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Security Cents

Save effortlessly with every purchase.
At Security Bank, we believe saving should be simple — and automatic. That’s why we created Security Cents, a program that rounds up your debit card purchases to the nearest dollar and transfers the spare change into your Security Bank savings account.

How the Program Works

When you enroll in Security Cents, your everyday debit card purchases are automatically rounded up to the next whole dollar. The difference — whether it's $0.03 or $0.97 — is transferred to your linked Security Bank savings account. Over time, those cents add up to real savings.

Example:

Purchase amount: $50.75
Rounded to: $51.00
$0.25 is transferred to your savings account

Your purchase still posts as normal, while a separate transaction line displays your round-up deposit. It’s saving, made seamless.

Eligibility Requirements

To enroll in Security Cents, you must:

Have a Security Bank Checking Account
(Note: Not available for Business, Money Market, or Health Savings accounts)
Have a Security Bank Debit Card
Have a Security Bank Savings Account
Enroll and agree to the program’s Terms & Conditions

Please allow up to three business days for your enrollment to be processed and activated.

How Savings Are Calculated

For each qualifying debit card transaction, we round the purchase to the next dollar and transfer the difference to your savings account.

You can customize your round-up amount in whole dollars (up to $9.00)
Or keep the default setting to round to the nearest $1.00

Transaction Example Display:

Checking account: “SC Savings $0.25 XXXX Vsa Pur …$50.75”
Savings account: “Security Cents Savings Transfer from Acct # … $0.25”

Daily Transfers

At the end of each business day, Security Cents totals all your round-ups and makes one single transfer to your savings account.

Transfers only occur if there are sufficient funds in your checking account
Round-up deposits typically appear in your savings the next business day

Returned Purchases & Adjustments

The transfer will remain in your savings account if a purchase is refunded or canceled after the round-up transfer.
Round-ups do not apply to returns, credit adjustments, or non-purchase transactions.

Statements

You’ll receive a combined monthly statement showing both checking and savings activity — including your Security Cents round-up transfers.

Changes to the Program

Security Bank may update or discontinue the Security Cents program at any time without prior notice.

How to Cancel

You may opt out of the program at any time by:

Calling us at 217-789-3500
Emailing support@securitybk.com
Visiting any Security Bank branch

Start Saving Without Even Thinking About It

Enroll in Security Cents today and turn your spare change into real savings — one swipe at a time.