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Change Counts

At C1st Your Change Counts

Make the most of your change in three simple steps.
You take the first step; we’ll take it from there.


how it works - image of piggy bank

These days, every cent matters. At C1st, we make it easy for you to save your cents with our Change Counts program.  How?  It's as easy as 1 - 2 - 3.  Every debit card transaction adds to the total. So, how much will you save?

  1.  You make purchases with your C1st Visa® debit card.
  2.  We will round up the purchase to the next whole dollar amount.
  3.  We deposit the change into a C1st savings account of your choice.

Start making your Change Count and enroll today.


Enrollment or cancellation in Change Counts takes 3 to 5 days to take effect. Business checking accounts are not eligible. When you opt in to the Change Counts program, we round up the amount of any C1st Visa debit card transaction made by any cardholder of your checking account to the next whole dollar amount in excess of the transaction amount, and transfer that amount from your enrolled checking account to the designated savings account. You must be an account owner on both the checking and savings account you enroll. Both signature and PIN-based transactions made with a C1st Visa debit card qualify, as well as ATM transactions. Change Counts is only available on a C1st Visa debit card linked to your C1st checking account. We will aggregate the round-up amounts from each qualifying transaction that posts to your checking account each business day and make a single Change Counts transfer at the end of the business day. If on a business day you do not have sufficient available funds in excess of any minimum balance requirement in your checking account, we will not round up transactions on that business day and we will cancel the aggregate Change Counts transfer for that day. If any C1st Visa debit card purchase is subsequently cancelled or reversed, the corresponding Change Counts transfer will remain in the designated savings account. The Change Counts program will be suspended on your account if all C1st Visa debit cards on the checking account are closed, the checking account enrolled in Change Counts is closed, or the account receiving Change Counts transfers is closed. To enable Change Counts again you will need to activate a new C1st Visa debit card on the enrolled checking account or opt in again with new checking or savings account information. C1st reserves the right to modify or cancel the program at any time without prior notice. You agree to notify C1st in writing or opt out electronically if you wish to cancel the Change Counts program.