Once enrolled, every debit card purchase will be rounded to the nearest whole dollar, change will accumulate, and a single deposit will be made to your savings account each day. If on a business day you do not have enough available funds in your checking account, if any transaction has overdrawn your checking account, or if the ending balance is negative, we will not round up purchases. The business-day cutoff time for round-up debit card transactions is 2pm. The following exclusions apply: 1) ATM transactions do not qualify 2) Debit card adjustment transactions will not be rounded up 3) If your debit card purchase is canceled or reversed after the round up transfer has been made, the round up transfer will remain in the savings account. 4) Round Up is not available for business debit cards. We may cancel or modify Round Up at any time without prior notice.