Earning is easy.

Refer a friend and get rewarded up to $600 per year.1

Good friends share good advice.

Enjoy being our customer? Refer a friend and earn big.

 With 55,000 free ATMs, superior services and products, and a personal approach, BayFirst is Here for What’s Next® for you and your family and friends, too.

  • Register

    After you complete our registration form you’ll receive an email with directions to access your referral portal and instructions for sharing our referral offers with your friends and family.

  • Refer

    Complete a referral by providing your contact information and a valid email address for the person you are referring. They will receive an email containing the registration instructions and account opening requirements.

  • Get rewarded

    Once your friend or family member registers for the referral offer, opens an eligible account or loan, and and completes the offer requirements, you will each receive a Visa® Virtual Reward in the amount specified in the offer.

 

The more you refer, the more you earn.

Earn $75 for Personal Accounts

When your friend or family member opens a personal BayFirst checking, savings, or money market account you will both earn $75.2 
Must meet qualifying activities.
 

Earn $75 for Business Accounts

Earn $75 for both you and a business owner in your life when they open a business checking or business money market account.3
​Must meet qualifying activities.

Earn $100 For Personal Loans

Both you and your friend will receive $100 when they secure an auto loan, mortgage, line of credit, or another personal loan.4 ​
Must meet qualifying activities.

Earn $150 For Business Loans

Refer a business owner to BayFirst for their next business loan and you’ll both earn $150 when they are approved.5 ​
Must meet qualifying activities.

Refer a Friend FAQ

You can send as many referrals to friends and family as you'd like, however, you may only receive up to a total of $600 in virtual reward bonuses per calendar year.1

Virtual reward amounts vary from $75-$150 depending on the account or loan type.
  • Any new qualifying personal checking, savings, and money market account earns both the new account holder and the person who referred them $75.
  • Any new qualifying business checking or money market account earns both the referrer and referee $75.
  • Any new qualifying personal loan earns both the referrer and referee $100.
  • Any new qualifying business loan earns both the referrer and referee $150.

You can refer any friend or family member, however, in order to earn your referral reward, your friend or family member must not hold a loan or have any active bank accounts with BayFirst AND must complete all of the offer requirements listed in the referral offer and official program terms and conditions.

Yes, you can earn rewards for all eligible account openings and loan approvals, up to a maximum $600 per calendar year1 as long as the additional account openings and loan approvals occur within 30 days of your referral establishing their relationship with the bank. Rewards will be paid once all requirements for the specific offer are completed. 

Please allow 2-3 weeks for delivery of your Visa® Virtual Reward card after all offer requirements are completed.

The following BayFirst products are eligible for a referral bonus:

BayFirst Checking Accounts: Simply Free, BayLive and Interest Advantage Checking accounts
BayFirst Savings Accounts: Statements Savings accounts
BayFirst Money Markets: BayLive and Personal Money Market accounts
BayFirst Business Checking Accounts: Free, NOW, Commercial and Commercial Interest Checking accounts
BayFirst Business Money Market accounts: All BayFirst Commercial Money Market accounts 
BayFirst Personal Loans: Home equity loans, home equity lines of credit, home improvement loans, auto loans, RV loans and boat loans
BayFirst Business Loans: SBA (7a) loans, 504 loans, commercial loans and commercial lines of credit
1The one-year period begins on January 1 and ends on December 31 in any given year.

2Personal Accounts: Receive a $75 Visa® Virtual Reward when your referral registers, opens a new BayFirst personal checking account or a new BayFirst personal savings account, and has a daily average balance of $500 or more after 60 days of account opening. Offer good on all Simply Free, BayLive, Interest Advantage Checking accounts, and Statement Savings accounts. Receive a $75 Visa® Virtual Reward when your referral registers, opens a new BayFirst personal money market account, and has a daily average balance of $5,000 or more after 60 days of account opening. Offer good on all BayLive and personal Money Market accounts. Annual Percentage Yield (APY) varies by product. The person you refer will also earn a $75 Visa® Virtual Reward. Minimum amount to open account ranges from $50 to $100, based on product.  Please refer product page for a specific product for more details. Referral reward payments earned will be sent 2-3 weeks after all offer requirements are completed. 
 
3Business Accounts: Receive a $75 Visa® Virtual Reward when your referral registers, opens a new BayFirst business checking account, and has a daily average balance of $2,000 after 60 days of account opening. Offer good on all Free, NOW, Commercial and Commercial Interest Checking accounts. Receive a $75 Visa Virtual Reward when your friend registers, opens a new BayFirst business money market account, and has a daily average balance of $15,000 after 60 days of account opening. Offer good on all Commercial Money Market accounts. Annual Percentage Yield (APY) varies by product. The person you refer will also earn a $75 Visa® Virtual Reward. Business accounts must be opened at a BayFirst banking center. Referral reward payments earned will be sent 2-3 weeks after all offer requirements are completed. 

4Personal Loans: Receive a $100 Visa® Virtual Reward when your referral registers and opens a new BayFirst consumer loan with a minimum loan balance of $15,000. Offer good on all home equity loans, home equity lines of credit, home improvement loans, auto loans, RV loans and boat loans. The person you refer will also earn a $100 Visa® Virtual Reward. All loans subject to approval, including credit approval. Income, credit and property restrictions may apply. Other programs available. Programs subject to change or termination without notice. BayFirst National Bank is not affiliated with the Federal Housing Administration, U.S. Department of Veterans Affairs, or any other government agency. Referral reward payments earned will be sent 2-3 weeks after all offer requirements are completed. 
 
5Business Loans: Receive a $150 Visa Virtual Reward when your referral registers and opens a new BayFirst business loan with a minimum loan balance of $25,000. Offer good on all SBA 7(a) loans, 504 loans, conventional commercial loans and commercial lines of credit. The person you refer will also earn a $150 Visa® Virtual Reward. Referral reward payments earned will be sent 2-3 weeks after all offer requirements are completed.