Terms & Conditions

Refer-A-Friend Checking Account Offer:


The person making the referral (Referrer) will earn a $50 MasterCard® Reward Card for each individual referred (Referred Person) to First Bank, registers for the offer, opens a new eligible personal 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 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 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 an account and completing the requirements, but may also be eligible as a Referrer.


For checking accounts opened on or after 6/1/2018:
To earn a $50 MasterCard® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, agree to these Terms and Conditions, and open a new eligible personal First Bank checking account after receiving the email or social media offer through the official means of the program.


You must complete the following requirements within 60 days of account opening.

  • Make one (1) or more direct deposits, OR
  • Make one (1) or more debit card transactions totaling at least $250 (excludes ATM withdrawals)




For checking accounts opened before 6/1/2018:
To earn a $50 MasterCard® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, agree to these Terms and Conditions, and open a new eligible personal First Bank checking account after receiving the email or social media offer through the official means of the program.


You must complete the following requirements within 60 days of account opening.

  • Make one (1) or more direct deposits totaling at least $250, OR
  • Make one (1) or more debit card transactions totaling at least $250 (excludes ATM withdrawals)


The offer is not available if the Referred Person already has a First Bank personal checking account, and may not be combined with any other offers. The program may be discontinued or changed at any time without notice.


All personal checking accounts require a $50 minimum opening deposit. The variable Annual Percentage Yield (APY) for consumer interest bearing checking accounts is 0.02% for Everywhere Plus and 0.05% for Everywhere Premium. All APYs are accurate as of 7/15/16, and are subject to change. Be sure to ask us about our current rates. Fees may reduce earnings. No interest is paid on other personal checking account options. A monthly fee may apply depending on account type but may be waived on some accounts if certain conditions are met (visit localfirstbank.com/personal for conditions). Account opening subject to normal bank approval and all deposit accounts are subject to the First Bank Deposit Agreement. First Bank @ Work Checking accounts are not eligible for this promotion.


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 First 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 MasterCard® 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.


Debit Card purchases do not always post to your account the same day you use your card or otherwise authorize a purchase. The timing of when a purchase posts depends largely upon the merchant. “Pending” transactions are not counted. You may use Online Banking and/or Mobile Banking to track when purchases post. Purchases also include payments made using your Debit Card number, but not ATM transactions.


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


Employees of First Bank, First Bancorp Corporation or affiliates are not eligible for this program.


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