EvenUp Savings Program

Make saving money automatic with an EvenUp Savings Account from First Commerce! We're committed to making it easy for you to save money and reach your financial goals.

Here's how it works:

  • Open your EvenUp Savings Account.
  • Use your Free Checking or MyWay Checking debit card to make purchases anywhere.
  • We'll round the amount up to the next whole dollar and transfer the difference automatically to your EvenUp Savings Account.
  • You earn interest on the money you've saved!

You can also use your EvenUp Savings Account to:

  • Make withdrawals
  • Protect your checking account from overdrafts

Save Automatically - Earn Interest

EvenUp Savings Rates

Average Daily BalanceDividend PostingDividend RateAnnual Percentage Yield
$5.00 – $3,000.00 Quarterly 3.00% 3.04%
$3,000.01 or more Quarterly 0.50% 0.50%

EvenUp savings accounts are available with Free and MyWay checking accounts.

Learn how to reach your financial goals with free financial education from First Commerce and our partner Balance!

For more information or to open an EvenUp an account, call 850.488.0035 or 1.800.533.5772 or visit any of our locations.

When you enroll in our EvenUp Savings program, we even up the amount of any debit card purchases made by you or any debit cardholder of your Free or MyWay Checking account throughout the day to the next whole dollar amount, and transfer that amount from your Checking Account to the designated First Commerce savings account each night. If on a business day you do not have sufficient available funds in your Free or MyWay checking account, we do not EvenUp purchases posted on that business day and we cancel the EvenUp transfer for that day. If your debit card purchase is subsequently cancelled or reversed, the corresponding EvenUp transfer will remain in the EvenUp savings account. We may cancel the EvenUp transfer at any time. EvenUp is available only on debit cards linked to your First Commerce Credit Union Free or MyWay Checking account. EvenUp transfer deposits are the only deposits permitted into the EvenUp Savings account for Free Checking accountholders; MyWay Checking accountholders are encouraged to save more by allowing additional deposits. Withdrawals may be made against the EvenUp Savings account at any time, and may also be used as an overdraft transfer source for your checking account. The EvenUp Savings account will be set up with the same joint account owners and beneficiaries as your checking account.