*Terms and Conditions

*Apple FCU reserves the right to discontinue the program at any time without prior notice. To receive the incentive described, the person being referred must: be referred by an existing Apple FCU member, not be an existing Apple FCU member or had an Apple FCU closed within the last 12 months. The new members must: establish membership, open a Checking account and Visa® Debit Card, and complete at least one point-of-sale transaction with the Debit Card (excludes ATM transactions) within 60 days of account opening. The referring member must have an Apple FCU Checking in good standing (no negative balance) and may not have any past due loan balances. Upon verification, the bonus will then be paid to both members within 60 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 outside of this campaign. Apple FCU employees, board members and their family members are not eligible to participate in the referral program.
 **Other institutions may impose a foreign ATM fee surcharge.