Terms & Conditions

Refer-A-Friend Account Offer:


The person making the referral (Referrer) will earn a $50 Mastercard® Reward Card for each individual referred (Referred Person) to Pathways FCU/Incenta who registers for the offer, opens a new Pathways FCU/Incenta Swipe2Save 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 coworkers. A Referrer may receive up to ten (10) Mastercard Reward Cards ($500 value) within a calendar year, but only one Referrer may receive a Mastercard Reward Card for each Referred Person who fulfills the requirements.


Pathways FCU/Incenta Swipe2Save Checking Account Offer Qualifications:


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, open a Pathways FCU/Incenta Swipe2Save checking account and meet the following requirements within 60 days of account opening:


  • Complete one (1) direct deposit of at least $100 or more, OR
  • Complete ten (10) debit card transactions (excluding ATM transactions)


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 Pathways FCU/Incenta 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 Mastercard 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 Mastercard Reward Card. The Mastercard Reward Cards are subject to Terms and Conditions delivered with the card. The Mastercard Reward Cards may be reported as income to the IRS.


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


Pathways FCU/Incenta. Member NCUA.