REFERRAL PROGRAM

Friends Help Friends—And Get Rewarded!

Together, we make a great team when it comes to reaching financial goals—so why not share the perks? Invite your friends and family to experience the benefits of being a CommonWealth member! When they join, they’ll gain access to the same exclusive benefits, financial resources, and personalized support that have helped you reach your goals. Plus, when they open a Rewards Checking Account, you BOTH earn $100!* It’s our way of saying thanks for spreading the word and helping us continue our mission of providing compassionate guidance. Start sharing today!

How to Refer & Earn $100* – It’s Easy!

Spread the Word

Tell your family and friends about the benefits of being a member.

They Open an Account

A new membership with a Rewards Checking Account is all it takes.

You BOTH Get $100!*

It’s our way of saying thanks for sharing the love!

They Mention You

When signing up, they simply let us know that YOU referred them.

Joining is Easy!
Here’s How Your Loved Ones Can Get Started

Online: They can open their membership and checking account anytime, anywhere—Promo code: SHARE100!
In-Person: A visit to a local branch is all it takes to get set up with expert guidance.
Video Chat: They can meet with a friendly representative face-to-face, right from the comfort of their home.

No matter how they join, they’ll enjoy all the great benefits. Just remind them to mention you as their referral when they open a membership with a checking account—so you both can get $100!*

Download. Share. Earn!

Referral Card

Why should your friends join us?

ATMs Nationwide

With access to over 30,000 ATMs across the country, withdrawing cash or making deposits couldn’t be easier.

Loan Access

As a CommonWealth member, you have access to many different types of loans we offer—all with low interest rates and flexible terms.

Get Paid up to Two Days Early

Sign up for direct deposit and get your paycheck up to two days earlier¹—straight into your account, with no paper checks or extra steps!

Online & Mobile Banking

Monitor your accounts, transfer funds, or deposit checks from your phone using our convenient online and mobile banking services.

Budget Organization

Use our online budgeting tool to categorize your transactions, monitor your spending, track your budgets, and more!

Certified Money Coach

Gain access to free, one-on-one guidance from certified financial counselors who offer debt counseling, credit reviews, and financial check-ups to help you stay on track with your goals.

What Our Members Saying

I have recommended CommonWealth to both friends and family to help guide them with their financial needs and goals, with the certainty they would experience the same excellent customer service I have.

Theresa M.

Member Since 1996

REFERRAL PROGRAM FAQs

Do I have to be a CommonWealth Central Credit Union member to open a Rewards Checking Account?

Yes, you need to become a member of our credit union before you can open a Rewards Checking Account. Membership eligibility includes the following: if you live or work in Santa Clara County; you reside with a current CommonWealth member; you are a relative of a current CommonWealth member; you are an employee of a participating CommonWealth Member Company; or you reside in one of the following counties: Alameda, Contra Costa, Monterey, San Benito, San Mateo, Santa Cruz, and Merced.
How do I get $100 for referring a friend to CommonWealth?

First, your friend must become a member of our credit union and then must open a Rewards Checking Account in order for you to receive the $100 referral gift.
Does my referral also get $100 for opening a Rewards Checking Account?

Yes, once your referral has successfully opened a Rewards Checking Account, we will deposit $100 into their account.
Is there a minimum balance requirement for a Rewards Checking Account?

No, there is no minimum balance to maintain for a Rewards Checking Account.

Contact Us

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For your security, please avoid including sensitive information (like your member number) in this form. For account-specific questions, log in to Online Banking to send a secure message or call us at (800) 564-1588.

^*Membership in CommonWealth required. Valid for new members and new checking only. Limit one new checking account per new member. A minimum $50 deposit is required in checking account to receive gift. Subject to $100 fee for closing account within 6 months. All new accounts will be verified by Chex Systems. Members with an existing CommonWealth checking account are not eligible. Referred member receiving cash or non-cash gifts in excess of $10 are subject to IRS reporting on form 1099-INT. Referrer receiving cash or no-cash gifts in excess of $2,000 are subject to IRS report on form 1099-MISC. Offer is subject to cancellation without notice and cannot be combined with any other offer. Maximum 5 referrals per household.

¹At our discretion, we may make the funds for certain ACH credit transactions, including most payroll deposits, available to you before the scheduled payment date of the deposit. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

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