Terms & Conditions

First Guaranty Bank - Refer-A-Friend Checking Account Offer:


The person making the referral (Referrer) will earn a $50 Visa®Reward Card for each individual referred (Referred Person) to First Guaranty Bank who registers for the offer, opens a new First Guaranty Bank personal checking account and completes the 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.


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 First Guaranty Bank personal checking account and meet the following requirements within 60 days of account opening:


  • Complete one (1) direct deposit (payroll or government), AND
  • Complete twenty (20) debit card transactions (excluding ATM transactions), that have posted/processed to the account, AND
  • Enroll in Online banking with eStatements


Active Club Checking Access Checking
 
Minimum deposit to open: $25 Minimum deposit to open: $25
 
Affinity Checking Health Savings Account
 
Minimum deposit to open: $25 Minimum deposit to open: $100



Checking Accounts

Health Savings Account1 Interest Rate APY2 Minimum Opening Deposit
$100.00
Balances less than $1,500 0.05% 0.05%
Balances $1,500 – $99,999 0.07% 0.07%
Balances $100,000 – $999,999 0.12% 0.12%
Balances greater than $1,000,000 0.30% 0.30%


Advantage Checking Account1 Interest Rate APY2 Minimum Opening Deposit
$5,000.00
Balances less than $5,000.00 0.00% 0.00%
Balances $5,000.00 or more 0.75% 0.75%



Personal Money Market

Guaranty Money Market1 Interest Rate APY2 Minimum Opening Deposit
$1,500.00
Balances less than $1,500 0.00% 0.00%
Balances $1,500 – $99,999 0.05% 0.05%
Balances $100,000 – $999,999 0.15% 0.15%
Balances greater than $1,000,000 0.35% 0.35%


1The interest rate and APY may change after account opening. Daily Balance is the amount of principal in the account each day. These rates are effective as of 9.10.20.


2 APY stands for Annual Percentage Yield. The APY assumes that principal and interest are compounded for a period of one (1) year. Also, a penalty may be imposed for early withdrawal. Fees may reduce earnings.


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 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 Visa Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided.


Please allow 4-6 weeks after completion of all requirements for delivery of the Visa Reward Card. The Visa Reward Cards are subject to Terms and Conditions delivered with the card. The Visa Reward Cards may be reported as income to the IRS.


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


First Guaranty Bank. Member FDIC.