1Refer-A-Friend cash bonus offer valid for a limited time only. New member must present
completed Referral Form at time of account opening and establish a Membership Savings and Checking
account. New members cannot have any existing accounts (primary or joint owner) within the last 12
months. Member and referee cannot begin credit union membership on the same business day.
Account Opening Criteria: Primary account holder must be 18 years or older and meet
Desert Financial’s membership eligibility and credit qualification requirements, including opening a
Membership Savings account with a minimum balance of $25. Checking account is free; however, fees
incurred — such as a stop payment or NSF fee — will apply. For complete terms and conditions, refer to
the published Statements of Terms, Conditions and Disclosures booklet.
Cash Bonus Criteria: To receive the cash bonus, the new checking account must meet
the following criteria within the first 90 days: 1. Minimum of 30 posted transactions and 2. Establish
direct deposit. 3. Must be open and cannot be delinquent (more than 30 days) at time of bonus payment.
Bonus will be deposited into the qualifying Checking and referring member’s account within 10 business
days in the month following the end of the first 90-day period if qualifications are met. Referring
member must have an open and active share account at time of bonus payment and be at least 18 years of
age. Employees of Desert Financial Federal Credit Union, its subsidiaries, affiliates, or agencies and
their immediate family (including spouse, parents, siblings, children, grandparents or grandchildren)
are not eligible for bonus offer. Bonus amounts are subject to all applicable taxes and the
responsibility of the member. Bonus cannot be combined with any other account opening offer. Referrals
limited to five per member. Terms and conditions subject to change without notice.