Refer Friends

Earn up to $500!1

Refer your friends, colleagues and family members to Tower Federal Credit Union and earn rewards when they become Tower members and open a new Tower checking account. You and your friend will each get a $100 Mastercard Reward Card when your friend registers, opens a new Tower checking account with a direct deposit of $1,000 or more within 90 days of account opening.


Start Referring Now

Referrer Offer:
1The person making the referral (Referrer) will earn a $100 Mastercard® Reward Card for each individual new member referred (Referred Person) to Tower Federal Credit Union who registers for the offer using the Referrer’s shared personal referral link, opens a new eligible account and completes all offer requirements. A Referrer may only earn a total of $500 in referral rewards per calendar year; and referral rewards may not be rolled over. Only one Referrer may receive a Reward Card for each Referred Person who fulfills the requirements (first referral link used to complete the referral registration).
Referred Person Checking Account Offer:
The offer is only available to Maryland residents and residents of surrounding states (DC, DE, PA, VA, WV), as well as Department of Defense (DoD) personnel and their family. To earn a $100 Mastercard® Reward Card, the Referred Person must 1) Register for the offer using the referral link shared by the Referrer, 2) Become a Tower member and open a new Tower checking account, and 3) Receive a recurring direct deposit of $1,000 or more into the new checking account within 90 days of account opening. Qualifying direct deposits must be an electronic deposit of your net paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) and Online and Mobile App transfers or deposits from a bank or brokerage account are not considered a direct deposit. Tower’s determination of offer eligibility is final. If the checking account is closed or recurring direct deposit is discontinued within six months of account opening, Tower reserves the right to deduct the Rewards Card cash equivalent from the account. The minimum deposit required to open a Prime Share is $5 and $10 to open a Checking Account. For current Annual Percentage Yield (APY) for Prime Share and Checking accounts, visit, which are subject to change. Membership eligibility required.
General Terms:
Mastercard® Reward Cards will be delivered 4-6 weeks after all qualifying criteria have been met. For Referrers, Reward Cards will be mailed to the mailing address provided during the registration process; for the Referred Person, Reward Cards will be mailed to the mailing address provided at account opening. A maximum of one Reward Card will be awarded to the Referred Person regardless of the number of accounts opened, and a maximum of one Reward Card will be awarded to the Referrer in connection with each person they refer. The Referrer must be an active Tower Federal Credit Union member in good standing. The Referred Person must be the primary owner of the new checking account, and may not be or have been a primary or joint owner of any Tower Federal Credit Union checking account. This offer cannot be combined with other checking account promotions and is not transferable.
Individuals not eligible for Refer Friends offer available to Referrer and Referred Person:
  • Anyone under the age of 18
  • Tower Credit Union employees or any of its affiliates
  • A member who refers someone who was previously a member and closed their membership
The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has “opted out” of marketing material from Tower Federal Credit Union or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. The Referred Person acknowledges that a Mastercard Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided.
This offer expires on August 31, 2024 and can be changed at any time without notice.
Please allow 4-6 weeks after completion of all requirements for delivery of the Mastercard Reward Card. The Mastercard Reward Cards are subject to Terms and Conditions delivered with the card. Rewards Cards may be reportable as income for tax purposes; consult a tax advisor to understand your tax obligations.
Mastercard is a registered trademark of Mastercard, Inc. Mastercard is not a participant or sponsor of this promotion.
ReferLive is a trademark of CustomerStream, LLC.
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