Terms & Conditions

Security Bank of Kansas City - 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 Security Bank of Kansas City who registers for the offer, opens a new eligible personal checking account with Security Bank of Kansas City within 180 days after completing their registration 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 or family. 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. 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 is also eligible for a reward. 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 an eligible Security Bank of Kansas City personal checking account within 180 days after completing their referral registration and meet the following requirements within 60 days of account opening:

  • Receive one (1) or more ACH direct deposit(s), such as payroll, pension, or Social Security benefits totaling at least $300; AND
  • Make at least fifteen (15) Debit Mastercard® purchases (posted and settled to the account), excludes ATM transactions; AND
  • Enroll in Online Banking and electronic statements (“eStatements”).


The Referrer must be a current customer of Security Bank of Kansas City when making the referral.

The Referred Person must open a new Security Bank of Kansas City personal checking account and be listed as the primary owner. All new accounts are subject to the Bank’s normal approval process and account opening requirements. Any party subject to back-up withholding is not eligible for a Reward.

Eligible personal checking account types are limited to: Green Leaf Account, Gold Leaf Account, Platinum Leaf Account, and New Leaf Account.

The Referred person must be at least 18 years of age to participate in the program.

Security Bank of Kansas City employees are not eligible to participate as either a Referrer or Referred Person.


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 Security Bank of Kansas City 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.


Please allow 4-6 weeks after completion of all requirements of this offer for delivery of the Mastercard® Reward Card. The Mastercard® Reward Cards are subject to Terms and Conditions delivered with the card, including limitations on types of transactions for which they may be used. Rewards Cards may be reported as income to the IRS.

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.

Other Limitations:

The Referred Person may only receive one Mastercard® Reward Card for opening an account and completing the offer requirements. This limitation does not prevent the Referred Person from becoming an eligible Referrer.

The Referrer and the Referred Person cannot be the same person.

Due to the confidential nature, information about accounts opened by any Referred Person cannot be disclosed to a Referrer. However, by participating in this offer each party waives all rights of privacy and confidentiality relating to the fact that each party will be aware the other is a Security Bank of Kansas City customer, and releases Security Bank of Kansas City and its employees from all liability in this respect.

This offer may not be combined with any other offer and may be discontinued or changed at any time without notice.

A reward may not be granted if there is a good faith belief that either the Referrer or Referred Person provided false, misleading, or deceptive information while involved in the program.

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

Security Bank of Kansas City. Member FDIC.

Rev. 05/2024