More Ways to Save
When it comes to saving for college, every contribution to the account helps. Even smaller contributions, if made regularly, can add up over time. Here are additional opportunities to help you save regularly and invite others to get involved.

Automatic Investment Program

The SMART529 Automatic Investment Program (AIP) is an easy way to make regular contributions to a college savings account. Just provide the dollar amount and frequency of your contributions (typically monthly), and they'll be transferred electronically from the bank or credit union account you specify to your SMART529 account.

Get Started




Payroll Direct Deposit

Automatic payroll direct deposit makes saving for college nearly effortless. Your employer must be able to support this feature.

  1. Log in to your account.
  2. Select the Profile & Documents link on the right side of the screen.
  3. Select the Payroll Deduction link on the left side of the screen and follow the instructions.

Good to Know

  • There is no minimum amount required for initial or subsequent contributions
  • Contributions are paid with after tax-dollars
  • Your employer must be able to support this feature


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Upromise is a free service that helps families save for college by providing opportunities to earn cash back rewards for everyday activities such as online shopping, dining, grocery shopping, purchasing gift cards and more. Rewards are automatically deposited as contributions to your SMART529 Plan account when you reach $50 in rewards.1


Join Upromise for free today:

  • Earn $5.29 in bonus rewards when you open a new Upromise account.
  • Earn an additional $25 in bonus rewards when you link your first SMART529 Plan account to your new Upromise account.
  • Earn additional rewards continuously by shopping, dining, answering surveys and more everyday activities.
  • Link your Upromise account to your 529 plan account and you’re automatically entered into the monthly Upromise 529 Scholarship drawing of five $529 scholarships.

Learn more at



uGift logo


Ugift® lets you invite family and friends to celebrate occasions with the most meaningful gift of all: money towards a college education.

It's Easy:

  • Log in to your SMART529 account
  • Click on the Ugift® link in the left navigation bar
  • Follow the step-by-step instructions

Fill in your celebration details and enter your invitee list and their email addresses. With the click of a button you can send out an invitation and a specially coded gift coupon via email. You can also print out coded Ugift® coupons to hand or mail out. 

When family and friends mail back the gift coupon with a check (minimum of $25.00) a code on the coupon links it to your celebration, approximately five days after the celebration date the gift contribution is invested directly into your SMART529 account. A "Thank You" email is also sent to your invitee to acknowledge receipt of the gift if the gift-giver's address was entered on the e-invitation.



uGift logo


Gift of College is an online gift registry program that allows family and friends to contribute toward higher education. You can give gift cards conveniently online via email or physically in the mail (minimum of $25). The card can easily be redeemed right into a college savings 529 account.

Purchase a gift card



1 Upromise is an optional service offered by Upromise, Inc., is separate from SMART529 WV Direct, and is not affiliated with the State of West Virginia and Hartford Funds. Specific terms and conditions apply. Participating companies, contribution levels and conditions are subject to change without notice. Transfers are subject to a $50 minimum.

Upromise, Inc. is not affiliated with the State of West Virginia or Hartford Funds.

"Upromise" is a registered service mark of Upromise, Inc.

Ugift is a registered service mark of Ascensus Broker Dealer Services, Inc.

Gift of College is not affiliated with the State of West Virginia or Hartford Funds.