*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 and must not have closed an account within the last 12 months. New members must: establish membership, open a Checking account with Debit Card, and complete at least one point-of-sale transaction with the Debit Card (excludes ATM/PIN-based transactions), within 60 days of account opening. Upon verification, the bonus will 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. Cannot be combined with any other offer. Referring member may receive up to $250 annually for referrals. For full details on the “Friends & Family $20K Giveaway,” see Official Rules at AppleFCU.org/OnlineReferral.
 **Other institutions may impose a foreign ATM fee surcharge.