Ready to be rewarded?

Open a new bank account or secure a loan 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 or apply, 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 $100 For Personal Loans

Secure an auto loan, mortgage loan, line of credit, or other personal loan to earn you and the friend who referred you $100 each.3

  • Get behind the wheel of your first car, next car, RV, boat, or watercraft with a vehicle loan.
  • Use a personal loan to pay off high-interest credit card debt or plan for a big expense.
  • Purchase your first home or your next home with a BayFirst home loan.
  • Tap into your home's equity without refinancing using a home equity loan or line of credit.

Apply 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.4 

Business accounts must be opened at a BayFirst banking center.

Find a Banking Center

Earn $150 For Business Loans

Secure a BayFirst business loan to grow your business and earn $1505 for both you and the friend who referred you.

  • Take advantage of low rates and take your small business to the next level with an SBA loan from one of the nation's top lenders.
  • A conventional business loan covers expenses of all kinds for businesses of all sizes.
  • Secure a commercial line of credit to fund day-to-day operations with a revolving line of credit.
 

Refer a Friend FAQ

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 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
  • Any new qualifying personal loan earns you and the person who referred you $100 each.4
  • Any new qualifying business loan earns you and the person who referred you $150 each.5

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 or get approved for a qualifying loan 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 or secure a qualifying loan, 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 and loan approvals, up to a maximum $600 per calendar year1 as long as your additional account openings and loan approvals 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 
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

Have Questions?

If you are unsure which account or loan is right for you, or you require more information, our team is here to help. Get in touch today.

Give Us a Call

Our Convenient Locations

Belleair Bluffs

401 N. Indian Rocks Rd. Belleair Bluffs, FL 33770

813.344.5805

Open today until 5:00PM

Carrollwood

16002 N. Dale Mabry Highway Tampa, FL 33618

833.698.2265

Open today until 5:00PM

Countryside

2520 Countryside Boulevard Clearwater, FL 33763

727.685.2090

Open today until 5:00PM

North Sarasota

1782 Dr. Martin Luther King Jr. Way Sarasota, FL 34234

941.263.1127

Open today until 4:00PM

Pinellas Park

5250 Park Boulevard Pinellas Park, FL 33781

727.399.5617

Open today until 5:00PM

Sarasota Bee Ridge

5600 Bee Ridge Road Sarasota, Fl 34233

941.777.8043

Open today until 5:00PM

Sarasota Downtown

2033 Main Street, Suite 101, Sarasota, FL 34237

941.251.1440

Open today until 5:00PM

Sarasota South Tamiami Trail

2075 S. Tamiami Trail Sarasota, FL 34239

727.231.6732

Open today until 5:00PM

Seminole

9190 Seminole Boulevard Seminole, FL 33772

727.685.2083

Open today until 5:00PM

St. Petersburg

700 Central Avenue St. Petersburg, FL 33701

727.440.6848

Open today until 5:30PM

West Bradenton

2102 59th Street W. Bradenton, FL 34209

833.698.2265

Open today until 5:00PM

West Tampa

3015 W Columbus Drive Tampa, FL 33607

813.400.1561

Open today until 5:00PM

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. 
 
3Personal 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. 

4Business 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. 
 
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.