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How to Automate Savings with First Savings Bank – A Guide to Making Saving Effortless



Title: How to Automate Savings with First Savings Bank – A Guide to Making Saving Effortless

Subtitle: Turn spare change from daily swipes and set-it-and-forget-it transfers into real money — no extra effort required

Saving money in 2026 feels tough. Between inflation, subscription creep, and that impulse Amazon buy at 2 a.m., it's easy for "I'll save next paycheck" to become next year's resolution.

The fix? Automation. First Savings Bank (a trusted Indiana-based community bank with solid online tools) makes it dead simple with their #changeup round-up program and automatic recurring transfers. You set it once, and your savings grow quietly in the background — while you grab coffee, fill up gas, or order DoorDash.

Here's your straightforward, step-by-step guide to effortless saving with First Savings Bank.

1. The Two Key Tools That Do the Heavy Lifting

  • #changeup Debit Card Round-Up Program Every time you use your First Savings Bank debit card, purchases round up to the nearest dollar. The spare change (e.g., $4.70 coffee becomes $5.00 → $0.30 saved) transfers automatically to your linked savings account at the end of the day. → Great for everyday spending like groceries, gas, takeout, or online shopping. Many users report $20–$50 extra saved per month without changing habits.
  • Automatic Recurring Transfers Schedule fixed amounts (e.g., $50, $100, or $200) to move from checking to savings on payday or monthly. Set it up once in online banking — it runs forever. → Ideal for bigger goals: emergency fund (aim for 3–6 months of expenses), vacation, home down payment, or just beating lifestyle inflation.

Both work seamlessly with their Statement Savings or tiered high-yield savings accounts (low $50 minimum to open, interest on the entire balance).

2. Step-by-Step: Activate #changeup Round-Ups

  1. Log in to your First Savings Bank online banking at fsbbank.net or download/open the mobile app (available on iOS and Android).
  2. Find the feature — Head to the Accounts or Savings section and look for "#changeup" (it's highlighted under personal savings tools).
  3. Enroll & link — Connect your FSB checking account (with debit card) to an eligible savings account (like Statement Savings).
  4. Confirm setup — No extra fees for the program itself; approve any prompts.
  5. Start using — Swipe your FSB debit card for daily purchases. The system rounds up each transaction, totals the change, and deposits it to savings daily.

Pro tip: Use your FSB debit card for routine stuff (Starbucks runs, grocery pickup, Uber Eats) to maximize round-ups without extra work.

3. Step-by-Step: Set Up Automatic Monthly Transfers

  1. Log in to online banking or the app.
  2. Go to Transfers → Choose "Internal Transfers" or "Recurring/Scheduled Transfers."
  3. Select accounts — From: your checking; To: your savings account.
  4. Enter amount & frequency — Pick a realistic number (start small — $25–$100/month) and set it to recur on a specific date (e.g., right after direct deposit hits).
  5. Make it indefinite — Choose "ongoing" or no end date for true automation.
  6. Save & verify — Confirm once, and you're done — the bank handles everything moving forward.

Bonus: Align transfers with payday so you "pay yourself first" before the money vanishes into bills or spending.

4. Tips to Supercharge Your Automated Savings in 2026

  • Stack both tools — Let #changeup catch micro-savings from daily life; use auto-transfers for consistent growth.
  • Leverage the dashboard — First Savings Bank's online portal includes personal finance tools to track progress, set goals, and visualize your savings climb.
  • Turn on alerts — Get texts/emails for low balances or completed transfers — stay informed without constant checking.
  • Review every quarter — Log in every 3 months to celebrate milestones (e.g., "Hit $5,000? Treat yourself to one nice dinner — then bump the auto-transfer by $25").
  • Start small & scale — Even $10–$20/month adds up fast with compound interest.

5. Why Automation Wins (Especially Now)

In a world of one-click purchases and endless notifications, willpower alone doesn't cut it. Automation removes the decision — money moves before you can spend it. Behavioral experts call it "out of sight, out of mind," and it's one of the most effective ways Americans build wealth quietly.

With First Savings Bank's straightforward tools, saving stops being a chore and becomes a background habit.

Final Thought

You don't need to be a finance guru or cut out lattes. Just make saving the default.

Spend 10–15 minutes today logging in, setting up #changeup (or an auto-transfer, or both), and watch 2026 become the year your savings actually grew — effortlessly.

Already using round-ups or auto-transfers? Which goal are you automating first (emergency fund, vacation, something else)? Drop a comment below — I'd love to hear your setup!

Stay smart with your money, emmaad February 19, 2026

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