Top-Up Savings is a new online banking tool to turn your spending habits into savings. Every time you use your Member Card, you can "top up" your purchase (on point-of-sale transactions) to add to your savings account. You won't even notice these small amounts added to your purchases and building your savings.
Top-Up Savings help centre
- Sign in to online banking.
- Under My Servus, select Dashboard.
- Choose "Top-Up Savings."
- Add your Member Card.
- Choose where the savings will go (you can use an existing savings account or start a new free savings account specifically for your Top-Ups).
- Decide if "rounded" or "fixed" is the right Top-Up option for you.
- Submit your preferences and start using your Member Card.
The "Fixed Top-Up" will add $1, $2 or $5 to every transaction while "Rounded Top-Ups" will increase each transaction to the nearest multiple of $1, $2 or $5.
Fixed example ($5 fixed top-up preference)
If you spend $1.20 on coffee using your card, we’ll automatically add $5 to your purchase amount, making the total transaction amount $6.20. $1.20 goes towards the coffee purchase and $5 goes into your savings.
$1.20 + $5 = $6.20 ($5 saved)
Rounded example ($5 rounded top-up preference)
If you spend $1.20 on coffee using your card, we’ll automatically round up that purchase to the nearest five dollars, making the total transaction $5. $1.20 goes towards the coffee purchase and $3.80 goes into your savings.
$1.20 + $3.80 = $5 ($3.80 saved)
What happens if I have insufficient funds?
Not to worry! If you don't have sufficient funds in your account to cover the total Top-Up amount for the day, we'll only transfer a partial payment leaving your account balance at $0. Your account will not be overdrawn due to a Top-Up.
Also know that pending automatic transfers (loans, bill payments, etc.) will be prioritized over Top-Ups. We don't want to disrupt your finances, we do want to help you save.
I would like to opt out. What do I do?
You can remove your Member Card at any time in the Top-Up Savings dashboard in online banking. Choose "Remove card". You can always add it back in if you want to restart your Top-Ups.
What cards can I use with this feature?
Your Member Card (debit card) used for point-of-sale purchases, is the only eligible card to use with Top-Up Savings. Your Servus Mastercard® credit card is not eligible at this time.
I made a purchase, but I don't see the Top-Up in my savings account—what happened?
Your Top-Ups are transferred at the end of the day as one lump sum. You'll see yesterday's Top-Ups in your account today and today's Top-Ups tomorrow.
Terms and conditions
Servus online banking is subject to the terms and conditions in our Digital Banking Agreement.