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Refer-A-Friend
Program

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Open your account online in just a few minutes. When you complete the qualifying steps, you and the person who referred you will each receive a $50 incentive.*

Step 1

Get a referral code from a current Grow Financial member
Ask your friend for their unique referral code before you get started, because you’ll need to enter it during the account opening process to qualify.

Step 2

Open a checking account with $100
Open your choice of Grow CashBack Checking or Grow Checkless Checking and fund it with at least $100 — all in just a few minutes using our convenient online application. Remember to enter the referral code.

Step 3

Log in to online banking
Set up your online banking account and log in at least once.

That’s it! Once you’ve met these qualifications, you and the person who referred you will each receive $50.*

Choose Your Checking Account to Get Started

Grow CashBack Checking

This checking account pays you! You’ll earn an extra 5 cents with every qualifying swipe of your Grow Visa® debit card.2

Grow Checkless Checking

With this simple, no-cost checking account, you forgo the paper checks, manage all your money digitally and enjoy a streamlined checking experience.3

Frequently Asked Questions | Refer-A-Friend Program

New members:
You can get a referral code from a current Grow member. Ask your friend for their unique referral code and enter it during the account opening process to qualify for the $50 incentive.

Current Grow members:
All eligible Grow members have received an email with their unique referral code to share with friends and family. Can’t find the email? Check your junk or spam folder. You can also ask a Grow team member for your code in person, by phone or through live chat.

Coming soon: In the coming months, members will be able to find their unique code 24/7 in online and mobile banking. Stay tuned!

Use the “Open My Account” button on this page to start the account opening process. You’ll see a field toward the end of the application labeled “Promotional Code” — enter the referral code there.

If you need assistance finding where to enter the code, please connect with us through live chat or by phone so we can help.

To qualify, the referred person must:

  • Be a first-time Grow member
  • Meet membership eligibility requirements
  • Open a Basic Savings Account with $1 and a Grow Checking Account with at least $100
  • Enroll in online banking and log in

You must be a first-time Grow member to qualify for the Refer-a-Friend Program. Joint owners (on someone else’s account) who have no primary accounts are also eligible.

Yes. Grow members can earn up to 10 referral incentives per calendar year, for a maximum of $500.

Both incentives will be deposited into the applicable Basic Savings Accounts 60 days after all qualifying requirements are completed.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

1Referral Program Details and Eligibility Requirements: Current Grow Financial members can earn $50 (“incentive”) by referring a new member to Grow. The incentive will be deposited into your Basic Savings Account 60 days after the referred person meets the requirements. If you have multiple Basic Savings Accounts, the incentive goes to the oldest account. You may earn up to 10 incentives per calendar year, totaling a maximum of $500. Your Grow accounts must remain in good standing to qualify.

To qualify, the referred person must meet membership eligibility requirements and be a first-time member, open a Basic Savings Account with $1 and a Grow CashBack or Checkless Checking Account with at least $100, enroll in online banking, and log in at least once. The referred person will receive the incentive as a deposit to their Basic Savings Account 60 days after completing the qualifying steps.

Incentives will not be issued if the checking account is closed at the time of distribution. Incentives are considered interest and will be reported on IRS Form 1099-INT. Self-referrals are not allowed. A primary member can refer a joint owner, as long as that person is not already a primary member on a different account. Participants must be 18 years old or above to be eligible for this offer.

Grow reserves the right to end or change the terms of this offer at any time prior to you accepting the offer, without notice.

2Annual Percentage Yield. Grow CashBack Checking is a variable rate account. The APY may change without notice after the account is opened. You will earn a cashback bonus of $0.05 per qualifying Grow Visa debit card transaction. Qualified debit card transactions include signature or PIN-based point-of-sale purchases, bill payments made with your Grow Visa debit card, and online purchases. Excludes ATM withdrawals, deposits and transfers. We will deposit your cashback bonus earnings on the last day of the month. Fees could reduce earnings on the account. The APY is accurate as of 07/05/2026 and may change without notice. Balances $.01 and over receive the dividend and APY stated.

3You cannot use paper checks on this account. Any check written will be returned unpaid, even if you have sufficient money in your account. Our Bill Pay service may issue a paper check for payees who cannot receive electric checks.