Terms & Conditions
Refer-A-Friend Checking Account Offer
All account applications subject to Arvest approval. Arvest associates are not eligible to participate. To make a referral, the Referrer (person making the referral) must register for the program and share the offer. The Referrer will earn a $50 Visa® Reward Card for each individual they refer (Referred Person) to Arvest Bank that registers for the offer using the referral link or media shared by the Referrer, opens a new, qualified Arvest Bank checking account within 180 days of completing the referral registration and completes all program qualifications required of the Referred Person. A Referrer may receive up to five (5) Reward Cards ($250 value) within a calendar year for their qualified referrals. Only one Referrer is eligible for a Reward Card for each qualified Referred Person. The Referred Person may only receive one Reward Card for each new account they open after completing the requirements for each account. The Referred Person may refer others. In the event multiple Referrers refer the same Referred Person, only the first referral registration completed by the Referred Person will be used by the Program. The Referred Person acknowledges that a Reward Card will be issued to the Referrer after all Program qualifications have been met.

To earn a $50 Reward Card, the Referred Person must be referred by a Referrer, register for the offer using the referral link or social media shared by the Referrer, open a new Arvest Bank checking account and complete the following requirements within 60 days of account opening:

  • Have a direct deposit OR automatic payment OR recurring debit card transaction on their account, AND
  • Make eight purchases with their Arvest debit card

Pending transactions that have not posted during the 60-­day qualification period will not qualify.

DIRECT DEPOSITS can include payroll, Social Security, or other income electronically deposited to your eligible account. ACH returned items, Arvest to Arvest transfers, and deposits made through an ATM or Mobile Check Deposit do not qualify.

ACH PAYMENTS can be one-­time or recurring payments electronically withdrawn directly from your eligible account that post during the statement cycle. ACH returned items, Arvest to Arvest transfers, and ATM withdrawals from your account do not qualify.

RECURRING DEBIT CARD TRANSACTIONS are payments you set up using your debit card information to pay for items on a monthly basis, such as monthly memberships or subscriptions that post during the statement cycle.

ONE-­TIME DEBIT CARD TRANSACTIONS include PIN and signature purchases, conducted in-­-person or online, that post during the statement cycle. ATM transactions are not included.

The program may be discontinued or changed at any time without notice.

The Referrer authorizes the sending of communications to each Referred Person. The Referred Person may not receive an email if the person has “opted out” of marketing material from Arvest Bank or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email.

Allow 4-­6 weeks for delivery of the Reward Card after completing all offer requirements.

Rewards may be reported as income to the IRS. Consult your tax advisor for more details.

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

Member FDIC.