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When you refer your friends and family to open and use a BAC personal checking account, we want to say thank you by giving you a $50 Mastercard® Reward Card.

After registering with ReferLive, you can earn up to $500 per calendar year for referring your friends and family to open and use a new BAC personal checking account by completing a few simple requirements.

Earning is Easy

  1. Register

    Use the registration form on this page to provide your information and complete a referral.

  2. Refer your friends and family

    After you have registered for the offer, provide contact information AND a valid email address for the friends or family members you would like to refer OR share the offer via social media or text. Your friends will receive a notification containing registration instructions and offer requirements.

  3. Get Rewarded

    Once your friend registers for the referral offer using your personal referral link and completes the offer listed below, you will receive a Mastercard® Reward Card. The more friends you refer, the more you can earn - up to $500 per calendar year.

Referral Offer

Referring Customer Offer - Personal Checking

BAC Personal Checking

Get a $50 Mastercard® Reward Card when your friend registers, opens a new BAC Community Bank personal checking account and completes the following within 60 days of account opening:

  • Completes two (2) direct deposits* totaling at least $500, OR
  • Completes twelve (12) or more debit card purchases** (excluding ATM transactions), AND
  • Keeps the account open for at least 60 days

Allow 4-6 weeks for delivery of the Reward Card after completing all offer requirements. Mastercard® Reward Cards are subject to Terms and Conditions delivered with the card.


1Terms and Conditions

When you refer your friends and family to open and use a BAC personal checking account, we want to say thank you by giving you a $50 Mastercard® Reward Card.

After registering for the offer, you can earn up to $500 per calendar year for referring your friends and family to open and use a new BAC personal checking account by completing a few simple requirements.

It’s Easy to Make a Referral 

  • Register Online. Register at bankbac.com/refer. Please make sure the email and mailing address you provide match your existing BAC account information.

  • Invite Your Friends and Family. Choose how you want to share the referral offer with your friends, family or coworkers. They will receive your invitation to register for the referral offer. You can choose how you want to refer friends including email, text, social media or a personal referral link.

  • Get Rewarded. Once your friend or family member registers for the referral offer, opens a new BAC personal checking account, and fulfills the simple program qualifications with their new account, you AND your friend will receive a $50 Mastercard® Reward Card. The more friends you refer, the more you can earn – up to $500 per year!

A Rewarding Offer For Your Friends
After your referred friend, coworker or family member opens a new BAC personal checking account, their reward qualifications are simple:

Complete the following with their new BAC account within 60 days:

  • Complete 2 direct deposits* totaling at least $500, OR
  • Complete 12 debit card purchases** (excluding ATM transactions), AND
  • Keep the account open for at least 60 days

BAC Community Bank Referral Offer Details:
All account applications are subject to BAC Community Bank approval. To make a qualified referral, share the offer with someone who has not had a BAC Community Bank checking account in the past 12 months. This offer is subject to change or termination at any time without notice. Referrals are valid while the program is in effect. Only one Referrer is eligible for a Reward Card for each qualified Referred Person. The Referred Person may refer other potential customers using the BAC Community Bank referral offer.

Each person participating in the referral offer may be aware that the other is or may become a BAC Community Bank customer. The Referrer authorizes the sending of communications to each Referred Person. The Referred Person may not receive an email if the person has "opted out" of marketing material from BAC Community Bank or ReferLive, the designated service provider of the referral offer. Each person who registers for the referral offer authorizes future communications, including emails regarding the program, unless they "opt-out" by making an election at the referral offer website or within such email.

Allow 4-6 weeks for delivery of the Reward Card after completing all offer requirements. Mastercard® Reward Cards are subject to Terms and Conditions delivered with the card. 

* DIRECT DEPOSITS can include payroll, Social Security, or other income electronically deposited to your eligible account. Deposits made through an ATM, Mobile Check Deposit, or from payment systems such as PayPal®, Zelle®, or Venmo® do not qualify.

** DEBIT CARD TRANSACTIONS include PIN and signature purchases, conducted in-person or online, that post during the statement cycle. ATM transactions are not included.

Rewards may be reported as income to the IRS. Consult your tax advisor for more details.

Mastercard is a registered trademark of Mastercard, Inc. Mastercard is not a participant or sponsor of this promotion.