You must be 18 years of age or older and have an ORNL FCU ​Spending Account with a debit card and a savings account (Membership Account, Plan Ahead Savings, or Money Market Account).

There is no cost to enroll. Also, the round up transfer will only happen if you have extra funds at the end of the day; the round up transfer will never overdraw your account. Simply call or stop by any branch to sign up today!

ORNL FCU will round up the amount of any VISA Check Card purchase made by you or a joint owner of your Spending Account to the next whole dollar amount, and transfer the amount in excess of the purchase price from your Spending Account to your savings account. If you have multiple debit cards on an account, all card activity will be treated the same.

ORNL FCU will aggregate the round-up from VISA Check Card (debit card) purchases that post to your Spending Account each business day and make a single transfer (the “Round Up” transfer) at the end of the business day.

If on a business day you do not have sufficient available funds in your Spending Account, or if any transaction has overdrawn your Spending Account, we do not round up purchases posted on that business day and we cancel the VISA Check Card Round Up transfer for that day.

If your VISA Check Card purchase is subsequently canceled or reversed, the corresponding VISA Check Card Round Up transfer will remain in the savings account.

VISA Check Card Round Up is available only on a debit card linked to your ORNL Credit Union Spending Account.

We may cancel the VISA Check Card Round Up service at any time. Always keep track of your share draft accounts to avoid any possible non-sufficient funds (NSF) fees. By signing this document you agree to these terms and conditions.