Participants of the program must meet the minimum age requirement of 17. A Referrer must be an existing First West Credit Union member in good standing. A referee must be a non-member of First West Credit Union. See "Referrer Qualifications" and "New Member Qualifications" in the Terms & Conditions for more details.

Yes. Referrals via email and social media are valid for 60 days.

No. However each member will only receive up to $250 in account credits in a calendar year.

All referrals go through an automated matching process with our banking system so we can verify that both members qualify for rewards. In order for the referral to be approved, you must provide your first name, last name and date of birth to Referral Perks and this must match your banking information. You must also provide a valid email address so that we can contact you about your referral status.

Login to the Island Savings Referral Perks website and click Referral History.

You can log in to the Island Savings Referral Perks site and resend the referral. Or your referee can visit the site, click Were you Referred? and enter your email address to register.

If you have questions or are experiencing difficulties on the Referral Perks site, click the Contact Us link in the bottom navigation of the Referral Perks site to submit your inquiry to the Support Team. This will ensure that it reaches the appropriate people and you receive the quickest response.

Click on the link contained in the Referral Perks email/message and follow the instructions to register for the program.

If you were referred verbally, you must register by clicking the Were you Referred? button on the Referral Perks site. Enter the email address of the friend who referred you, and we'll email them to confirm the referral.

Yes. A qualified referee must open their new Island Savings Simply Free Account® and set up and complete a pre-authorized debit or credit transaction within 60 days of unlocking their offer.

The referrer must register on the Island Savings Referral Perks website prior to making verbal referrals. Once registered, the referrer can make referrals:

• Verbally
  Direct your friends to islandsavings.ca/refer to click on the Were you Referred? button. They'll enter your email address and follow the instructions provided by the site, and we'll email you to confirm the referral.
  
• Printable cards
  Print referral cards and give them to family, friends and colleagues. They visit the url displayed on the card, click on the Were you Referred? button, enter your email address, and follow the instructions provided by the site.

When you refer a friend to Island Saivngs, you may each qualify to have the rewarded transferred into your account if:

• They UNLOCK your referral offer.
  
• They meet the minimum age requirement of 17, become a new member of First West Credit Union, open a Simply Free Account® and set up and complete a recurring pre-authorized debit or credit transaction on that account.
  
• You both complete your Referral Perks profile.
  

See the Rules for details.

You can earn up to $250 per calendar year. Referees who receive their first reward for being referred are eligible to earn up to $250 per calendar year in additional rewards for making their own referrals.

Once the referral has been approved and all criteria met, your reward will take 7 business days to be credited to your account.