Each referred member must be age 18 or older to qualify. New member will need to qualify for membership, cannot be an existing member, or have closed account in the last 6 months. New member must open checking account, activate his/her debit card within 30 days of account opening, and make 10 purchase transactions within 30 days of card activation for new and existing members to receive $25. Existing member's account must be in good standing. Up to $500 can be earned in referral rewards per calendar year. Members will each receive $25 into their Spartan Saver accounts within 4 to 6 weeks of meeting qualifications. MSUFCU reserves the right to revoke referral program privileges at any time. Institutional referrals do not qualify. Not valid with any other new account specials. Referred member must present referral information at account opening to qualify. Bonus may be taxable and reported as dividends on an IRS Form. Federally insured by NCUA.