Grow your savings with every swipe!

With It Makes Cents, every time you use your Central National Bank debit card, we'll round up your transaction amount to the nearest dollar and put the difference into your savings account.  Save for a rainy day, Christmas, college, or that new car you've been wanting.  To learn more about It Makes Cents, check out the example and FAQ's below.  To sign up, visit any of our Central National Bank locations. 

How exactly does it work?  Here's an example:

1. Joe makes the purchases shown to the right on a single day.

2. Each transaction is rounded up to the nearest $1.00.

3. These rounded up amounts are added together, resulting in a total of $2.25.

4. $2.25 is automatically transferred from Joe's checking account to his savings account.

The “It Makes ¢ents!” program is operated under a license from Every Penny Counts, Inc.’s U.S. Patent # 6,112,191, dated August 29, 2000 and U.S. Patent # 7,571,849, dated August 11, 2009.

Frequently Asked Questions

When will the round-ups and transfers occur?

• One transfer will occur at the end of the day.  This transfer will be the sum of the entire day's round-up activity.

Will this round-up all of my debit card transactions, no matter if they are PIN or signature-based?

• Yes

May I round-up to an amount greater than the nearest dollar?

• Yes.  You may choose to round-up your transactions to any even dollar increment up to $10.

Can a person round their change into any individual's savings account?  For example:  Can a grandparent round their change to their grandchild's account?

• Yes.  Signed authorization is required from the owner of the account where the transfers are directed to be deposited.

Can I deposit my rounded-up transactions to a savings account at another bank?

• No. All accounts must be with CNB.

Some small businesses don't "settle" their card transactions daily.  How will this affect the round-up?

• The transactions will post to your account when the business settles their account, which may not always be the same day the transaction is conducted.  Business have up to 30 days to settle their account.

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

• The debit card transaction will post the same as always.  The rounded-up portion will not take place.  If there are pre-authorizations that have thrown the account into the negative, then those transactions will not round up.

I want to participate, but I don't have $100 to open a savings account and I don't want to pay the $2 minimum balance fee.  What should I do?

• Central National Bank will waive the $2 monthly fee as long as you are participating in the "It Makes Cents" program.

Are business accounts eligible?

• Yes.  Both personal and business accounts are eligible.

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.