Terms & Conditions

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 Ion Bank that registers for the offer, opens a new checking account and completes the other requirements within the time specified in the offer. To make a referral, the Referrer must register for the program. 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 who fulfills the requirements (the first Referrer that enters information for a Referred Person will be the eligible Referrer). The Referred person may only receive one Reward Card for opening a new personal account and completing the requirements, but may also be eligible as a Referrer.


For checking accounts opened on or after 7/1/2018:
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 personal checking account after receiving the email or social media offer through the official means of the program.

The Referred Person must complete the following requirements within 60 days of account opening:

  • Complete one (1) or more direct deposits totaling at least $250 or more, AND
  • Complete ten (10) debit card transactions (ATM withdrawals excluded), AND
  • Enroll in eStatements




For checking accounts opened before 7/1/2018:
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 personal checking account after receiving the email or social media offer through the official means of the program.

The Referred Person must complete the following requirements within 60 days of account opening:

  • Complete one (1) or more direct deposits totaling at least $500 or more, AND
  • Complete ten (10) debit card transactions (ATM withdrawals excluded), AND
  • Enroll in eStatements

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.


Non-Retail employees will be eligible to refer and receive the incentive. Retail employees are not eligible to receive the incentive. The offer may not be combined with any other offers. 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 Ion 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.


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


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