Smart, affordable banking is worth sharing.
    And now, sharing comes with benefits.

    With our Referral Program, you can get rewarded with cash when you successfully refer someone who joins. As a thank you, we’ll give you $50 $100 for every friend or family member who joins using your personal referral link and meets the referral requirements. We’ll welcome them with $50 $100, too. This October, we’ve doubled the reward: You can each get $100 for successful referrals instead of the usual $50.

    Get Started

    October Special: 
    Share and earn $100.1

    Refer a friend to Ardent during the month of October and you could both get $100 after they meet the program requirements.

    That’s DOUBLE our usual referral reward for a limited time. Not bad for making the introduction.

    Get Referral Link

    $100 for you + $100 for your friendEarn up to $500 per year



    Why refer Ardent?

    • Earn $50 $100 for each successful referral

    • Your friend earns $50 $100 for joining

    • Earn up to $500 per calendar year

    • No limit on how many people you can refer

    • Easy to share

    How it works 

    Complete the following steps for you and your friend to receive $50 $100 deposited into your Ardent accounts within 90 days of account opening.

      • Enter your name, email and account number to register and generate your referral link
      • Share your personalized referral link with friends and family
      • Your friend accepts your referral by clicking on your link and providing their email address
      • Your friend joins Ardent and opens a new checking account in branch or online using the same email address
      • Your friend completes 8 or more debit card purchases totaling at least $200 within the first 60 days of account opening

    Within a few days of registering for the Referral Program, you will receive a welcome email containing your link, so there’s no worry about losing it. 

    Get your Referral Link

    Ready to share Ardently?

    Click below to generate your personal referral link and start earning.

    Get Started

    FAQs

    Any individual age 18 or older who is a primary or joint owner on an Ardent deposit or loan account and has an email address on file can participate as long as the member’s accounts are in good standing.

    Ardent employees and Board members are NOT eligible.
    To be eligible to earn a referral reward, the person you refer must be at least 18 years of age and not already an Ardent member.
    There are multiple ways to qualify for Ardent membership, allowing almost anyone to join. For more information about becoming a member, visit our eligibility page.
    You can refer as many people as you want, but you can earn rewards for up to 10 successful referrals per calendar year.
    You earn $50 for each successful referral, up to $500 per calendar year. This October, earn a boosted $100 reward for successful referrals initiated during the month.
    To get your referral link, visit the registration page and complete the form. Your referral link will be provided instantly and it will be emailed to you. You can also access it online by returning to the registration page. 

    To ensure you get credit for your referrals, please register using the email address associated with your Ardent accounts.
    Your link will remain active as long as you are an Ardent member.
    To be eligible for rewards, your friend must accept your referral by clicking on your personalized link and provide their email address. Then, they just need to provide the same email address when they join Ardent.
    Your friend must accept your referral using your personalized link and provide their email address. They should use this same email address when joining Ardent and opening a new Ardent checking account. They must complete at least 8 debit card purchases totaling $200 or more within the first 60 days of account opening.
    Your friend has 60 days from the qualified checking account opening to make at least 8 debit card purchases totaling at least $200.
    Your friend must open one of the following to qualify: Cashback Checking, High-Yield Checking, Free Basic Checking or a Cash Account. 
    You will receive an email each time a referral is successful and telling you when the reward will be deposited into your account.
    Rewards are deposited within 60-90 days of your friend’s account opening. This range includes the 60-day qualification period and a processing period of up to 30 days. 
    Your reward will be deposited into the Ardent account you chose when you registered. Your friend’s reward will be deposited into their new checking account.
    Registering again enrolls you in our limited-time $100 referral offer. The link you receive may be the same as your current link, but re-registering makes you eligible for the boosted reward. After the October offer ends, you can keep using your link. In November, the reward will return to the standard $50 for you and $50 for your friend after each successful referral.

    1Limited-time offer that may change at any time. Successful referrals must be initiated between October 1, 2026 and October 31, 2026. Additional eligibility and qualification requirements apply. See How It Works section for more details.