Earn $90 each by referring a friend—here’s how it works

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If you love supporting local and getting a little extra cash, this one’s for you. I recently referred my friend Tira to AmFirst. A few months later after Tira met the requirements and our bonuses were deposited, we both received $90!

Instead of letting it disappear into everyday expenses (tempting, but boring), I decided to spend mine around Birmingham starting with a thank-you girls’ day out.

Read on to learn how you and a friend can each earn $90 in just a few easy steps.

1. A “thank you” bowl for lunch

First stop: City Bowls. If you’ve ever needed a guaranteed pick-me-up, you already know the power of an açaí bowl.

It was a small thank-you for trusting my recommendation—and the perfect excuse to catch up over smoothie bowls while planning the rest of our day out.

2. Some local shopping

Next, we did some damage (the good kind) at a few of our favorite local shops. Clothes, accessories, craft supplies, knick-knacks—something always ends up coming home with me.

Here are some local spots we love:

• Forstall Art Center
• Sojourn’s Fair Trade
• Basic.
• Lovelady Thrift Center

Check out more local shopping.

3. An afternoon sweet treat

Because no Birmingham day out is complete without a sweet treat, I grabbed ice cream for an afternoon pick-me-up at Big Spoon in Avondale.

Was it necessary? Absolutely not. Did it make the day better? Of course!

Here’s a few more places to grab a sweet treat in Birmingham.

4. The practical part

After the fun, I used what was left of my $90 to knock a little off my car payment. It wasn’t glamorous, but that’s kind of the beauty of it—the bonus was flexible. Some went toward fun, some toward responsibility and together it made my budget feel just a bit lighter.

There are plenty of other ways that bonus could come in handy:

• A tank (or two) of gas
• Tickets to a local show or sporting event
• A date night downtown
• Groceries for the week

How does the Refer A Friend program work?

If you’re wondering how we made this happen, here’s how:

1. You share your unique AmFirst referral code with a friend. (AmFirst members can find their unique referral code in their email or mail.)
2. Your friend joins AmFirst and opens both a checking and savings account using your code
3. Within their first 90 days, they’ll:
   • Sign up for e-statements
   • Deposit at least $250
   • Use their debit card 5 times in the first 30 days

After completing those steps and keeping the accounts open for at least 90 days, you’ll both get a $90* bonus!

New members and the referring members will receive the $90 bonus deposit to the Regular Share (savings) account within 120 days of opening qualifying accounts*, provided that they meet the transaction requirements within 30 days and keep accounts open and in good standing for at least 90 days.

The current offer runs from January 2 through March 31, 2026.

Celebrating 90 years of AmFirst

The bonus is part of AmFirst’s 90th birthday celebration this year—a small thank-you that can go a long way. If you already love banking local, referring a friend can be a rewarding way to help someone discover local banking while earning $90* each.

Not a member? Click here to get started.

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* Individuals can apply for membership and open a personal (not business) checking account in-person at any America’s First Federal Credit Union (“AmFirst”) location or online at AmFirst’s website. The referred friend must enter the referring member’s unique referral code at the time of application. AmFirst is not required to pay the promotional incentive for accounts opened without the appropriate promo referral code. The referring member must be the primary member on a Regular Share (not a Conservator, Estate, Representative Payee or Trust) account, 18 years of age or older, and in good standing. Referred friends must not have an existing checking account with AmFirst, must be 18 years or older, and must be eligible to open and maintain membership. Not all applicants will qualify. Referred friends who were an AmFirst member during the past six months and are now rejoining AmFirst do not qualify for the Refer-a-Friend promotion. The referring member’s accounts or the referred friend’s accounts must remain open in good standing for at least 90 days. Referring members may receive a maximum of five bonuses throughout the entirety of the Refer-a-Friend promotion. New members and the referring members will receive the $90 bonus deposit to the Regular Share (savings) account within 120 days of opening qualifying accounts, provided that they meet the transaction requirements within 30 days and keep accounts open and in good standing for at least 90 days. AmFirst will not deposit bonus funds to closed accounts or accounts not in good standing. A $90 bonus deposit will be reported at year-end as interest income to the IRS for both the new member and the referring member. AmFirst cannot release information about the status of any account to anyone other than the account’s owner or the owner’s representative. Therefore, we cannot disclose to the referring friend if the referred friend used the referral code or whether the referred friend opened an account. However, please note that crediting the $90 to the referring member’s account will imply that the referred friend opened an account. Other terms, limitations and conditions may apply. The checking account’s Annual Percentage Yield (APY) is 0.00%. As of January 2, 2026, APY for share accounts are 0.25% for account balances between $100-$9,999, 0.30% for account balances between $10,000-$39,999, 0.40% for account balances between $40,000-$74,999, and 0.50% for account balances over $75,000. Fees could reduce earnings on the account. Rates are variable and may change after the account is opened. AmFirst reserves the right to terminate this offer at any time. This promotion cannot be combined with any other promotions.

Story is hypothetical, not based on real experience.