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Swipe and Save

When you enroll in United Community Bank’s Swipe and Save savings service, we round up the amount of any Debit Card Purchase made by you or a joint owner of your Checking Account to the next whole dollar amount and we transfer the amount in excess of your purchase from your checking account to your savings account.

We aggregate the amount to be “rounded-up” from your purchases that post to your checking account each business day and make one transfer at the end of the business day.  If on any business day you do not have sufficient available funds in your checking account, or if the transaction has overdrawn your Checking Account, we do not round-up purchases posted on that business day and we cancel the Swipe and Save transfer for that day.

If your Debit Card purchases is subsequently cancelled or reversed, the corresponding Swipe and Save transfer will remain in the savings account.  We may cancel the Swipe and Save service at any time.  Swipe and Save is available only on a Debit Card linked to your United Community Bank’s checking account.