Spend N Save

Now you can enjoy effortless savings.

  • Spend 'n' Save turns your debit card into a savings tool by rounding up any debit card purchase to the nearest dollar and transferring the difference to your savings account.
  • All of your Spend 'n' Save amounts from each of your purchases are added up at the end of the day and then transferred to your savings account.
  • In Digital Banking and on your statements, your debit card purchases appear as usual with their exact amounts. You will see a Spend 'n' Save transfer from your checking to your savings account each day for the total amount you saved by automatically rounding up all your debit card purchases.

Getting Started is Simple

  1. Log in to Digital Banking
  2. Scroll to the “Rewards” tile
  3. Click “Enrollment”
  4. Select the checking and savings accounts you would like to enroll

Sign me up!

If you already have a debit card with your Langley checking account, sign up for Spend 'n' Save in Digital Banking.

Register In Digital Banking

It's easy to get your Langley debit card. Open your checking account today

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When are the funds transferred to savings?

Spend 'n' Save transfers take place at the end of the business day on which your purchase posts to your checking account. If the transaction posts late at night, the round up may occur the next evening.

How can I keep track of my savings from Spend 'n' Save?

Your Spend 'n' Save deposits will be tracked in the “Rewards” tile in Digital Banking.

How will purchases and the amount set aside as savings appear on my statements and in Online and Mobile Banking?

Debit card purchases will be posted to your account for the exact amounts and will appear on your statement as they always have. The round up amount will post in a lump sum at the end of each day with the words "Spend and Save Transfer" in your checking account and "Spend and Save Deposit" in your savings account.

Are automated payments (using my debit card number) included in Spend 'n' Save?

Yes, these transactions should round up the same way your other debit card transactions do.

If I have a checking account that a joint user has their own debit card for, do we each need to enroll to participate

No, all debit cards attached to a checking account will participate in the Spend 'n' Save program once at least one of you enrolls the account.

What if there is not enough money in my checking account to cover the rounded up amount?

A daily Spend 'n' Save transfer will not occur in the following situations:

  • The entire amount of the daily transfer is not available and the transfer would create a negative balance.
  • A negative balance already exists.
What if I make a return?

If your debit card transaction is immediately reversed, no Spend 'n' Save transfer will occur. However, if you return an item after the transaction is completed, the Spend 'n Save transfer will post based on the original purchase amount.

Is there a limit on the amount that can be transferred daily or monthly to savings?

No, there is no limit on the amount or number of Spend 'n' Save transfers.

How can I keep track of my savings from Spend 'n' Save?

You can view your Spend 'n Save transfers from your checking to your savings in Online Banking, Mobile Banking and on your monthly statements. We will even provide a chart on your statement to track your success with the program.

Can Spend 'n' Save transfer to more than one savings account?

Spend 'n' Save transfers money to only one primary savings account.

What if I decide to change to a different savings account?

If the receiving Spend 'n' Save savings account is changed, any pending Spend 'n' Save transfers scheduled to go to the original savings account will transfer as expected to the new savings account.

How can I cancel or change the Spend 'n' Save program?

You can turn Spend 'n' Save off and on by clicking the "enable" toggle switch.

Can I request that the savings be deposited into another member's account (i.e. grandchild, child)?

You may only transfer to the primary savings account under your member number.