To make a referral, the person making the referral (Referrer) must register for the program and share the offer. The Referrer will earn a $50 referral reward for each individual they referred (Referred Person) to STCU that registers for the offer using the referral link or media shared by the Referrer, opens a new STCU checking account and completes all program qualifications required of the Referred Person. A Referrer may receive up to ten (10) referral rewards ($500 value) within a calendar year for their qualified referrals. Only one Referrer is eligible for a referral reward for each qualified Referred Person. The Referred Person may only receive one referral reward for opening an account and completing the requirements. 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 referral reward will be issued to the Referrer after all Program qualifications have been met.

To earn a $50 reward, the Referred Person must be referred by a Referrer, register for the offer using the referral link or media shared by the Referrer, open a new STCU checking account and complete the following requirements within 90 days of account opening:

• Complete one (1) direct deposit of at least $250, AND
• Complete five (5) or more debit card transactions (ATM transactions excluded), AND
• Enroll in online statements

The offer is not available if the Referred Person already has a STCU 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 STCU 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 will be issued to the Referrer after all conditions have been met in the time frames provided.

Referral rewards will be deposited by STCU to qualifying participants within 45 days after completing all the offer requirements.

Rewards may be reported as income to the IRS.

To qualify for your $50 bonus from STCU, you must be a primary member in good standing with an active checking or savings account. STCU will deposit $50 into your most active deposit account within 45 days of the referred member meeting the program qualifications.

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