Terms & Conditions

Refer-A-Friend Checking Account Offer

Associated Bank – Refer-A-Friend Personal Checking Account Offer:


$50 Bonus (Referring Customer): Offer limited to referrals made through December 31, 2022. To be eligible to refer a customer to Associated Bank, you must register at ReferLive.com/AssociatedBank. For every customer you refer to Associated Bank who opens a new personal checking account and completes direct deposit and balance requirements, you can earn a $50 Visa® Reward Card. Referral payments will be made for the first 10 qualified referrals for a total of $500 in Visa Reward Cards in a calendar year. Additionally, to earn the $50 Visa Reward Card, you must be the first person to submit a valid email address for the referred customer. Only one $50 Visa Reward Card will be issued per referred customer. You will receive the Visa Reward Card four to six weeks after the referred customer completes the direct deposit and balance requirements associated with the offer mentioned. Offer is subject to change (at Associated Bank’s discretion) at any time without notice. Associated Bank colleagues are not eligible. For tax reporting purposes, a 1099 may be issued at year-end for the year in which the bonus is given. Visa, Inc. is not a participant or sponsor of this promotion.


$50 Bonus (Referred Customer): This offer limited to a new personal Associated Bank checking account opened and funded through December 31, 2022 by Refer-A-Friend customers who have been registered with ReferLive using the link provided to them by a current Associated Bank customer. Receive a $50 Visa Reward Card with required minimum opening deposit (Associated Access Checking: $25, Associated Balanced or Choice Checking: $100) and recurring direct deposits totaling $500 or more within 90 days of account opening from an employer or government agency. Person-to-person payments and transfers from existing or external accounts do not qualify as the required direct deposit transactions.

90 days (or the previous business day), after opening your checking account, we will calculate the sum of the average daily balances for all your open Associated Bank deposit accounts for days 31-90. Your bonus will be rewarded for a total average daily balance of $1,000 or more. All personal Associated Bank checking, savings, money market, IRA and/or CD account balances are included in the calculation of your total average deposit balance. Accounts must be titled with the same primary account holder to qualify for the bonus. Deposit balances from business, HSA, investment, minor or private banking accounts are ineligible. Associated Choice Checking is an interest earning account and interest is paid on the daily collected balance. Obtain the current annual percentage yield (APY) here.

The $50 Visa® Reward Card will be sent four to six weeks after meeting the qualifications. Account must be open at the time the bonus is paid and must remain open for a minimum of 12 months. If the account is closed within 12 months, Associated Bank reserves the right to deduct the bonus from the account prior to closing.

Offer limited to one per customer and cannot be combined with other offers. New customers opening online are limited to IA, IL, IN, KS, MI, MN, MO, OH and WI. Offer not available for customers who have received a new personal checking account monetary bonus within the last 24 months and have or have had an Associated Bank checking account within the last 12 months. Primary owner on the account must be 18 years or older to qualify. For tax reporting purposes, the bonus may be reported to the IRS on Form 1099. Associated Bank colleagues are not eligible. The offer and APY are subject to change, at Associated Bank’s discretion, at any time without notice and other exclusions may apply.


Visa, Inc. is not a participant or sponsor of this promotion.

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Refer-A-Friend Business Checking Account Offer:


$50 Bonus (Referring Customer): Offer limited to referrals made through December 31, 2022. To be eligible to refer a business customer to Associated Bank, you must register at ReferLive.com/AssociatedBank. For every business customer you refer to Associated Bank who opens a new business checking account and completes digital banking enrollment and transactional requirements, you can earn a $50 Visa Reward Card. Referral payments will be made for the first 10 qualified referrals for a total of $500 in Visa Reward Cards in a calendar year. Additionally, to earn the $50 Visa Reward Card, you must be the first person to submit a valid email address for the referred customer. Only one $50 Visa Reward Card will be issued per referred business customer. You will receive the Visa Reward Card four to six weeks after the referred business customer completes the offer requirements mentioned. For tax reporting purposes, the bonus may be reported to the IRS on Form 1099. Associated Bank colleagues are not eligible. The offer is subject to change, at Associated Bank’s discretion, at any time without notice and other exclusions may apply. Visa, Inc. is not a participant or sponsor of this promotion.

The person making the referral (Referrer) will earn a $50 Visa Reward Card for each individual referred (Referred Person) to Associated Bank who registers for the offer, opens a new Associated Bank account, and completes the offer requirements within the time specified in the offer. To make a referral, the Referrer must register for the program and share the offer with their friends, family, or coworkers. A Referrer may receive up to ten (10) Visa Reward Cards ($500 value) within a calendar year, but only one Referrer may receive a Visa Reward Card for each Referred Person who fulfills the requirements.


Up to $300 Bonus (Referred Customer): This offer is limited to a new business Associated Bank checking account opened and funded through December 31, 2022, using qualifying promo code by customers who have been registered with ReferLive using the link provided to them by a current Associated Bank customer. Offer limited to qualifying new Associated Bank Business Foundation Checking®, Business Core Checking® or Business Advanced Checking® accounts. Minimum deposit required to open is $100. Deposits from existing accounts do not qualify. Customer must enroll in Associated Connect® or Associated Bank Digital Banking AND complete five (5) customer-initiated transactions within 60 days of account opening. Bonus will be deposited into their account within 75 days of account opening after meeting the qualifications. Account must be open at the time the bonus is paid and must remain open for a minimum of 12 months. If the account is closed within 12 months, Associated Bank reserves the right to deduct the monetary bonus from the account prior to closing. Customers with an Associated Bank Business Checking account in the last six months and Associated Bank colleagues are not eligible. Exclusions apply. Primary owner on the account must be 18 years or older to qualify. Offer limited to one per customer, cannot be combined with other specials or offers and is subject to change (at Associated Bank’s discretion) at any time without notice. For tax reporting purposes, a 1099 may be issued at year-end for the year in which the bonus is given.

Visa and the Visa logo are registered trademarks of Visa International Service Association.


All trademarks, service marks and trade names referenced in this material are the property of their respective owners.


Member FDIC

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Associated Bank – Refer-A-Coworker Offer


$50 Bonus (Referring Customer): Offer limited to referrals made through December 31, 2022. To be eligible to refer a customer to Associated Bank, you must register at ReferLive.com/AssociatedBankCoworker. For every customer you refer to Associated Bank who opens a new personal checking account and completes direct deposit and balance requirements, you can earn a $50 Visa® Reward Card. Referral payments will be made for the first 10 qualified referrals for a total of $500 in Visa Reward Cards in a calendar year. Additionally, to earn the $50 Visa Reward Card, you must be the first person to submit a valid email address for the referred customer. Only one $50 Visa Reward Card will be issued per referred customer. You will receive the Visa Reward Card four to six weeks after the referred customer completes the direct deposit and balance requirements associated with the offer mentioned. Offer is subject to change (at Associated Bank’s discretion) at any time without notice. Associated Bank colleagues are not eligible. For tax reporting purposes, a 1099 may be issued at year-end for the year in which the bonus is given. Visa, Inc. is not a participant or sponsor of this promotion.


Earn up to $400 Bonus (Referred Customer):
This offer is limited to a new personal Associated Bank checking account opened and funded through December 31, 2022, via an employer sponsored Bank at Work program.

Receive up to a $400 bonus with required minimum opening deposit (Associated Access Checking: $25, Associated Balanced or Choice Checking: $100) and recurring direct deposits totaling $500 or more within 90 days of account opening from an employer or government agency. Person-to-person payments and transfers from existing or external accounts do not qualify as the required direct deposit transactions.


Determining your bonus: 90 days (or the previous business day), after opening your checking account, we will calculate the sum of the average daily balance for all your open Associated Bank deposit accounts for days 31-90. Total average daily balances up to $999.99 will earn $100, $1,000-$4,999.99 will earn $200, $5,000-$9,999.99 will earn $300 and $10,000 and over will earn $400.


All personal Associated Bank checking, savings, money market, IRA and/or CD account balances are included in the calculation to determine your total average deposit balance. Accounts must be titled with the same primary account holder to qualify for the bonus. Deposit balances from business, HSA, investment, minor or private banking accounts are ineligible. Associated Choice Checking is an interest-earning account and interest is paid on the daily collected balance. Obtain the current annual percentage yield (APY) here.


The bonus will be deposited into the new Associated Bank checking account within 120 days of account opening. Account must be open at the time the bonus is paid and must remain open for a minimum of 12 months. If the account is closed within 12 months, Associated Bank reserves the right to deduct the monetary bonus from the account prior to closing.


Offer limited to one per customer and cannot be combined with other offers. New customers opening online are limited to IA, IL, IN, KS, MI, MN, MO, OH and WI. Offer not available for customers who have received a new personal checking account monetary bonus within the last 24 months and have or have had an Associated Bank checking account within the last 12 months. Primary owner on the account must be 18 years or older to qualify. For tax reporting purposes, the bonus may be reported to the IRS on Form 1099. Associated Bank colleagues are not eligible. The offer and APY are subject to change, at Associated Bank’s discretion, at any time without notice and other exclusions may apply.


Visa and the Visa logo are registered trademarks of Visa International Service Association.


Member FDIC.



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