Terms & Conditions

Refer A Friend Checking Account Offer:


The person making the referral (Referrer) will earn a $50 Visa® Reward Card for each individual or business referred (Referred Person or Business) to Hawthorn Bank who registers for the offer, opens a new Hawthorn Bank personal checking or business checking account and completes the other requirements listed below 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 co-workers. A Referrer may receive up to ten (10) Reward Cards ($500 value) within a calendar year, but only one Referrer may receive a Reward Card for each Referred Person or Business that fulfills the requirements (the first Referrer who enters information for a Referred Person or Business will be the eligible Referrer). The Referred Person or Business may only receive one Reward Card for opening an account and completing the requirements but may also be eligible as a Referrer.

Referred Person

For personal checking accounts opened on or after 8/1/2018:

To earn a Visa Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Hawthorn Bank personal checking account AND fulfill the following requirement within 90 days of account opening:

For a $50 Visa Reward Card:

  • Receive two (2) or more direct deposits to your new Hawthorn Bank personal checking account totaling at least $500 AND
  • Keep the account open for at least 60 days


For a $75 Visa Reward Card:

  • Receive two (2) or more direct deposits to your new Hawthorn Bank personal checking account totaling at least $500 AND
  • Open an additional Hawthorn Bank deposit product AND
  • Keep the accounts open for at least 60 days


For personal checking accounts opened before 8/1/2018:

To earn a Visa Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Hawthorn Bank personal checking account AND fulfill the following requirement within 60 days of account opening:

For a $50 Visa Reward Card:

  • Receive two (2) or more direct deposits to your new Hawthorn Bank personal checking account totaling at least $500 AND
  • Keep the account open for at least 60 days


For a $75 Visa Reward Card:

  • Receive two (2) or more direct deposits to your new Hawthorn Bank personal checking account totaling at least $500 AND
  • Open an additional Hawthorn Bank deposit product AND
  • Keep the accounts open for at least 60 days

If during the 60-day qualification period the referred new personal account holder also opens an additional deposit product, they would receive a $75.00 incentive. The additional $25 incentive would be contingent on the new account holder meeting the requirements of the personal checking offer. The new referred customer may only receive one additional incentive so that their incentive total cannot exceed $75.00 as a referred customer. Holiday Savings accounts are not eligible to be considered an additional deposit product.


Referred Business

For business checking accounts opened on or after 8/1/2018:

To earn a $150 Visa Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Hawthorn Bank business checking account AND fulfill the following requirement within 90 days of account opening:

  • Complete two (2) or more ACH transactions (Credit and/or Debit) totaling at least $500
  • Keep the account open for at least 60 days


For business checking accounts opened before 8/1/2018:

To earn a $150 Visa Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, open a new Hawthorn Bank business checking account AND fulfill the following requirement within 60 days of account opening:

  • Complete two (2) or more ACH transactions (Credit and/or Debit) totaling at least $500


The offer is not available if the Referred Person or Business already has a Hawthorn Bank checking account. The program may be discontinued or changed at any time without notice.


The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has "opted out" of marketing material from Hawthorn 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. The Referred Person acknowledges that a Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided. The Reward Cards will be mailed to the addresses within the ReferLive registration system.


Please allow 4-6 weeks after completion of all requirements for delivery of your Visa® Reward Card to the physical address provided. Reward Card may be reported as income to the IRS.


The Reward Cards are subject to Terms and Conditions delivered with the card, including limitations on types of transactions for which they may be used.


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