The person making the referral (Referrer) will earn a $50 cash bonus via direct deposit for each individual or business referred (Referred Person or Business) to Gulf Coast Bank & Trust Company that does not already have a Gulf Coast Bank & Trust Company checking account, registers for the offer, opens a new personal checking or business 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 https://gulfbank.royalreferralcenter.com, agree to the Terms and Conditions, and submit a valid email address for both the Referrer and each Referred Person or Business. 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 or Business that fulfills the requirements (the first Referrer who enters information for a Referred Person or Business will be the eligible Referrer). The Referred Person or Business may only receive one incentive bonus for opening an account and completing the requirements but may also be eligible as a Referrer.

Referred Person – Personal

To earn $50 cash via direct deposit, the Referred Person must register by following the link provided in the referral email or text, open a new Gulf Coast Bank & Trust Company personal checking account (Free Checking, Interest Checking, Interest Checking Combo, Rewards Checking, Easy Checking, Educators Plus Checking and Select Checking) within 90 days after receiving the email or text 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:

• Have at least one ACH debit post to your account within 60 days of account opening, OR;
• Have at least one direct deposit (such as recurring payroll or government benefit deposit) post to this account within 60 days of account opening.

Referred Person – Business

To earn $50 cash via direct deposit, the Referred Person must register by following the link provided in the referral email or text, open a new Gulf Coast Bank & Trust Company business checking account (Business Checking, Business Reward Checking, Commercial Checking or Commercial Checking with Interest) within 90 days after receiving the email or text 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: 

• Have at least $5,000 in deposits within the 60 day period from the date the account is opened, AND;
• The account must not have any overdrafts within the 60 day period.

Other Important Information

Reward: The Referred Person or Business 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 within 30 days following the month end in which the 60 days qualification period ends into the appropriate account for Referrers that have a deposit account. For non-deposit account Referrers, a gift card will be issued.

Privacy: REFERRED PERSON OR BUSINESS: As a participant in the Gulf Coast Bank Refer A Friend promotion, you understand that the GCB person making the referral may know that you opened an account and met the qualifying criteria needed for each participant to receive the $50 cash referral bonus or Gulf Coast Bank MasterCard® gift card. Gulf Coast Bank will not disclose the identity of the customers who have opened an account to the referring customer. You will need to notify your friend if you wish to make them aware that you have opened an account through the Refer A Friend promotion.

IMPORTANT PRIVACY NOTICE FOR CURRENT GCB REFERRING CUSTOMER As a participant in the Gulf Coast Bank Refer A Friend promotion, you understand that by: Registering at the GCB Refer A Friend site you will be disclosing that you are a customer of Gulf Coast Bank and Trust to the Referred Person or Business.

Email Address: When opening a Gulf Coast Bank & Trust Company personal checking or business checking account, the Referred Person or Business must provide the same email address used when registering with Royal.

Other Limitations: The Reward offer is not available if the Referred Person or Business already has a Gulf Coast Bank & Trust Company checking account, and it may not be combined with other offers. This offer may end or be changed without notice. The account does not qualify for the cash incentive until you provide all of the information we require in connection with opening the account. This includes information we require to identify each account owner, as well as all requirements for the checking account product selected including the eStatement requirement. All accounts are subject to our normal account approval process. Louisiana residents may open a personal checking account online at https://www.gulfbank.com/ or at a Gulf Coast Bank Branch. Mississippi residents must open their account at a Gulf Coast Bank Branch. Online account opening is not available for business accounts. Only valid for Louisiana or Mississippi persons or businesses.

Deposit Account Disclosures: Minimum opening deposit for personal accounts is $20 except for Educators Plus which is $100. Minimum opening deposit is $20 for Business Checking accounts. If you choose to open an interest-bearing checking account, either personal or business, the Annual Percentage Yield (APY) paid will be based on account balance and date of account opening. Gulf Coast Bank & Trust Company 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 gulfbank.com for conditions). All deposit accounts are subject to the Gulf Coast Bank & Trust Company Terms and Conditions. 

Opt out: The Referrer authorizes the sending of communications to each Referred Person or Business. The email may not be recovered if the person has "opted out" of marketing material from Gulf Coast Bank & Trust Company 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. Gulf Coast Bank is not responsible for returned invalid email addresses and non-deliverable addresses.

Employees of Gulf Coast Bank and Trust Company or affiliates are not eligible for this program.

Customer will earn a $5 (FIVE) dollar gift card to Starbucks Coffee for every TEN (10) referrals made within the Royal Referral Center Site. Each referral must be to a unique non-customer (Name and/or email address). Social Media posts will count as 1 referral. Starbucks rewards will be delivered as a code to the Referrer's email provided within the Referral Center. There is a limit of 5 Starbucks® Coffee gift cards a Referrer may earn each calendar year. Starbucks^® Coffee gift cards will be delivered as a code to the email address you provided at time of registration. Promotion is subject to change at any time.