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Refer Now

If You'd Like to Refer a Friend

It’s Good For You1,3
Refer a friend who opens a new Union Bank & Trust checking account, and you’ll receive $50; plus a free upgrade to a designer debit card of your choice (view gallery).

It's Good for Your Friend2,3
Your friend can get $50! Once they open a checking account and have 10 debit card purchases posted to their account (and sign-up for e-Statements if a MyStyle Checking product) within 60 days from account opening, the $50 will be credited to their account. PLUS, they’ll get to upgrade to a designer debit card, too!

Make Your Referrals Online1, 2
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, and they can receive $50.


If You've Been Referred

Open Your Account
Be sure to have your RAF code handy, as it is required to qualify for the promotion. 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
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 can each get $50 and you’ll receive $50, too!


Home Equity Checking not eligible for promotion.
1 $50 credited to your existing Union Bank & Trust checking account (required) within 60 days after your friend opens their checking account and tells us you referred them. Friend cannot be an owner on an existing Union Bank & Trust account. Limit of 10 paid referrals in one calendar year. Referral offer expires 60 days after entering in website.
2 New banking relationships, personal checking accounts only. Limit one per household and cannot be combined with any other offer. $50 credited to active account within 30 days of month-end after 10 debit card purchases are posted (excludes ATM transactions) within 60 days of account opening. For MyStyle Checking products, $50 must be selected as one of three account features and requires e-Statement sign-up within 60 days of account opening in addition to the 10 debit card purchases described above. Interest-earning account Annual Percentage Yields vary based on account and balance. For example, Journey Checking requires $100 minimum daily balance to earn .05% APY accurate as of the effective date in the deposit account rates. Fees may reduce earnings. Rates subject to change. $50 opening deposit ($1000 for Bonus Checking).
3 $5 designer debit card fee waived on initial card. MyStyle Checking products must select this as one of three account 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.