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Bring Your Own Bestie Promo Terms and Conditions

Promotional Terms & Disclosures

Membership eligibility required. Federally insured by NCUA.

Limited-time promotional offer available from September 1, 2026 through October 31, 2026. Membership with Forest Area Federal Credit Union (“FAFCU”) is subject to FAFCU membership eligibility and account-opening requirements. All accounts are subject to FAFCU's Membership and Account Agreement, Truth-in-Savings Disclosure, applicable account disclosures, and Fee Schedule.

New Member Eligibility

To qualify as a new member under this promotion, an individual must:

  • Be eligible for membership with Forest Area Federal Credit Union;
  • Not have been a FAFCU member within the previous six (6) months;
  • Be referred by an existing FAFCU member;
  • Identify the referring member at the time the new membership is opened; and
  • Meet all applicable account-opening and promotional requirements.

Referrals must be identified at the time of account opening and cannot be added retroactively.

$50 Regular Share Referral Bonus

When an eligible referred new member opens the required FAFCU Regular Share Account during the promotional period:

  • The new member will receive a $50 bonus

The new member's membership and Regular Share Account must remain open and in good standing through the bonus payment date.

The $50 bonuses will be deposited into the applicable FAFCU accounts during the calendar month following the qualifying new membership opening.

Minimum deposit required to open a Regular Share Account: $10.

There is no stated limit on the number of qualifying $50 referral bonuses an existing member may earn during the promotional period, provided each referral independently satisfies all promotional requirements.

$200 Superior Checking Bonus

An eligible referred new member may earn a $200 cash bonus by:

  1. Opening a Superior Checking account; and
  2. Achieving Qualified Dividend Status during at least one monthly qualification cycle within sixty (60) days of the date their FAFCU membership is opened.

Both requirements must be satisfied to earn the $200 bonus. Opening a Superior Checking account alone does not qualify the member for the $200 bonus.

To achieve Qualified Dividend Status for purposes of this promotion, the new member must complete all of the following activities within 60 days of opening membership:

  • Complete at least 10 debit card transactions using their FAFCU debit card;
  • Sign on to FAFCU Online Banking at least 4 times;
  • Have at least $100 in direct deposit; and
  • Be enrolled in e-statements.

The new member must successfully achieve Qualified Dividend Status during at least one monthly qualification cycle occurring within the first sixty (60) days following the new membership opening date.

If all promotional requirements are satisfied and verified by FAFCU, the $200 bonus will be deposited into the qualifying member's FAFCU account during the calendar month following completion of the applicable 60-day qualification period.

If the member does not achieve Qualified Dividend Status during at least one applicable monthly qualification cycle within sixty (60) days of the membership opening date, the member will not receive the $200 Superior Checking bonus.

*Monthly dividend payout will not occur if qualified dividend status is not met. This is a free checking account with no charges or penalties for not achieving qualified dividend status. No minimum deposit is required upon account opening. APY stands for Annual Percentage Yield. Balances over the maximum of $15,000 will not earn dividends.  Rates may be subject to change without notice (if applicable). Rates are effective as of 1/1/2023. View additional information about Superior Checking and the full disclosure.

Maximum New Member Promotional Bonus

An eligible referred new member may earn up to $300 through this referral promotion:

  • $50 for opening the required Regular Share Account; and
  • $50 for opening a Superior Checking account and
  • $200 for achieving Qualified Dividend Status during at least one applicable monthly qualification cycle within sixty (60) days of the new membership opening.

Each bonus is subject to its respective eligibility and qualification requirements.

General Terms

Accounts must remain open and in good standing through the applicable bonus payment date. The referring member must also remain a FAFCU member in good standing through the applicable payment date.

FAFCU will determine promotional eligibility based on its account and transaction records. Transactions that are reversed, returned, canceled, fraudulent, disputed, or otherwise determined not to be qualifying transactions may not count toward promotional requirements.

Each new membership may identify only one referring member for purposes of this promotion.

FAFCU reserves the right to verify eligibility and disqualify participants for fraud, abuse, manipulation of the promotion, providing false information, duplicate or fictitious memberships, or attempts to circumvent promotional requirements.

Subject to applicable law, FAFCU reserves the right to modify, suspend, extend, or discontinue this promotion. This promotion may not be combined with other FAFCU new-member, checking-account, or referral promotions unless otherwise stated.

Tax Disclosure

Cash bonuses and referral incentives may constitute taxable income and may be reported to the Internal Revenue Service and/or other taxing authorities as required by law. Recipients are responsible for any applicable federal, state, or local taxes.

For complete account terms, including current Annual Percentage Yields, dividend rates, minimum balance requirements, fees, qualification requirements, and other restrictions, refer to FAFCU's Membership and Account Agreement, Truth-in-Savings Disclosure, Superior Checking Disclosure, and Fee Schedule.

Forest Area Federal Credit Union
Federally insured by NCUA.