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Smart Swipe

  • Simple. Everyday. Savings.


    Smart Swipe from Bank Independent is a simple way to save a little money at a time with every purchase you make with your Bank Independent Debit Card.  With Smart Swipe, a little change adds up to a lot of savings.  Add Smart Swipe to any Bank Independent checking account at no charge, and designate another Bank Independent deposit account for your savings deposits.  At the end of every business day, we'll round up each of your posted debit card transactions to the next dollar, and transfer the total amount of change into your designated account.

     Here's how Smart Swipe works:

    1. Use your Bank Independent Debit Card for a purchase.
    2. We'll round up that amount to the nearest dollar.
    3. We will automatically deposit the difference into your designated account.
    Smart Swipe Chart

     Enroll Now Button

    Frequently Asked Questions


    How do I enroll in Smart Swipe?
    Just visit a Bank Independent Sales Office near you, or call Customer Service at (256) 386-5000 or (877) 865-5050 to add Smart Swipe to your Bank Independent checking account.  You may also submit your enrollment request online.

    What if I don't have a second account with Bank Independent?
    You will need to designate another Bank Independent deposit account (checking, savings, money market or Smart Growth account) for your Smart Swipe transfers. You may open a new account online or visit a Sales Office near you.

    Does Smart Swipe make multiple transfers throughout the day?
    No; only one Smart Swipe transfer will be made on a business day. If multiple purchases post to your account in one day, Smart Swipe will round up each purchase and transfer the total difference in one deposit transaction.

    I used my card for purchases yesterday, but I didn't see a Smart Swipe transfer on my account last night. Why not?
    There could be several reasons: First, Smart Swipe transfers are processed only Monday through Friday. Also, only transactions that are posted to the account during the business day are rounded up for the Smart Swipe transfer; there is often a delay in the actual posting of a debit card transaction, even though the amount is deducted from your balance at the time the purchase is made.

    Will you still make my Smart Swipe transfer if that transfer would overdraw my account?
    No. If the amount of your Smart Swipe transfer exceeds the balance in your account, your Smart Swipe transfer will be cancelled for that day and will not be reattempted.

    Can I have my Smart Swipe transactions transferred into another person's deposit account?
    At least one person must be on both the account from which you are transferring and the account into which your Smart Swipe transfers are being deposited.

    My spouse and I both use debit cards for purchases from my checking account. Will Smart Swipe round up transactions from both debit cards?
    Yes. Smart Swipe is an account-level program, so transactions using any debit card tied to that account will be rounded up.

    Do online transactions qualify as Smart Swipe transactions?
    Yes. Any non-ATM transaction will be rounded up, including online purchases, point-of-sale transactions, and debit or credit purchases using your Bank Independent Debit Card.

    How do I cancel my Smart Swipe enrollment?
    Simply speak to a Personal Banker at a Sales Office or contact Customer Service at (256) 386-5000 or (877) 865-5050 Monday through Saturday from 8:00 a.m. to 8:00 p.m.



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