*For both parties to qualify for and receive the $25 incentive, the new member needs to open a checking account with a Visa debit card and complete at least one point-of-sale transaction (excludes ATM transactions) within 30 days of opening the account. To establish membership, you must maintain a minimum of $5.00 in your share account. Upon verification, the bonus will then be paid to both members within 30 days and reported as dividend income; any federal, state and local taxes are the sole responsibility of the members. Referring members may receive up to $250 annually for referrals. This program may be discontinued without prior notice.