Refer A Friend

Refer a friend.

A rewarding win-win.

If you're happy and you know it, tell a friend.

When you refer your friends to Macatawa Bank to open a new checking account package, we will reward both you and your friend! Who couldn’t use a little extra cash? The process is easy and everybody wins!

West Michigan Values

We take pride in our West Michigan values. We recognize the power of volunteerism and contributing financial support to our local businesses and non-profits. In fact, our employees donate thousands of hours each year to nearly 400 local organizations. We don’t think about looking after our customers as our job, but as our privilege. We love to help people along on their financial journey; whether it’s their first home, or that retirement cabin up north. So tell your friends and start cashing in. 

Let the winning begin!

Fill out the form to request your code to share with your friends and start cashing in on the rewards of our referral program.  Here's how the program works . . . 


Fill out the form to request your code


Check your email for your code and share it with your friends


Start earning cash!

Request your Refer a Friend code!

Please make sure your contact information is up-to-date with Macatawa Bank before requesting your code. You can update your info inside of online banking, by stopping by a branch, or by calling us at (877) 820-2265.

You get $50 for referring a friend.*

You simply, fill out the form, check your email for a code, then share your code with your friends and family.  When your friend or family member uses your referral code when opening a personal or business checking account, we will deposit $50 into your checking account.


Your friend gets rewarded too -- up to $100!**

When they open a new personal or business checking account at Macatawa Bank using your referral code, we’ll deposit $25. If they open a Macatawa Bank Debit Card and make at least 10 debit card transactions within 60 days of account opening, they qualify for an additional $75.


Referrals and referral codes will be ineligible if shared to Checking & Bonus online offers and gaming sites or threads. Referee may still open an account using an ineligible code, however, the bonus will NOT be paid to Referrer or Referee if the code is ineligible, or was obtained from said sites. We will attempt to notify user of the ineligible code of the denial within approximately 120 days) of account opening. We reserve the right to disqualify any referrals and/or account openings where we reasonably believe they were not sent to us or opened in good faith of maintaining a banking relationship with us. Offer may discontinue or change at any time and cannot be combined with other offers. Offer is not available for resale. See Bank for complete details. Bonuses subject to IRS tax reporting and will be added as interest on your year-end statement of earnings. By participating in the Refer a friend program you recognize that whomever you refer or whoever referred you will have knowledge that you have an account with Macatawa Bank. Due to the privacy of the account holder, we cannot disclose any information regarding the qualifications of the referees accounts. Bonus payments will only be paid to accounts that are in good standing with the bank at the time of payout. Account cannot have a balance of zero at time of bonus payout or have had a negative balance at any time since account opening. The account must remain open and active for six months or the bonus will be deducted at time of account closing. Must be a resident of Michigan to participate. Program is effective January 1, 2023 through December 31, 2023. Member FDIC.

*Referrer must have a Macatawa Bank checking account to participate. If they do not have one, one must be opened to receive the bonus. Individuals can earn up to $550 per year for referrals. $50 Referrer bonus payment will be deposited in approximately 90 days of your referral opening a qualified account (Rebound Checking is not eligible).

**Referee offer valid on new eligible personal or business checking accounts (Rebound Checking is not eligible for bonus) during current program effective date stated above. To be eligible, $25 (personal) or $50 (business) account minimum opening balance requirement must be met at time of account opening; account must be opened with funds not currently on deposit with Macatawa Bank and account holder must not have been a signer on a checking account with Macatawa Bank during the past 90 days. $25 Referee bonus payment will be deposited in approximately the first 90 days of account opening. $75 Referee Debit card use referee bonus will be credited after the 3rd statement cycle if at least 10 debit card transactions are made, posted and cleared within 60 days of account opening. Account openings are subject to normal approvals. Must present a valid and eligible coupon/code at time of opening in order to receive bonus. Limit one account opening bonus offer per household/business. For interest bearing accounts, the referee’s APY is based on the minimum required balance for a checking account ($25 for personal and $50 for business) and the sample APY below reflects a variable rate of interest account.

Rewards Plus Checking Account: The interest rate on your account is 0.01% with an annual percentage yield of 0.01%.  Your interest rate and annual percentage yield may change.

Business Access Plus Checking Account: The interest rate on your account is 0.20% with an annual percentage yield of 0.20%.  Your interest rate and annual percentage yield may change.