*Referral program offer is non-transferable. Current clients only. To receive the referral bonus: 1) you must share the unique application link; 2) a recipient must use the unique application link to open a new account; and 3) the new account must be funded with contributed or deposited money. Referred account(s) must be opened using the referral application link to qualify. Prior referrals or accounts that are opened without the use of the unique referral application link do not qualify for the referral bonus. Additional accounts opened by you do not qualify for the referral bonus. For each qualifying referral that opens and funds an account according to the referral program requirements, a VISA virtual gift card will be issued to your email address on record within 12 weeks of the requirement being met. The VISA gift card value will be $100 for each qualifying referral, up to $500 per calendar year. The referral program may be changed or discontinued at any time.