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Terms and Conditions

ReferLive Terms and Conditions

Refer-A-Friend Checking Account Offer:

 

The person making the referral (Referrer) may earn a $100 Visa® Virtual Reward for each Referred Person referred to Wings Credit Union who registers, becomes a member, opens a new Wings Financial Checking Account, and completes the following requirements within 60 days of account opening. The Referred Person may earn a $100 Visa Virtual Reward.

  • Sets up eDocuments, AND
  • Completes one (1) direct deposit of $300 or more,* OR
  • Completes five (5) debit card transactions of $5 or more each (ATM transactions excluded)

For the Current Annual Percentage Yield (APY) and Checking Account rates and requirements, please visit: https://www.wingsfinancial.com/checking.

*Income earned through self-employment or working an IRS-classified “Gig Economy” job does not qualify as direct deposit.

 

Wings Credit Referral Offer Terms & Conditions

To make a referral, the Referrer (person making the referral) must register for the program and share the offer. The Referrer will earn a Visa Virtual Reward for each qualifying offer completed by an individual they referred (Referred Person) to Wings Credit Union that registers for the offer using the referral link or media shared by the Referrer. A Referrer may receive up to $550 per calendar year for qualified referrals. Only one Referrer is eligible for a reward for each qualified Referred Person.

The Referred Person will earn a Visa Virtual Reward for each qualifying offer completed. The Referred Person may only receive one reward for completing an offer but may be eligible for additional offers. In the event multiple Referrers refer the same Referred Person, only the first referral registration completed by the Referred Person will be used by the Program. All offer qualifications must be met by the Referred Person in order for either party to receive a reward.

A Share Savings Account is required for membership. The minimum balance to open a Share Savings Account is $5.00. The Account must be active and in good standing in order to receive the reward. The Referrer and Referred Persons must be 18 years or older to have an individual checking account. Referrer cannot be joint or a cosigner on referred member’s account. Employees are ineligible for this offer.

Referrals are only good for 180 days from the time the referral is made. Referred member must qualify for membership and must open a $5 Share Savings account. Membership is subject to credit approval. Incentive is only offered to those who have never had a membership at Wings Credit Union. Referrer must be a current Wings Credit Union member, and the referrer and the Referred Person must both be in good standing at the time the reward is to be paid, in order to receive the reward. If the Referrer is not a member, no rewards will be sent to either party.

Wings, in their sole discretion, reserves the right to refuse payment of the reward. Please allow up to 2-3 weeks, after completing all requirements of this offer, for delivery of your Visa Virtual Reward. Each reward amount may be reported to the IRS, state, and local tax authorities if required by applicable law. Recipient is responsible for any federal, state, and/or local taxes on reward items.

Visa is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion.

Virtual Rewards will be delivered via email to the email address provided during offer registration and are valid for 6 months from the date of issuance. Neither Wings nor its providers are responsible for delivery issues caused by the provided email address being opted out of email communications, by errors in the email address provided, or by inbox delivery issues caused by the recipient’s Email Service Provider or SPAM/Junk filters.

Visa Virtual Rewards may be used at Online, Mail Order, and Telephone Merchants anywhere Visa Debit is accepted.

In addition to the individual offer requirements, the following requirements must be met:

  • The referred member cannot have previously had a membership with Wings Credit Union.
  • The existing member and referred member must be 18 years or older to have an individual checking account.
  • The existing member must be a current member and both members must have an open account in good standing at the time the reward is to be paid.
  • Referrals are only good for 180 days from the time the referral is made.
  • Please allow 2-3 weeks, after completing all requirements of this offer, for delivery of your Visa® Virtual Reward.
  • Each Visa Reward amount may be reported to the IRS, state, and local tax authorities if required by applicable law. Recipient is responsible for any federal, state, and/or local taxes on reward items.
  • A Referrer may receive up to $550 per calendar year for qualified referrals.
  • The referred member may only receive one Visa Reward for completing each offer.
  • In the event that multiple existing members refer the same person, only the first referral registration completed by the referred member will be used by the program.

Share Savings Account Rates

Savings Accounts Dividend Rate Annual Percentage Yield
Share Savings1 0.15% 0.15%

Rates effective as of May 22, 2024. Above are prospective dividend rates for the current period.
1Minimum balance to open Share Account—$5

First Class Checking Account Rates

First Class Checking Account Dividend Rate Annual Percentage Yield
First Class Checking Account 0.01% 0.01%

Rates effective as of May 22, 2024 and subject to change.
Above are prospective dividend rates for the current period.
Membership with a $5 Share Account required.

High-Yield Checking Account Rates

If Requirements are Met Dividend Rate1 Annual Percentage Yield
On the first $25,000 3.00% 3.04%
Amounts over $25,000 0.01% 0.01% - 3.04%
If Requirements are Not Met Dividend Rate1 Annual Percentage Yield
All Balances 0.01% 0.01%

Rates effective as of May 22, 2024 and subject to change.
Above are prospective dividend rates for the current period.
Membership with a $5 Share Account required.
Savings & Checking Disclosure & Fee Schedule
1Dividends are calculated based on the average daily balance in the account. If requirements are met, a higher rate will be paid for the first $25,000 and a lower rate will be paid for any amounts over $25,000. If requirements are not met, your dividend rate on your entire balance will be the lower rate.
To earn the higher dividend rate, members must meet the following requirements:
- Must be enrolled in eDocuments
- Must have ACH direct deposit(s) totaling over $300 in the 34 calendar days preceding the last day of the month. Income earned through self-employment or working an IRS classified “Gig Economy” job does not qualify as direct deposit.
- Must have 15 net PIN or signature point-of-sale debit card transactions over $5 in the 34 calendar days preceding the last business day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.

Student Spend Account Rates

Student Spend Account Dividend Rate Annual Percentage Yield
Student Spend Account 0.01% 0.01%

Rates effective as of May 22, 2024 and subject to change.
Above are prospective dividend rates for the current period.
Fees may reduce earnings.
Must enroll in eDocuments or will receive a Paper Statement Fee of $3 per month.
Account not eligible for Overdraft Protection Plus.
Membership with a $5 Share Account required.