’s say you spend $7.57.
We’ll round it up to $8.00 and move the extra $0.43 into your chosen savings account.

Here’s what you’ll see:

• Two debits in your checking account: $7.57 and $0.43
• One credit of $0.43 in your savings account

Getting started is simple

To enroll, you’ll need:

• A TrailNorth checking account with a debit card
• A savings account*

*You choose which savings account to link regular savings, special savings, Christmas Club, or another option.

Just come into any of our three branches and let a teller know you want to enroll in our Round Up Savings progam, send us a message through your online banking portal (specify which savings account you are using for the program in your message) or call us during our hours of operation at 518-585-6725 and we can take care of it over the phone.  

Terms:
Every debit card purchase made by you will be rounded up to the next whole dollar. The difference is automatically transferred from your checking to your designated savings account. Each purchase results in two debits from checking and one credit to savings.

 

FAQ's

What is Round Up? 

• If opted into Round Up, the system will automatically round up debit card purchases to the next whole dollar and deposit the funds into a related savings account.

• The purchase price of item purchased is rounded up to the nearest dollar amount. The difference between the purchase price and rounded up dollar amount is transferred from the individual’s checking account to a savings account.

Will the round up occur if I am negative?

• No. An available calculation is done to determine if there are available funds for both the transaction plus the round up. If there are not enough funds the Round Up amount is taken out of the calculation, and the transaction amount only will process as it does today.

Is there a fee assessed on the Round Up transaction if they're negative?

• If the “from” account is negative the Round Up transfer will not occur. If the “to” account is negative then Round Up transfer will occur.

Is there any point where the Round Up transaction may go into Courtesy Pay?

• No - If there are not enough funds to cover both the requested transaction amount plus the calculated Round Up amount, the Round Up transfer will not occur, but the requested transaction will continue to process as normal which could include courtesy pay, overdraft protection, etc...

Does the Round Up transaction happen at the time of the settlement of the transaction, or does it occur at the authorization?

• Round Up is included in the authorization and a debit hold will be placed on the total amount of the pre-authorization amount plus the calculated round up. The actual transfer will only occur at the time of the settlement.