Refer Now

If You'd Like to Refer a Friend

It’s Good For You1
Refer a friend who opens a new Union Bank & Trust checking account, and you’ll receive $50 cash; plus a free upgrade to a designer debit card of your choice (view gallery).

It's Good for Your Friend2
Your friend can get $50! Once they open a checking account and have 10 debit card purchases posted to their account within 60 days from account opening, the $50 will be automatically deposited into their account. PLUS, they’ll get to upgrade to a designer debit card, too!

Make Your Referrals Online1
Use the Refer-A-Friend site to refer as many friends as you’d like. You can return to the site and login to check on the status of your referrals, and continue making more referrals. We’ll even e-mail you to let you know when one of them opens a checking account! Remember, for each additional friend who opens a checking account, you’ll receive $50 cash, and they can receive $50.


If You've Been Referred

Open Your Account
Be sure to have your RAF code handy. This code is in the email you received when your friend referred you (for example: RAF99).

  • Apply Online – enter your RAF Code on the Applicant Info page
  • Stop by any Union Bank & Trust location
  • Contact our Call Center:
    Lincoln — 402.323.1777
    Toll-free — 800.297.2837

Start Your Own Referrals1,2,3
As soon as you open your account and receive your debit card in the mail, you can reap the rewards of referrals, too! Simply come back to and refer as many friends as you’d like. They’ll each get $50 and you’ll receive $50 cash!

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1 To receive the $50 cash, an existing Union Bank checking account is required. The $50 will be deposited to your account within 60 days after your friend opens their checking account.

2 New banking relationships, personal checking accounts only. Limit one per household and cannot be combined with any other offer. $50 credited within 30 days of month-end after 10 debit card purchases are posted within 60 days of account opening. No minimum balance requirement to receive bonus. $50 deposit required to open account. For interest-earning accounts, various Annual Percentage Yields (APYs) available based on account and balance maintained. For example, our Interest Advantage account requires $500 minimum balance to earn .05% APY as of 05/13/2015. Fees may reduce earnings. Rates subject to change. For MyStyle Checking products, $50 bonus is one of three account designer features. Bonus is considered interest and is reportable on IRS Form 1099-INT.

3 For the referrer and friend, $5 designer debit card fee waived on initial card. The free designer debit card does not apply to Limited Edition, Mascot or Signature debit cards. For MyStyle Checking products the designer debit card is one of three account designer features.

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.