Earn $50 for a referral to us
Refer a Friend and Earn $50
Refer a friend or family member to Innovation Credit Union, and if they open a No-Fee Bank Accountyou’ll receive $50 and so will they!*

You can:
  1. Tell your friend or family member to apply online and type REFER50 in the Promotion Code box on the No-Fee Bank Account application form. We'll contact them after opening the account to find out your referral details.

  2. Simply print and complete our paper referral form then give it to a friend or family member for them to complete and bring to us, or

  3. Stop by any Innovation location to grab a handful of referral cards to hand out.
Refer as often as you like.

We'll deposit your incentive in your Member Rewards Account 60 days after your friend or family member's account is open, then you can easily transfer the funds to whichever account you like.

Don’t delay! This incentive officially ends December 31, 2019 and could end anytime without notice.



I've Been Referred and Would Like to Earn $50!*

If you were referred by a friend or family member to open a No-Fee Bank Accountyou’ll receive $50 and so will they!*

Simply complete our online No-Fee Bank Account application form. Also remember to enter REFER50 in the promotion code field. We'll contact you after you open your account to ask who referred you.

Let's get started!

We'll deposit your incentive in your Member Rewards Account 60 days after your account is open, then you can easily transfer the funds to whichever account you like.

Don’t delay! This incentive officially ends December 31, 2019 and could end anytime without notice.

Free unlimited e-Transfers, no minimum balance required, no monthly fee, save as much as $300/year
No-Fee Bank Account:
  • No monthly fee
  • FREE and UNLIMITED Interac e-Transfers 
  • FREE and UNLIMITED debit card transactions
  • No minimum balance requirements and MORE!

Learn more about our No-Fee Bank Account...



Referral Terms and Conditions Expand/Collapse

*Promotion duration: July 22, 2019 to December 31, 2019. The referral must result in a new membership and new No-Fee Bank Account opening before incentive payments are made. Membership and No-Fee Bank Account openings will be in accordance with Innovation Credit Union’s (“ICU”) procedures. Membership in ICU requires the member to hold a minimum of one share valued at $5.00. ICU’s No-Fee Bank Account Terms and Conditions will apply after Account opening. Incentive payments will be made within 60 days of the No-Fee Bank Account opening. Incentives will be deposited to the referring and referred members’ ICU Member Rewards Accounts. The referred members must still be ICU members and have an active ICU No-Fee Bank Account, as determined by ICU, 60 days after the No-Fee Bank account is opened to earn the incentives. If the referring member’s account is closed within 60 days after the referred member’s No-Fee Bank Account opening, only the referred member remains eligible to receive the incentive. If the new referred No-Fee Bank Account is a joint account, the $50 incentive will be split equally amongst each account holder. The referring and referred members’ Accounts must be in good standing, as determined by ICU, at time of incentive payout for each to receive the incentive. Investment income earned on the Member Rewards Account balances may be taxable. Offer may end or change at any time without notice. If the offer ends before 60 days of the referred member’s No-Fee Bank Account opening, ICU will still pay the incentive to the referring and referred members, provided the above terms and conditions are met. From time to time, ICU may change, supplement or amend these terms and conditions.

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From the desk of our CEO

Federal Continuance

For information on upcoming changes to DEPOSIT INSURANCE if we become a federal credit union, see our disclosure notice. Creditors who have concerns may contact Innovation Credit Union.

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