Eligibility Requirements:

• This offer is for new consumer checking members only. Only the primary owner of the new checking account is eligible for this offer.
• You must use the referral link at account opening when you apply for a new eligible Texas Trust Credit Union checking account.
• The referring member must have an active account with Texas Trust Credit Union.
• All accounts must be in good standing to qualify for and receive rewards.
• If the referring member or the referred friend’s accounts fall out of good standing before rewards are distributed, they will not be eligible to receive rewards.
• You are not eligible for this offer if:
• You are a current primary owner of a Texas Trust Credit Union consumer checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility.
• You have received a bonus for opening a Texas Trust Credit Union consumer checking account during the same calendar year.
• Employees of Texas Trust Credit Union, its affiliates, and their families are not eligible to participate.

Bonus Requirements:

• To receive the $50 bonus, you must:
• Open a new Texas Trust Credit Union consumer checking account. All account applications are subject to approval.
• The referred friend must complete five (5) debit card transactions totaling at least $100 within 30 days of account opening.
• Qualifying posted Texas Trust Credit Union debit card transactions.
• Eligible debit card purchases are limited to:
• Debit card purchases made using PIN, signature, online, or by phone.
• Debit card payments including one-time or recurring.
• Digital wallet purchases with your Texas Trust Credit Union debit card.
• The following do not count as qualifying transactions:
  • Texas Trust Credit Union teller line transactions.
  • ATM transactions (Texas Trust Credit Union or non-Texas Trust Credit Union ATMs).
  • Transactions that require using your account number and routing number.
  • Transactions that do not post within the qualification period.
  • Debit Card Account Funding Transactions (AFT), which is a debit to your card to fund a digital wallet, or other eligible account.
  • Debit Card Original Credit Transactions (OCT), which is a credit to your card when your debit card number is used to receive funds.
  • Zelle® transactions.
  • Other non-purchase transactions.

Debit Card Purchases:

• Debit card purchases must be posted by the end of the qualification period (within 30 days) to be counted toward the required number of qualifying posted transactions that period. Texas Trust Credit Union cannot post your debit card transaction until the merchant submits the transaction to us for payment. Transactions received from a merchant after the applicable cutoff time or on a non-business day (Saturday, Sunday, and federal holidays) are posted on the next business day. See your account agreement for applicable cutoff times. A posted transaction is a completed transaction that has been fully processed on your account and appears on your account statement. Transactions that appear as “pending” have not posted and do not count as qualifying posted transactions for this offer.

Reward Payment:

• Referring Member Reward:The referring member will receive a $50 gift card for each friend who completes the qualifying debit card transactions, up to a maximum of 10 friends per calendar year, totaling $500.
• Referred Friend Reward: The referred friend will also receive a $50 gift card upon completing the qualifying debit card transactions.
• Once the 30-day qualification period has elapsed, we will determine if you have met the offer requirements and will issue a gift card within 30 days.
• You are responsible for any federal, state, or local taxes due on the bonus. We will report the bonus as income to the tax authorities as required by applicable law. If you are subject to backup withholding at the time of payment, we will withhold the required amount and remit to the tax authorities in accordance with applicable law. Consult your tax advisor.

Additional Terms and Conditions:

• Offer may be discontinued or changed at any time without notice.
• Offer cannot be:
  • Paid to non-resident aliens and foreign entities signing any version of IRS Form W-8.
  • Reproduced, purchased, sold, transferred, or traded.
• The actions required to earn this bonus are separate and distinct from the options available to you to avoid any applicable monthly service fee for the checking account you opened.
• Other fees may apply, and it is possible for the account to have a negative balance.
• Please see our Texas Trust Fee Schedule and Truth in Savings Disclosure available at www.texastrustcu.org/Contact/Texas-Trust-Forms for complete checking account details, including the applicable monthly service fee and options to avoid it.
• Terms and conditions apply. Some (but not all) digital wallets require your device to be NFC (Near Field Communication) enabled and to have the separate wallet app available. Your mobile carrier’s message and data rates may apply.
• Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.