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$50
YOU RECEIVE
$50
YOUR FRIEND RECEIVES
DAYS TO QUALIFY
30
1
SUBMIT YOUR REFERRAL
Fill out our quick referral form with your friend's name and contact info, it takes less than two minutes
2
FRIEND OPENS AN ACCOUNT
Your friend opens an Abbey checking account and sets up direct deposit with eStatements
3
DIRECT DEPOSIT ACTIVATES
Once the first direct deposit hits and 30 days have passed, both rewards are confirmed
4
YOU BOTH GET $50
$50 goes straight into your account and $50 into your friend's new account. That's it.
How it works
Requirements
What your friend needs to do
Open a checking account
New members only - must not have had an Abbey account in the past 24 months
Set up direct deposit
Enroll direct deposit to the new checking account within 90 days of opening
Enroll in eStatements
Go paperless at account opening or anytime through online banking
Payout Timeline
When do you get paid?
Day 1
You submit the referral form
We receive your referral and follow up with your friend to get them started.
Within a few days
Friend opens their account
They visit a branch or apply online, set up direct deposit, and enroll in eStatements.
First paycheck
Direct deposit activates
Their first direct deposit hits the new account - the 30 day qualifying window starts here
Day 30+
Both rewards are paid out
$50 is credited to your account and $50 to your friend's - automatically; no follow-up needed
Official Program Terms
Abbey Credit Union - Refer-a-Friend Program Terms and Conditions
Effective Date June 10, 2026 - Subject to change
1. Program overview
Abbey Credit Union Inc. ("Abbey") offers a Refer-a-Friend Program ("Program") that rewards current members for referring eligible individuals who become new members and meet qualifying criteria. Both the referring member and the new member may receive a $50 reward upon successful completion of all requirements.
2. Eligibility — referring member
To participate as a referring member, you must be a current Abbey Credit Union member in good standing at the time of referral and at the time of reward payment, with no outstanding delinquencies, negative balances, or violations of Abbey's membership agreement. Referring members must also be at least 18 years of age.
3. Eligibility — referred (new) member
The person you refer must not currently be, and must not have been, an Abbey Credit Union member within the past 24 months. They must be eligible for membership under Abbey's standard field of membership requirements and be at least 18 years of age.
4. Qualifying actions
To trigger the reward, the referred individual must complete all three of the following within 90 days of account opening: open a new Abbey Credit Union personal checking account; enroll in eStatements for that checking account; and establish and receive at least one direct deposit to the new checking account.
5. Reward amount and payout
The referring member receives $50 credited to their existing Abbey checking or savings account. The new member receives $50 credited to their new Abbey checking account. Rewards are paid within 30 days of the new member's first confirmed direct deposit, provided all qualifying actions have been completed. Rewards are deposited directly into the respective accounts — no check or cash alternative is available.
6. Reward limits
Each referring member may receive a maximum of $500 in referral rewards per calendar year, equivalent to 10 qualifying referrals. Each new member account is eligible for only one $50 referral reward regardless of how many members referred them. A referring member may not refer themselves or create a new account to receive both rewards.
7. How to refer
Referring members must submit a completed referral form through the official Abbey Credit Union referral form prior to or at the time the new member opens their account. Referrals submitted after account opening will not be accepted. Verbal or informal referrals not submitted through the official form are not eligible.
8. Verification
Abbey Credit Union reserves the right to verify all referral submissions and qualifying actions. Abbey may request additional documentation to confirm eligibility. Referrals that cannot be verified will not receive rewards.
9. Fraud and abuse
Abbey Credit Union reserves the right to disqualify any referral determined, in its sole discretion, to be fraudulent, abusive, or in violation of these terms. This includes but is not limited to duplicate submissions, referrals involving fictitious individuals, and self-referrals. Members found to be abusing the Program may have their membership reviewed in accordance with Abbey's membership agreement.
10. Program modifications and termination
Abbey Credit Union reserves the right to modify, suspend, or terminate the Refer-a-Friend Program at any time and without prior notice. Changes will be posted on abbeycu.com. Referrals submitted prior to a program change or termination will be honored if all qualifying actions are completed within the original timeframe.
11. General conditions
This Program is subject to all applicable federal and state laws and regulations. This offer cannot be combined with any other new member bonus or promotional offer unless expressly stated by Abbey Credit Union. Abbey Credit Union's decisions regarding Program eligibility and reward payments are final. Abbey Credit Union is not responsible for referral form submissions that are lost, delayed, or incomplete.
12. Contact
Questions about the Program may be directed to any Abbey Credit Union branch or by calling (937) 898-7800 or emailing abbey@abbeycu.com.