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The Peoples Bank

Cents Up

Want to save money without thinking about it?


Cents Up is a feature of our checking account that allows you to round up every debit card purchase to the next highest whole dollar amount and moves the excess amount into a designated savings or checking account. 

For example, if you purchased gas for $24.01, then the amount debited from your checking account will be rounded up to $25, so the difference, 99 cents, is what will transfer into the designated account for savings.  This feature is a great way to start saving!

Ready to enroll in Cents Up?  

Our Personal Bankers can help you get started, today! Give us a call or stop in at any of our Branch Locations.

Cents Up Frequently Asked Questions

Can the excess amount go into anyone’s savings account?

Yes. For example, a grandparent can put their excess amount in their grandchild's account, as long as the account is at The Peoples Bank.

Can the excess amount go into another checking account?

Yes, as long as the checking account is at The Peoples Bank.

Can the excess amount go into a Christmas Club?


Can I deposit my excess amount to an account at another bank?

No. All accounts must be with The Peoples Bank.

What if I don't have enough money in my account during the transaction?

If there are not sufficient funds, the transaction withdrawal will be denied. If the transaction overdraws the account, the transaction will not round up.

If my debit card expires or is cancelled, will I still be enrolled in Cents Up?

If your debit card expires or is cancelled, but you are issued a new card with the same number, then you will remain enrolled in the program. If you are issued a new card with a different number, then you will have to re-enroll.

I'd like to try this for a few weeks, but what if I decide it's not for me?

You can be removed from the program easily by contacting your local branch.

Are business accounts eligible?


Will my debit card transactions be rounded up whether they are PIN or signature based?


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