Refer a Friend

When a friend you refer opens their first NTICB account, you earn $50 and your friend can earn up to $150.

Download Form Full Terms & Conditions

Give your savings a little boost

We value our relationship and hope that we have earned your confidence to refer a friend to NTICB.

You’ll receive $50 after their account has been open and in good standing for 60 days. Save your free cash for a rainy day, or spend it on something fun. The best part is that you can refer as many friends as you like! Complete the online form to submit your information, or download the PDF form and take it to your local branch office.

Your information

  • Your Name is a required field
  • Your Address is a required field
  • Your City is a required field
  • Your ZIP Code is a required field
  • Please enter a valid ZIP code
  • Your Phone is a required field
  • Please enter a valid phone number
  • Your Email is a required field
  • Please enter a valid email

New customer information

  • New Customer Name is a required field
  • New Customer Address is a required field
  • New Customer City is a required field
  • New Customer ZIP is a required field
  • Please enter a valid ZIP code
  • New Customer Phone is a required field
  • Please enter a valid phone number
  • New Customer Email is a required field
  • Please enter a valid email address

      TERMS AND CONDITIONS

      DEFINITIONS

      • "REFERRER" refers to an existing NTICB Bank customer referring a new personal banking customer to NTICB Bank.
      • "REFERRED PERSON" refers to a new customer being referred to NTICB Bank by the REFERRER. This person will be considered a "new customer" only if they have not held any open, active account with NTICB Bank within the previous 180 days.
      • "DDA ACCOUNT" refers to a personal Demand Deposit Account. Personal Demand Deposit Accounts include checking, savings, and money market accounts held by an individual person or persons, and not in the name of a Business, Trust, Estate, or other entity.
      • "LOAN" refers to any personal lending product offered by NTICB Bank.

      GENERAL PROGRAM REQUIREMENTS

      The NTICB Refer-A-Friend program is open to customers of NTICB Bank 18 years of age or older. Employees of NTICB Bank or its affiliates and their families are not eligible to participate. A 1099 will be issued to any customer exceeding $600 in referral payments in one calendar year. By presenting the referral form, the REFERRED PERSON grants permission to NTICB to disclose to the REFERRER that the account has been opened, and the referring customer acknowledges that the form contains the information necessary to receive the referral payment. Offer may be discontinued at any time.

      REFERRER REQUIREMENTS

      REFERRER will earn a $50 cash bonus for each person referred to NTICB Bank who does not already have an NTICB Bank DDA ACCOUNT or LOAN, opens a new DDA ACCOUNT or LOAN, and completes all other requirements within the time specified for qualification in the program.

      To make the referral: REFERRER must complete and submit the NTICB Refer-A-Friend form via the electronic form found at NTICB.com/referafriend, or complete and submit a printed form to a branch location. A form may be completed on behalf of a REFERRER by an authorized NTICB employee.

      To be eligible for payment: REFERRER account must remain open and in good standing until the REFERRED PERSON completes all program requirements. Cash bonus will be deposited to the REFERRER’s NTICB DDA ACCOUNT within thirty (30) days after the sixty (60) day requirement has been met. If the REFERRER does not have an NTICB DDA ACCOUNT, a check will be issued to the REFERRER for the cash bonus.

      REFERRED PERSON REQUIREMENTS

      REFERRED PERSON account opening subject to all normal requirements.

      REFERRED PERSON will earn a $50 cash bonus for their first account opened at NTICB Bank. Furthermore, the REFERRED PERSON can earn an additional cash bonus deposit of $25 each for completing any or all of the following within sixty (60) days of first account opening: 1) provide NTICB Bank with a valid email address; 2) enrollment in online banking; 3) receipt of at least one direct deposit to the new account totaling at least $250; and 4) request and activation of a Visa® debit card. The total a REFERRED PERSON can earn is $150 on a new DDA ACCOUNT or $100 on a new LOAN.

      To be eligible for payment: an eligible NTICB Refer-A-Friend form must have been submitted by a REFERRER or competed by an authorized NTICB employee prior to the REFERRED PERSON opening an account. The REFERRED PERSON’s account must remain open and in good standing for a minimum of sixty (60) days. Cash bonus will be deposited to the REFERRED PERSON’s NTICB DDA ACCOUNT within thirty (30) days after the sixty (60) day requirement has been met. If the REFERRED PERSON does not have an NTICB DDA ACCOUNT, a check will be issued to the REFERRED PERSON for the cash bonus.