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Referral rewards
frequently asked questions

Do I start over every month with Referral Rewards?

Seems too good to be true. How is this possible?

How do I get started with Referral Rewards?

Do Referral Rewards pay me every month?

Referral Rewards sounds like network marketing. How are you different?

Do I really get paid for referrals?

Learn About Referral Rewards

monthly network referral rewards*

Refer friends and you could earn a dollar for each person, up to six degrees of connections, every month*. It can add up!

Try our calculator and see how much you can make.

Calculate Your Referral Rewards

First Degree Connections Number of people that open accounts using my referral code.

2nd-6th Degree Connections Average number of people who open accounts for each person in my network.

Percentage of People That Qualify Each Month

Rewards Results

$ *

*Requires 15 monthly purchases per month using your mphCard to qualify. $8,500 maximum monthly earnings in Referral Rewards.

Getting Started Is Easy

Create your own unique referral code when you become an account holder.

Send your code to your friends and build your six-degree network.

We provide a handy pre-written text, which you can edit, personalize with your referral code and send to your friends.

Get Started Today

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* You must complete 15 debit card transactions (excluding ATM transactions) each month (between the 1st and last Business day of such month) using the mph.bank debit card linked to your account to unlock these features: .60% APY on your savings account balance up to $5,000, waiver of the monthly $9 membership fee, and the ability to earn Referral Rewards. The default rate is 0.05% APY.

To earn monthly Referral Rewards, you must complete 15 debit card transactions (excluding ATM transactions) each month (between the 1st and last Business day of such month) using the mph.bank debit card linked to your account. After that, you will get paid one dollar ($1.00) each month for each verified referred connection (up to six degrees) that completes 15 debit card transactions (excluding ATM transactions) each month (between the 1st and last Business day of such month) using the mph.bank debit card linked to their account. Each member is limited to earning $8,500 referral rewards per month. See full account agreement information for additional terms and conditions.

The FDIC National Average APY for an interest-bearing checking account is 0.03% APY as of 7/2/2021.

Rates listed are effective 6.15.21 and are subject to change without notice. Some fees may apply, refer to our current Schedule of Fees. All deposit products are provided by, and mph.bank is a brand of, Liberty Savings Bank, F.S.B., Member FDIC.