Eligibility. The Program is available to all members with personal checking accounts and associated debit cards. The Program is not available for business accounts.

Terms and Conditions
By selecting “Opt In” and signing this Debit Card ChangeUp Program Enrollment Form (“Enrollment Form”), you hereby request Sandia Area Federal Credit Union (“Sandia Area”) to enroll the checking account designated above (“Checking Account”) in the Debit Card ChangeUp Program (“Program”) and agree to these Program Terms and Conditions. Upon enrolling in the Program, Sandia Area will round up, to the nearest whole dollar, the amount of any purchase made using a debit card associated with the Checking Account, and transfer the excess of the purchase price to the account specified under the Opt In section of this form. 

Participation in the Debit Card ChangeUp Program is at the account level. You cannot enroll or remove individual debit cards associated with your Checking Account. You must submit a separate enrollment form for each Checking Account that you wish to enroll or remove from the Program.

Purchases made using checks, ACH, or other means of payment do not qualify for participation in the Program. ATM transactions are not included in the Program. 

After you have enrolled in the Program, purchases made using any debit card associated with the enrolled Checking Account will be subject to ChangeUp activity. Sandia Area will aggregate the rounded up amounts from all purchases that post to your Checking Account each day and make a single transfer at the end of the day. 

If on any given day your Checking Account does not have sufficient available funds to round up, or if any transaction has overdrawn your Checking Account, Sandia Area will not round up purchases posted on that day. ChangeUp transfers will resume the following day, or on the next day that sufficient funds are available.

If a debit card purchase is subsequently canceled or reversed, the corresponding ChangeUp transfer will remain in the account specified under the Opt In section of this form. 

If you receive a new debit card (if yours is lost, stolen, or reissued), your participation in the Program will continue - there is no need to re-enroll in the Program. 

Termination. You may cancel your participation in the Program at any time by submitting this Enrollment Form and selecting the “remove” option below.

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Program Enrollment Selection

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Complete this section if Opting In to the Program. Check only one box and complete the field immediately below your selection.

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Signature