Banking for Stanford Students

¹New student member offers are managed by Cashback+ within Digital Banking. To qualify for an offer’s reward, each offer must be activated and completed within the eligibility period. The eligibility period begins on the date of membership enrollment and continues for 120 days. The expiration of each offer is clearly displayed within CashBack+. Each offer is earned independently. Completion of all offers is not required to receive an individual reward. Any activity after the eligibility period ends will not qualify. All offers, requirements, and rewards are subject to change without notice. Rewards will typically be credited to the member’s Cashback+ wallet on the fifth day after the end of the month in which all offer requirements were fulfilled. For example, if an offer is activated and the requirement is met on March 15 then the reward will be credited no later than April 5. If an offer is activated and the requirement is met on March 31, then the reward will be credited no later than April 5. The new membership account(s) must be open, active, and in good standing at the time rewards are credited in order to receive the reward. Cashback+ balances can be redeemed or transferred to a Stanford FCU account via Digital Banking. New student member offers are not available to existing student members. New student member offers are limited to one per member and are not applicable to additionally opened or joint accounts. No offer may be combined with any other Stanford FCU promotion. Any taxes owed on earned rewards are the sole responsibility of the recipient. Stanford FCU will report rewards to applicable state and federal agencies as required by law. Membership eligibility and a valid U.S. phone number are required. New student member CashBack+ offers available to new student members who open a Student Spending account beginning 2/2/26: 1. $25 when you apply for a Stanford FCU credit card. 2. $25 when your parent signs up for Proud Parent Perks. 3. $10 when you open a Student High Yield Savings account. 4. $10 when purchase a CashBack+ gift card. 5. $10 when you send money through Zelle® for the first time. 6. $10 when you enroll in eStatements to receive electronic statements and notifications. 7. $10 when you set up savings Round Up.

²The Cardinal Cash Bonus is available to Stanford University students with an active Stanford FCU Student Spending account. The bonus is calculated based on select purchases made with your Student Spending account debit card and/or any Stanford FCU credit card, minus any credits and returns, and excluding cash advances and balance transfers. The bonus is paid at the beginning of the month for the prior month's spending activity. Qualifying purchases must be from Amazon/Prime/Audible, Apple.com (not physical Apple retail stores), ChatGPT/OpenAI, Disney+/Hulu/ESPN, DoorDash, Instacart, Netflix, Peacock, Spotify, or Uber. You must have an active Student Spending account at the time the cash bonus is paid at the beginning of each month. Cash bonus is capped at $25 per month and $300 per year, and deposited into your Student Spending account. Any taxes due on the bonus deposit are the sole responsibility of the recipient. The bonus is discretionary and subject to change without notice.

³The Proud Parent Perks are available to eligible Stanford students with an active Student Spending account. The bonus is limited to one parent and one student for the duration of the student’s Student Spending account. The parent must link their Stanford FCU credit card to their student’s Student Spending account through Digital Banking to trigger the automatic deposit of 1% of their credit card purchases into the student's account. The cash bonus is calculated based on purchases made with the parent's Stanford FCU credit card, minus any credits and returns, and excluding cash advances and balance transfers. The student must have an active Student Spending account at the time the cash bonus is paid at the beginning of each month. Cash bonus is capped at $50 per month and $600 per year. All ATM fees for the parent member will be rebated for the duration of the parent’s credit card contributions to the linked Student Spending account. Eligibility for these offers is at the sole discretion of Stanford FCU. Any taxes due on bonus deposits are the sole responsibility of the recipient. Stanford FCU will report the bonus deposits to the appropriate state and federal agencies, as required by applicable law. These offers cannot be combined with any other offers. Stanford FCU may change or discontinue these offers at any time without notice.

⁴Stanford4Life benefits are available to eligible Stanford students who open a Student Spending account and continuously maintain their Stanford FCU membership without interruption. Eligibility is at the sole discretion of Stanford FCU. The auto loan payment benefit is available only once and up to $500 toward the amount of the first loan payment and will be credited to the member's spending or savings account 90 to 120 days after the Stanford FCU auto loan funds. The $500 apartment lease benefit is available only once after receipt of a residential lease agreement signed within the past 90 days for the member's primary residence and will be credited to the member's spending or savings account 90 to 120 days after verification of the lease agreement and three consecutive months of a minimum $2,500/month direct deposit (either right before or right after the lease sign date). The $2,500 mortgage benefit is available only once for first lien Stanford FCU mortgages used as a primary residence and will be credited to the member's spending or savings account at the time the Stanford FCU mortgage loan funds. The child's savings account benefit is available only once for one child and will be deposited into a Stanford FCU Kids' Savers account up to $500 to match the account balance at the time the benefit is automatically applied 90 to 120 days after the Stanford FCU Kids' Savers account is opened. All accounts require the qualified Stanford4Life member to be the primary or joint account owner to receive the benefits and the spending or savings account must remain open and in good standing up to and including the date any earned benefit is paid. Any taxes due on the bonus deposit are the sole responsibility of the recipient. Stanford FCU will report the bonus deposits to the appropriate state and federal agencies, as required by applicable law. These offers cannot be combined with any other offers. Stanford FCU may change or discontinue this offer at any time without notice.