Put Your Spare Change to Good Use!

HFCU Spare Change is designed to help you save for that rainy day, larger purchases, retirement, or any savings goal you might set.

Spare Change requires little effort to start saving.  Here’s how it works:

  1. Enroll in HFCU Spare Change – To enroll now, click the button below or you may visit any of our branch locations or phone our Information Center at (812) 253-6928 Option 1 to enroll with your checking account. You may enroll multiple accounts.

  2. Each consumer debit card purchase tied to your checking account will round to the nearest dollar and the difference will be transferred into a designated savings account. Eligible savings accounts include Primary Shares, Prime Performance, Clubs, and Registries.

  3. The Credit Union will aggregate the rounded amounts from your consumer debit card purchases that post to your checking account each day and make a single transfer at or near the end of each day.

  4. If on any day you do not have sufficient available funds in your checking account, the HFCU Spare Change Transfer will not occur for that day.

  5. There are no maximum amounts of purchases or change deposits per day/month.

  6. The Credit Union reserves the right to cancel or modify the HFCU Spare Change Program at any time.  All other terms, agreements and disclosures apply.  See your account agreement for any additional terms and conditions regarding your account.

* Required Fields
Spare Change Self-Enrollment Form

1. Upon enrollment in the HFCU Spare Change Program ("Program"), Heritage Federal Credit Union ("Credit Union") will round-up the amount of any debit card point of sale purchases associated with your enrolled checking account to the next whole dollar amount, and transfer the difference from your checking account to your designated qualified Share under your same Account/Member number. Some share accounts are excluded. You may ask a Credit Union representative for a list of qualified shares at any time. Commercial/Business accounts are excluded from the Program.

2. The Credit Union will aggregate the rounded amounts from point of sale purchases that post to your checking account each day and make a single transfer ("HFCU Spare Change Transfer") at or near the end of each day. This transfer will reduce the funds available for future transactions in your checking account. If on any day you do not have sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, the HFCU Spare Change Transfer will not occur for that day. We do not round up purchases posted on that day and we cancel the daily round-up transfer for that day.

3. If your debit card purchase is subsequently canceled or reversed, such a returned purchase, the corresponding daily round-up transfer will remain in your designated Share. Credit transactions or adjustment transactions will not be rounded or included in any aggregate amounts to be transferred.

4. The Credit Union reserves the right to cancel or modify the HFCU Spare Change Program at any time. See your account agreement for any additional terms and conditions regarding your account.

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