Welcome To GSCU's Referral Center

Digital Referral – Terms and Conditions Checking

The person making the referral (Referrer) will earn a $50 cash bonus via direct deposit for each individual referred to GRANITE STATE CREDIT UNION that does not already have a GRANITE STATE CREDIT UNION checking account, registers for the offer, opens a new personal checking account and completes the other requirements within the time specified in the program. To make a referral, the Referrer must register for the program online at http://GSCU.royalreferralcenter.com, agree to the Terms and Conditions, and submit a valid email address for both the Referrer and each Referred Person. A Referrer may receive up to ten (10) direct deposits in increments of $50 ($500 value) within a calendar year, but only one Referrer may receive a cash bonus for each Referred Person that fulfills the requirements (the first Referrer who enters information for a Referred Person will be the eligible Referrer). The Referred Person may only receive one incentive bonus for opening an account and completing the requirements but may also be eligible as a Referrer.

Referred Person 
To earn $50 cash via direct deposit, the Referred Person must register by following the link provided in the referral email, text or social media post, open a new GRANITE STATE CREDIT UNION personal checking account within 60 days after receiving the email, text or social media post offer through the official means of the program, keep the new account open and in good standing for at least 60 days, AND fulfill the following requirements within 60 days after account opening: 

• Make 2 deposits to the checking account AND
• Make at least 20 debit card purchases that post to the new account 

Other Important Information  
Reward: Processing and delivery of the Reward may take an additional 4-6 weeks after all conditions have been met. The Referred Person acknowledges that a Reward will be issued to the Referrer after all conditions have been met in the timeframes provided. The Reward will be direct deposited into the appropriate account.

Email Address: When opening a GRANITE STATE CREDIT UNION personal checking account, the Referred Person must provide the same email address used when registering with Royal.

Other Limitations:  The Reward offer is not available if the Referred Person already has a GRANITE STATE CREDIT UNION checking account, and it may not be combined with other offers. This offer may end or be changed without notice. Granite State Credit Union reserves the right to refuse pay out of rewards for any reason.

Deposit Account Disclosures: Minimum opening deposit or direct deposit is required on all GRANITE STATE CREDIT UNION Personal Checking accounts. If you choose to open an interest-bearing checking account, the Annual Percentage Yield (APY) paid will be based on account balance and date of account opening. GRANITE STATE CREDIT UNION may change the APY at any time. Fees may reduce earnings. A monthly fee may apply depending on account type but may be waived on some accounts if certain conditions are met (visit https://www.gscu.org/account-disclosures.html#truthinsavingsfor conditions). All deposit accounts are subject to the Deposit Agreement.

Opt out:  The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has “opted out” of marketing material from GRANITE STATE CREDIT UNION or Royal. Each person who registers at Royal authorizes future communications, including emails regarding the program unless they “opt out” by making an election at Royal or within such email.

Posting:  Debit card purchases do not always post to your account the same day you use your card or otherwise authorize a purchase. The timing of when a purchase posts depends largely upon the merchant. “Pending” transactions are not counted. You may use Online Banking and/or Mobile Banking to track when purchases post. Purchases also include payments made using your debit card number, but not ATM transactions.

Other Rewards:  The Referrer will earn a $5 (five) dollar gift card to Starbucks® Coffee for every ten (10) referrals made within the Royal Referral Center Site. A single Referral is considered to be a unique non-customer (name and/or email address). For example, a Referral responding directly from an email or text referral communication will count as one (1) Referral.  One Social Media post will count as one (1) Referral regardless of the number of individuals that click on or take action on that individual post. Starbucks® rewards will be delivered as a code into the Referrer’s Royal Referral Center Mailbox. There is a limit of 5 Starbucks® Coffee gift cards a Referrer may earn each calendar year. Promotion is subject to change at any time.

Employees of GRANITE STATE CREDIT UNION or its affiliates are not eligible for this program. Participation is limited to U.S. residents age 18 or older.

Digital Referral – Terms and Conditions Loans

The person making the referral (Referrer) will earn a $50 cash bonus via direct deposit for each individual referred (Referred Person) to GRANITE STATE CREDIT UNION that does not already have a GRANITE STATE CREDIT UNION consumer loan account, registers for the offer, and closes on a new consumer loan within 60 days of referral. To make a referral, the Referrer must register for the program online at http://GSCU.royalreferralcenter.com, agree to the Terms and Conditions, and submit a valid email address for both the Referrer and each Referred Person. A Referrer may receive up to ten (10) direct deposits in increments of $50 ($500 value) within a calendar year, but only one Referrer may receive a cash bonus for each Referred Person that fulfills the requirements (the first Referrer who enters information for a Referred Person will be the eligible Referrer). The Referred Person may only receive one incentive bonus for opening an account and completing the requirements but may also be eligible as a Referrer.

Referred Person 
To earn $50 cash via direct deposit, the Referred Person must register by following the link provided in the referral email, text or social media post, close on a new GRANITE STATE CREDIT UNION consumer loan within 60 days after receiving the email, text or social media post offer through the official means of the program,

Other Important Information  
Reward: Processing and delivery of the Reward may take an additional 4-6 weeks after all conditions have been met. The Referred Person acknowledges that a Reward will be issued to the Referrer after all conditions have been met in the timeframes provided. The Reward will be direct deposited into the appropriate account.

Email Address: When opening a GRANITE STATE CREDIT UNION consumer loan, the Referred Person must provide the same email address used when registering with Royal.

Other Limitations:  Applies to any GSCU consumer-based closed-end loan excluding savings and certificate secured loans. Overdraft Lines of Credit, Home Equity Lines of Credit, Home Equity Loans, and Mortgage Loans are excluded from this offer. May not be combined with other offers. This offer may end or be changed without notice. Granite State Credit Union reserves the right to refuse pay out of rewards for any reason.

Opt out:  The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has “opted out” of marketing material from GRANITE STATE CREDIT UNION or Royal. Each person who registers at Royal authorizes future communications, including emails regarding the program unless they “opt out” by making an election at Royal or within such email.

Other Rewards:  The Referrer will earn a $5 (five) dollar gift card to Starbucks® Coffee for every ten (10) referrals made within the Royal Referral Center Site. A single Referral is considered to be a unique non-customer (name and/or email address). For example, a Referral responding directly from an email or text referral communication will count as one (1) Referral.  One Social Media post will count as one (1) Referral regardless of the number of individuals that click on or take action on that individual post. Starbucks® rewards will be delivered as a code into the Referrer’s Royal Referral Center Mailbox. There is a limit of 5 Starbucks® Coffee gift cards a Referrer may earn each calendar year. Promotion is subject to change at any time.

Employees of GRANITE STATE CREDIT UNION or its affiliates are not eligible for this program. Participation is limited to U.S. residents age 18 or older.