Smart Swipe New
Round up every debit card purchase and deposit the difference into another Bank Independent account. It makes a lot of cents.
Earn 5.01% APY*
with Smart Swipe
Save Automatically Every Time You Use Your Debit Card.
With Smart Swipe, every Bank Independent debit card purchase from your checking account helps you save a little more. Each time you swipe, your purchase is rounded up to the next dollar and the difference is deposited into your Smart Swipe account automatically where you'll earn 5.01% APY* with your Smart Swipe Account.
Open a Checking Account Enroll Today
A Smarter Way to Save
✔ Automatic savings with every swipe.
✔ Competitive rate to help grow your money.
✔ No manual transfers — just spend and save.
✔ Built entirely through everyday purchases. The more you use your card, the more you save.
How It Works
- Make a purchase using the debit card from your checking account.
- We round the transaction up to the next whole dollar.
- The difference is automatically transferred from your checking account into your Smart Swipe Account.
Example: Coffee for $4.53 becomes $5.00 and $0.47 goes to Smart Swipe.
Built for Simplicity
No cash. No transfers. No extra steps.
Just use your debit card and watch your savings grow.
Just use your debit card and watch your savings grow.
Disclosure
*Annual Percentage Yield is effective as of 04/10/2026 and the rate may change after the account is opened. Fees may reduce earnings. No minimum balance is required to obtain the stated APY. Only smart swipe transfers can be deposited into the Smart Swipe account. No other deposit transfers can be made into this account. Any deposits made into this account outside of Smart Swipe transfers will be returned or deposited into an associated checking account. Withdrawals can be made at any time.