Share Advancial - Friend Referral Terms and Conditions

Share Advancial - Friend Referral Terms and Conditions

Friend Referral TERMS AND CONDITIONS

(1) REFERRER (the current Advancial member): If you are qualified to participate in the Friend Referral Program (see Qualifications below), for each qualified immediate family member or close friend (see Qualifications below) you refer (“Referee”), and subject to these Terms and Conditions, you can earn a $50 reward upon the Referee completing all of the following:  The Referee opens a qualifying Advancial product as listed below in the Referee section and completes the Program Requirements for that product.  The $50 reward will be deposited into your Advancial member share savings account within ten (10) business days after the Program Requirements have been fulfilled by the Referee.  Only one reward will be paid for each Referee.  You may make a referral by enrolling in the Friend Referral Program when you sign on to Advancial’s cuAnywhere Online Banking and click on the “Refer a Friend” link located under “Enrollments”.  You will need to enter the Referee’s accurate first and last name and correct email address and a “Refer a Friend” email will automatically be sent to the Referee.  No other methods of referring are allowed for participation.  By providing the Referee’s information to us you agree that the Referee is an immediate family member or close friend and has given you his/her consent to provide this information and to receive the referral invitation from you and sent by us on your behalf to the Referee’s email address that you provide.  We will only use the Referee’s name and email address for the Friend Referral Program offer and not for any other purpose and the information will not be sold to third parties.  If the Referee’s email address is in our email opt-out database, no email will be sent and the Referee is not eligible. We are not responsible for the failure of a Referee to receive, read, or participate in the Friend Referral Program.

(2) REFEREE (the new member who is being referred).  If an Advancial member sends you a “Refer a Friend” email, you may earn a one-time $50 bonus upon completion of any one of the following: 1. Closing a mortgage loan with Advancial. 2. Closing a consumer auto loan or financing a consumer auto lease with Advancial.  Business loans are not eligible. 3. Opening an Ultimate Checking Account or an Inbound Checking Account with Advancial AND having two (2) “qualified direct deposits” of at least $500 made to the account within 90 days of account opening AND having five (5) debit card purchase transactions (excluding ATM transactions) within 90 days of account opening. A “qualified direct deposit” is an electronic deposit into the Ultimate Checking Account from the U.S. government or your employer on a recurring basis, at least monthly. 4. Open a Visa Rewards Plus card AND having twenty-five (25) purchase transactions within the first 90 days of account opening. Balance transfer transactions are not eligible and do not count toward the 25 transactions.  You may participate in the Friend Referral Program by applying for membership and opening an account to fulfill the Program Requirements through Advancial’s cuAnywhere Online Banking, by visiting an Advancial branch, or by calling 800.322.2709.  To participate in the Friend Referral Program you must provide your same email address that the Referrer used to send you the “Refer a Friend” email.  No other methods are allowed to participate. The Referee must complete all Program Requirements within 180 days of delivery of the “Refer a Friend” email (delivery is according to Advancial’s records)  or the offer will expire.  Only one bonus will be paid to Referee.  The bonus will be deposited into your member share savings account within ten (10) business days after all of the requirements for one of the qualifying Advancial products have been met. The bonus cannot be used as part of the opening deposit for any account.

QUALIFICATIONS TO PARTICIPATE

Referrers:  You must be 18 years of age or older and be an individual (no businesses).  You must have an open Advancial member share savings account, be the primary owner on the account, and be a member in good standing at the time of payment to receive the referral reward. Joint owners are not eligible to be Referrers.  Only one “Refer a Friend” email per Referee is permitted.  In the event multiple Referrers send “Refer a Friend” emails to the same Referee, only the sender of the first “Refer a Friend” email shown sent according to Advancial’s records will be eligible for the Referrer reward.  The eligible Referrer will receive email notice when the Referee has fulfilled the Program Requirements.  Advancial cannot provide any account or status information to you about the Referee.  Advancial employees are not eligible to be Referrers.

Referees:  Referees must be 18 years of age or older and be an individual (no businesses) and eligible for membership in Advancial.  An existing or previous Advancial member, or anyone who is or was a joint owner on an Advancial account is not eligible to be a Referree.  Membership and all accounts are subject to Advancial’s normal approval process.  You will receive email notice when you have fulfilled the Program Requirements.  Advancial employees are not eligible to be Referees.

GENERAL TERMS

The Advancial Membership Fee will apply to new accounts.  These Terms and Conditions are subject to change and the Friend Referral Program can be suspended or terminated at any time by Advancial at any time without notice. Referrals must be sent using the “Share Advancial” portal within cuAnywhere Online Banking in order to be eligible. Referrals made verbally or otherwise are not eligible. Referrals made prior to August 1, 2019 are not eligible. The reward and bonus and participation in the Friend Referral Program is non-transferable and cannot be combined with any other offer. All rewards and bonuses will be paid in United States dollars.

Rewards and bonuses may be reported to the Internal Revenue Services on IRS Form 1099-MISC. The recipient is responsible for any federal, state, and/or local taxes on rewards or bonuses.  Advancial and its representatives do not provide tax or legal advice.  For tax or legal advice related to your reward or bonus, contact you own advisor.

We reserve the right to disqualify referrals in circumstances where we reasonably believe they were not made in good faith. Advancial employees are not eligible to participate in the Friend Referral Program as a Referrer or Referee.

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