For most people, “saving money” feels like giving something up—skipping the lunch out, canceling the streaming service, saying no.
But real financial wellness isn’t about restriction. It’s about rhythm.
What if saving could quietly work in the background, supporting members with every swipe without adding friction or decision fatigue?
Today’s members, especially younger, digital-first users, expect smarter, more proactive financial solutions that help them improve their financial lives without requiring manual effort or complex decisions.
That’s the role of Save the Change: a low-effort, high-impact feature that turns routine transactions into meaningful progress. Invisible when it needs to be. Indispensable once it’s there.
What is Save the Change
Save the Change, IMS Integration’s newest addition to its suite of automated savings tools for credit unions is a round-up-based micro-savings feature designed to do more than just pad savings accounts. It’s built to transform the member experience, promote financial wellness, and drive long-term engagement. All while seamlessly integrating with your core system.
It automates good habits, creates momentum from everyday spending, and ensures members feel empowered, not overwhelmed, by their financial goals.
From Transactions to Transformation: Why Micro-Savings Matter
Despite growing awareness around personal finance, saving remains one of the most significant challenges facing Americans. A large percentage of consumers—especially Gen Z and Millennials—struggle to maintain an emergency fund or save consistently.
The root cause? It’s human nature to stick with routines. Even with the best intentions, saving often takes a backseat simply because it requires extra steps in an already busy life.
Here’s the difference-maker: Instead of pushing members to take action, automated financial wellness tools build momentum by removing barriers.
Micro-savings solutions like Save the Change insert small, intelligent nudges directly into daily life. At checkout. On mobile. In real time.
By rounding up debit card transactions and transferring the spare change into a savings account, Save the Change turns every purchase into progress—and every member into a saver. Over time, those micro-deposits create macro-results: emergency cushions, peace of mind, and empowered financial behavior.
Building Member Loyalty Through Everyday Value
Unlike flashy one-time promotions, Save the Change delivers consistent, compounding value—creating daily touchpoints that reinforce your credit union’s role as a partner in your members’ financial journey. And that ongoing value strengthens your retention strategy.
Here’s how:
- Every swipe becomes a savings opportunity. Members are reminded, subconsciously, that your CU is helping them build financial stability with every purchase.
- Savings becomes habitual. The process becomes invisible, removing the psychological burden of “deciding to save.”
- Engagement deepens. Members feel supported, not sold to. That builds trust.
Save the Change is already aligned with 2025’s most important fintech savings movements: personalized automation, embedded wellness, and proactive financial behavior.
Core-Integrated, CU-Focused: What Makes IMSI Different
Most fintech savings tools on the market today are built for mass-market banks or third-party apps. They may offer sleek UIs or generalized solutions, but they rarely speak the language of credit unions or integrate cleanly with core systems like Corelation or Symitar.
IMSI’s Save the Change is built differently.
It’s part of a deeply core-integrated suite of digital banking tools built specifically for credit unions. That translates to:
- Real-time transaction monitoring and round-up logic
- Automated transfers to member-designated savings accounts
- Customizable thresholds, pause/resume controls, and goal-tracking
- Support for CDD, IDV, and compliance workflows
- Analytics tools to monitor member participation and ROI
- Tailored to your brand, member experience, and operational needs
Looking to increase member savings, deepen loyalty, or launch a new savings app integration?
Save the Change helps credit unions hit those goals faster, and better, by building daily, data-backed momentum.
Serving the Next Generation of Savers
Millennials and Gen Z now dominate the digital banking landscape—and they’re demanding more than just functionality. They expect their financial tools to feel as intuitive and rewarding as their favorite wellness, delivery, and social apps.
Save the Change meets that bar and raises it.
It fits seamlessly into mobile-first experiences and empowers members to:
- Set and adjust goals
- Track progress automatically
- Build savings behavior passively
No friction. No pressure. Just results.
As the financial landscape evolves, credit unions aren’t just competing with each other. They’re up against neobanks, fintechs, and big tech. To stay relevant, credit unions must offer tools that go beyond utility and deliver real-life value.
Modern Financial Wellness, Built to Last
Financial wellness isn’t an add-on anymore—it’s the foundation of member loyalty, satisfaction, and long-term growth.
With Save the Change, your credit union sends a clear message:
- We help members build wealth, not just manage money.
- We deliver tech that supports their goals, not just their accounts.
- We’re not just a financial provider—we’re a progress partner.
Ready to Turn Transactions Into Transformation?
If your credit union is ready to transform savings from an afterthought into a daily driver of loyalty and wellness, IMSI is here to help.
With decades of expertise, a commitment to core-first integration, and unmatched CU-specific customization, we’ll help you launch quickly—and grow sustainably.
Let’s build better savings habits—automatically. Contact us today to explore Save the Change and other credit union automation tools.
