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Earn up to $500*

when you refer friends and family to open and use a new account with Independent Bank!

Earning is easy!

Love Independent Bank? Share us with your friends and family! You can earn up to $500 per year by referring your friends and family to take advantage of these exciting referral offers!

1. REGISTER − Complete the registration form and click REGISTER.

2. INVITE YOUR FRIENDS AND FAMILY −  Provide contact information and a valid email address for the friends and family you would like to refer OR share an offer on social media. Your friends will receive an email notification containing registration instructions and offer requirements.

3. GET REWARDED − Once your friend registers for the referral offer using your personal referral link and completes an offer listed below, you will receive a Mastercard® Reward Card. The more friends you refer, the more you can earn−up to $500 per calendar year!

Current Offers


Retail Referral Offer - $50 For You, $50 for Them*

Get a $50 Mastercard Reward Card when your friend registers, opens a new Independent Bank personal checking account AND completes the following within 60 calendar days of account opening: 

  • Completes ten (10) debit card transactions (ATM transactions excluded), OR
  • Completes at least $100 in direct deposits

Your friend can earn a $50 Mastercard Reward Card.


Business Referral Offer - $50 For You, $150 for Them*

Get a $50 Mastercard Reward Card when your friend registers, opens a new Independent Bank business checking account AND completes the following within 60 calendar days of account opening: 

  • Completes fifteen (15) debit card transactions (ATM transactions excluded), OR
  • Completes at least $1,000 in cumulative deposits

Your friend can earn a $150 Mastercard Reward Card.


$10 minimum deposit is required for all account openings. The new account is subject to standard account opening requirements.
Rewards are subject to 1099-INT for the referred party and 1099-MISC for the referring party for aggregate awards totaling $600 annually.

By participating in the ReferLive program, each party may be aware that the other is, or may become, an Independent Bank customer. 

*Please see Terms and Conditions.