Refer a Friend Program Master Terms & Conditions
To be eligible to take part in the Axos Bank (“Bank”) Refer a Friend Program, the “Friend” (the person being referred) must first provide their email address using the unique link provided by the “Advocate” (the person referring). Once that step is completed, the Friend must select an active product or service promotion that is included in the Refer a Friend Program and complete the required steps to receive the reward/bonus. Additionally, upon submitting their email address, the Friend will be presented with Axos Bank’s Privacy Notice prior to any collection or use of the Friend’s personal information.
When the Advocate shares their unique link with a "Friend", the Friend will be directed to an Axos landing page where the Friend may separately and affirmatively consent to receive promotional messages about Axos’ products and services. Axos will not send marketing communications to a Friend absent the Friend’s own express consent. Friends and Advocates can opt out of Axos communications or change their communication preferences at any time. To protect the privacy of the Friend, information related to the steps required to prospect account information or eligibility is not, under any circumstances, permitted to be shared with the Advocate.
Minors and trusts cannot earn Refer a Friend promotional payouts as either the Advocate or Friend. Axos will verify the age of all program participants at enrollment and reserves the right to disqualify any participant who does not meet the eligibility requirements set forth herein.
Unless expressly stated otherwise under the rules of a special promotion, the Friend:
Is only eligible to take part in the Refer a Friend program if the Friend is new to Axos Bank and has never been the primary or joint owner or borrower on any Axos deposit account, loan, or invest account.
May only earn one Refer a Friend reward. If the Friend takes part in multiple Refer a Friend promotions, the first promotion under which the Friend qualifies for the reward will be counted as the promotion that is eligible to be fulfilled/paid.
May only be eligible for one promotional reward per financial product/service category. If the Friend uses an active promotional code when opening a new product or service and is also eligible for a Refer a Friend promotion on the same product or service, the Bank reserves the right to reward the customer the promotion that pays the greater of the two rewards. Regardless of which promotion the Friend is eligible to receive, the Advocate will be awarded solely based on whether the Friend meets the Refer a Friend promotional conditions and requirements and not based on the conditions and requirements associated with the promotional code.
Will receive cash-based bonuses into an open Axos liquid deposit account. If the account was opened as part of the Refer a Friend promotion is an eligible liquid deposit account, that will be the account selected for payout. For promotions where the associated account is not an eligible liquid deposit account, the Friend must have a separate open Axos liquid deposit account in good standing to receive the bonus. Receipt of a bonus is conditioned upon the Friend maintaining an open, eligible liquid deposit account in good standing at the time of payout. If no such account is open and in good standing at the time of payout, the bonus will not be paid. This forfeiture condition does not apply where the account was closed by Axos through no fault of the Friend. Unless expressly stated otherwise under the rules of a special promotion, the Advocate:
Cannot refer themself.
Cannot be an employee of Axos Financial or its affiliates.
Will receive cash-based bonuses into an open Axos liquid deposit account. Receipt of a bonus is conditioned upon the Advocate maintaining an open liquid deposit account in good standing at the time of payout. If no such account is open and in good standing at the time of payout, the bonus will not be paid. This forfeiture condition does not apply where the account was closed by Axos through no fault of the Advocate.
Any monetary referral bonus may be taxable and reported on IRS Form 1099- MISC or 1099-INT. Consult your tax advisor. Any interest-based reward may be taxable and reported on IRS Form 1099-INT. Consult your tax advisor for guidance on your specific tax situation.
Axos reserves the right to review, investigate, and disqualify any Advocate or Friend from participation in the Axos Refer a Friend Program at any time, and reserves the right not to honor any referral or reward/bonus that in our sole discretion was solicited or earned in a manner inconsistent with the spirit, terms, or conditions of the Refer a Friend Program. This includes but is not limited to any attempt to defraud, deceive, or in any way abuse the program.
Refer a Friend promotions that are part of the Refer a Friend Program may include multiple products and services with different bonus amounts and requirements for each, and these promotions, bonus amounts, and requirements may be changed or discontinued at any time without notice; provided, however, that any such changes will apply only on a prospective basis and will not affect participants who have already completed all qualifying steps required to earn a reward prior to the effective date of any such change. To see the full list of currently available Refer a Friend promotions, and their associated requirements, please visit https://www.axosbank.com/personal/bank/refer-a-friend.
