Multiply the Change

Up Your Savings With Multiply the Change.

A dime here. A few quarters there. It may not sound like much, but it can add up fast. With Multiply the Change, we'll round up every purchase you make with your Ridgewood Debit Mastercard®. Then we'll transfer that amount from your Ridgewood checking account into your Ridgewood savings account. It's just one of your debit card's many convenient features.

How Multiply the Change Works.

1

ENROLL

Enroll your Ridgewood Debit Mastercard®.

2

SPEND

Use your card for everyday purchases, such as at the grocery store, the movie theater, your favorite brunch spot, online and more.

3

SAVE

We'll round up all of your purchases to the nearest dollar and deduct the difference from your checking account. Then we'll make a single transfer into your Ridgewood savings account at the end of each business day.

See How Much You Could Save.

After you enroll in Multiply the Change, use your Ridgewood Debit Mastercard® for your everyday spending and watch your savings account balance grow. Here's how much you could save with these typical daily purchases:

save on coffee: $3.21

Save $0.79 per day.
That could add up to $288.35 a year!


To get started, sign in to Online Banking or visit your nearest branch.
SIGN IN BRANCH LOCATIONS

save on lunch: $10.55

Save $0.45 per day.
That could add up to $164.25 a year!


To get started, sign in to Online Banking or visit your nearest branch.
SIGN IN BRANCH LOCATIONS

save on ride fare $19.08

Save $0.92 per day.
That could add up to $335.80 a year!


To get started, sign in to Online Banking or visit your nearest branch.
SIGN IN BRANCH LOCATIONS

save on groceries: $30.72

Save $0.28 per day.
That could add up to $102.20 a year!


To get started, sign in to Online Banking or visit your nearest branch.
SIGN IN BRANCH LOCATIONS

Getting Started Is Easy.

All you need is:

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A Ridgewood Checking Account With a Debit Card

plus
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A Ridgewood Savings Account: Statement, Smart Move, or Holiday/Vacation Club Account

Are you missing one of these accounts?

Compare checking and savings accounts and open online today.

OPEN ACCOUNT

Each Purchase Earns You Rewards, Too.

A bigger savings account isn't the only reward you'll get when you use your Ridgewood Debit Mastercard®. You can also take advantage of TWO rewards programs:

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uChoose Rewards®

Each time you use your debit card, you'll automatically earn rewards points you can use on cool stuff like cash back, travel, event tickets and much more.

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Purchase Rewards

Activate exclusive cash-back offers at select retailers and pay for purchases with your debit card to earn cash back.

In order to utilize the Multiply the Change service, you must meet all the following requirements: Active Ridgewood Debit Mastercard® that has (1) A linked eligible checking account, such as a Ridgewood Good, Student Advantage, or Premier Checking Account, and (2) An eligible savings account, such as a Smart Move Savings, Statement Savings, Holiday Club or Vacation Club Account. The Multiply the Change service will not move funds to your designated savings account if your linked checking account has a negative balance, nor will the service create a negative balance with a round up Debit. If your Ridgewood Savings Bank Debit Mastercard® purchase is subsequently canceled or reversed, the corresponding Multiply the Change transfer will remain in the designated savings account. The Bank may cancel the Multiply the Change service or terminate your use of the service at any time without notice. The Multiply the Change service is available only for a Ridgewood Savings Bank Debit Mastercard® linked to eligible checking and savings accounts. If the checking account with the Multiply the Change service is closed or suspended or the savings account receiving Multiply the Change transfers is closed or suspended, the Multiply the Change service will be canceled. Products, services, terms and conditions subject to change without notice.