The Refer and Rewards program was discontinued on December 12, 2018. Points will be awarded on referrals for accounts that are funded, and opened by December 31, 2018. Accounts are not opened until funding and account agreements have been received. Qualified referrals must be active on the day the Monthly Cycle is processed for the Program Period in order to be eligible to earn Points. The final Monthly Cycle will occur on or about January 15, 2019. Please review the rules below for additional information.