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Change is Good!

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When you enroll in NB&T’s Change is good! savings program, we will round up the amount of any NB&T Visa debit card transaction made by you or a joint owner of your NB&T checking account to the next whole dollar amount, and transfer the amount in excess of the purchase price from your NB&T checking account to your NB&T savings account. If your purchase is $15.15 we will round up that amount to $16.00 and place $0.85 into your savings account.

Customers must have an NB&T savings account in order to participate (not available with Money Markets, IRA’s, or Certificate of Deposit).

A single transfer is made from your NB&T checking account to your NB&T savings account in the amount of the aggregate value of the rounded transactions. There will be a one business delay in your Change is good! posting.


If on any business day you do not have sufficient available funds in your NB&T checking account, or if any transaction has overdrawn your NB&T checking account, no Change is good! transfers will be completed for that business day.

If your NB&T Visa Debit Card purchase is subsequently reversed or cancelled the corresponding Change is good! transfer will remain in the NB&T savings account.

We may cancel the NB&T’s Change is good! service at any time. NB&T’s Change is good! is available only on NB&T Visa Debit Cards linked to an NB&T personal checking account.

To cancel the NB&T’s Change is good! service please contact The National Bank & Trust Company at 888-895-2125 or 815-895-2125.

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