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DCU's Member Referral Program

Tell a friend about DCU and you both can earn cash.


Tell a friend or family member about DCU and you both can earn cash. 

How Does it Work?

It's easy! An existing DCU Member can invite a friend or family member to join by using the Share DCU tool in Online Banking Account Manager.

Once you complete the online referral, we'll send an email with a referral code to your friend or family member inviting them to join DCU. This offer is valid for 90 days and can be input on their new membership application. Once your friend opens their new membership and qualifying product (see below for more info), you'll get $50*, and they'll get $100*! That's it!

About Qualifying Products:

Once their membership is opened, new members will need to open at least one of the following in order for you both to qualify for the referral bonus:

  • Checking Account with recurring Direct Deposit of your payroll, retirement, Social Security, or other monthly recurring income.
  • Checking Account with at least five qualifying transactions; debit/credit card transactions, bill payments, balance transfers, or P2P transfers the same month.
  • A vehicle, RV, boat, or mobility loan (purchase or refinance).

Some Frequently Asked Questions:

When will I get my money?

Once the new membership and qualifying product is opened, the bonuses will be deposited into both members' DCU Primary Savings Accounts. Exactly when bonuses are credited will vary depending on the qualifying product:

  • Checking Account with direct deposit — bonuses will be credited after one month of active Direct Deposit.
  • Checking Account with five qualified transactions — bonuses will be credited once the five qualifying transactions have successfully cleared the account within the same month.
  • Vehicle, RV, boat, or mobility loan — bonuses will be credited within a few days of the qualifying loan being opened.

Why didn't I receive my money?

Possible reasons may include:

  • The referred member has not opened the qualifying product yet.
  • The referral was made after the new membership was already opened.
  • The email address for the referred member must match the email address that the referring member sent it to. (The email address can be changed in Online Banking after the bonus has been paid out).
  • Direct deposit must be net pay, not a portion of the check.
  • Direct deposit status is determined at the beginning of each month. If applicable, bonuses are deposited after that.
  • Referral code was not redeemed when membership was opened. The new member can enter the referral code in Online Banking through the Share DCU tool in Account Manager.
  • The five qualified transactions did not clear within the same month. 

When can I refer someone?

You can refer a friend at any time through Online Banking by selecting Account Manager and Share DCU from the menu on the left. 

How can I check the status of the referrals I made?

Log in to Online Banking and select Account Manager > Home > Share DCU > Referral History.

How can I refer more people?

Log in to Online Banking and select Account Manager > Share DCU > Refer a Friend

Questions? Contact us

Only valid on individual member accounts. Business and other accounts do not qualify.

*Code and offer expire after 90 days, new referred member has 90 days from receipt of invitation to join, redeem the referral code, open a membership and any one of the qualifying products listed above. Referred member must be at least 18 years old. For membership eligibility, please visit: