Ready to be rewarded?

Open a new bank account with BayFirst now to earn up to $150 in Visa® Virtual Rewards for you and the friend who referred you.¹

Join your friends at BayFirst.

Find the right product for you, open, and earn your rewards.

Earn $75 for Personal Accounts

A new personal checking, savings, or money market account will earn you and the friend who referred you $75 each.²

BayFirst Simply Free Checking offers all the basic services you need without the monthly fees.
Grow your savings safely with BayFirst Statement Savings, our high-interest personal savings account.
Enjoy frequent access to your cash and higher returns with a BayFirst Money Market account.

Open Now

Earn $75 for Business Accounts

Open a business checking or business money market account and earn $75 for both you and the friend who referred you.³

BayFirst Free Business Checking provides all the basic services your business needs without fees.
Manage a high volume of transactions and earn interest with a BayFirst Commercial Interest Checking account.
Put your savings to work for you with a BayFirst Business Money Market account.

Business accounts must be opened at a BayFirst banking center.

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Refer a Friend FAQ

Earn $75 when you open a new account with BayFirst.

Any new qualifying personal checking, savings, and money market account earns you and the person who referred you $75 each.²
Any new qualifying business checking or money market account earns you and the person who referred you $75 each.³

New customers who do not hold a loan or have any active bank accounts with BayFirst are eligble. To receive a bonus you must open a new qualifying account and meet all offer requirements. You are not eligible to receive a referral bonus if you refer yourself.

Yes. Once you open your new qualifying account, you can refer as many friends and family as you'd like. You will be eligible to receive up to a total of $600 in Virtual Reward bonuses in a calendar year.¹

Yes, you can earn rewards for all your eligible account openings, up to a maximum $600 per calendar year¹as long as your additional account openings occur within 30 days from the day you establish your 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 you have completed all offer requirements.

The following BayFirst products qualify for a Visa® Virtual reward account 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

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 accouts must be opened at a BayFirst banking center. Referral reward payments earned will be sent 2-3 weeks after all offer requirements are completed.

Ready to be rewarded?

Open a new bank account with BayFirst now to earn up to $150 in Visa® Virtual Rewards for you and the friend who referred you.1

Join your friends at BayFirst.

Find the right product for you, open, and earn your rewards.

Earn $75 for Personal Accounts

Earn $75 for Business Accounts

Refer a Friend FAQ

How do I earn?

Who is eligible to receive a bonus?

Can I also refer friends to open an account with BayFirst?

If I open multiple accounts am I eligible to receive multiple virtual reward referral bonuses??

When will I receive my virtual reward?

Which accounts qualify for a Virtual Reward referral bonus?

Have Questions?

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Open a new bank account with BayFirst now to earn up to $150 in Visa® Virtual Rewards for you and the friend who referred you.¹