Save More Money Automatically With Every Everyday Swipe

What if your spare change could build a major savings cushion without you ever lifting a finger? Marine FCU introduces Cha-Ching, the smartest, easiest way to grow your savings automatically simply by using your debit card for regular purchases. Every time you buy groceries, fill up your tank, or grab a coffee, our system rounds up your transaction to the next highest dollar and moves that extra change directly into your account.


Simple Setup, Automatic Growth

How do you get started with Cha-Ching?

We make expanding your financial health entirely hands-free. Review our straightforward framework to maximize your account:

  • How to Activate: Opt in to Cha-Ching Round Up Savings*, or visit a local branch to request your instant opt-in enrollment.

  • Everyday Purchases Only: The roundup program applies to all standard in-store and online debit card point-of-sale transactions. Please note that ATM transactions are not included.

  • Seamless Transfers: Your cumulative roundups are calculated daily and moved automatically to the savings account of your choice, such as your Christmas Club or Secondary Savings accounts


Watch the Change Add Up!

Use the calculator and click on the typical purchases you make during the week to estimate your savings.


Keeping Our Community Savers Covered

Review our quick account rules to make sure your household is eligible to start saving

  • Account Standing: Your accounts must remain in good structural standing to participate.

  • Account Restrictions: Cha-Ching is built strictly for Simply Free and Gunny** Checking Accounts; Business and Organization accounts are not eligible.

*Cha-Ching will normally be available within two (2) business days from your opt-in request. 
**Gunny savers with a Gunny Checking account must be 16 or 17 years of age, and a parent/legal guardian must opt the Gunny Saver in.