Terms & Conditions



Banesco USA - Refer-A-Friend Account Offer:

This Refer-A-Friend Account Offer (the “Offer”) is available subject to the following terms and conditions as defined below. The person making the referral (“Referrer”) will earn a Visa® Reward Card for each individual or business referred (“Referred Person”) to Banesco USA who registers for the Offer, opens a new, eligible Banesco USA account, maintains the account open for at least 60 days, and completes all the specified Offer requirements for the account type opened within the timeframe specified.

To make an eligible referral, the Referrer must register for the program and share the Offer with their friends, family, or coworkers. The Referred Person must register for the program by following the link provided in the referral email, text, or on social media.

The Referrer will receive a Referral Reward card valued at $50 or $100 (depending on the specified Offer terms met) per each qualifying referral made (the “Referral Reward”). A Referrer may receive any combination of Referral Rewards, not to exceed $500 within one calendar year for qualified referrals. The Referral Reward will be loaded onto a Visa® Reward Card. Only one Referrer may receive a Visa® Reward Card for each Referred Person who fulfills the requirements.
Personal Checking Offer

To earn a $50 Visa® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Banesco USA personal checking account and meet the following requirements within 60 days of account opening:

  • Fund the new account with $100 or more, AND
  • Complete six (6) debit card transactions (excluding ATM transactions), AND
  • Enroll in Online Banking, AND
  • Keep the account open for at least 60 days
Personal Money Market Offer

To earn a $50 Visa® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Banesco USA personal money market account and meet the following requirements within 60 days of account opening:

  • Fund the new account with $2,500 or more, AND
  • Maintain a minimum daily balance of $25,000 or more for 60 days, AND
  • Enroll in Online Banking
Personal Savings Offer

To earn a $50 Visa® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Banesco USA personal savings account and meet the following requirements within 60 days of account opening:

  • Fund the new account with $100 or more, AND
  • Maintain a minimum daily balance of $25,000 or more for 60 days, AND
  • Enroll in Online Banking
Personal Certificate of Deposit Offer

To earn a $50 Visa® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media and open a new Banesco USA certificate of deposit with a minimum opening balance of $50,000 or more.
Business Checking Offer

To earn a $100 Visa® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Banesco USA business checking account and meet the following requirements within 60 days of account opening:

  • Fund the new account with $250 or more, AND
  • Enroll in Online Banking, AND
  • Keep the account open for at least 60 days
Business Money Market Offer

To earn a $100 Visa® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Banesco USA business money market account and meet the following requirements within 60 days of account opening:

  • Fund the new account with $2,500 or more, AND
  • Maintain a minimum daily balance of $25,000 or more for 60 days, AND
  • Enroll in Online Banking
Business Savings Offer

To earn a $100 Visa® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Banesco USA business savings account and meet the following requirements within 60 days of account opening:

  • Fund the new account with $2,500 or more, AND
  • Maintain a Minimum Daily Balance of $25,000 or more for 60 days, AND
  • Enroll in Online Banking
Business Certificate of Deposit Offer

To earn a $100 Visa® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media and open a new Banesco USA business certificate of deposit with a minimum opening balance of $50,000 or more.

The Referrer authorizes the sending of communications to each Referred Person. The communication may not be received if the Referred Person has “opted out” of receiving marketing material from Banesco USA or ReferLive. Each person who registers at ReferLive authorizes future communications, including emails, regarding the program unless they “opt out” by making an election to “opt out” at ReferLive or by following the “opt-out” instructions within the email. The Referred Person acknowledges that a Visa® Reward Card will be issued to the Referrer after all Offer terms and conditions have been met in the time frames provided.

This Offer can be changed at any time without notice.

Please allow 4-6 weeks after completion of all Offer requirements for delivery of the Visa® Reward Card. Visa® Reward Cards are subject to the Terms and Conditions delivered with the card. Referral Rewards may be reported as miscellaneous income to the IRS. Banesco USA Branch employees and Relationship Managers are not eligible for this program or Offer.

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

Banesco USA Member FDIC.