> ## Documentation Index
> Fetch the complete documentation index at: https://doc.extole.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Refer a Member

> Let your members help you acquire new, high-quality members through trusted online and in-branch referrals.

## Overview

Refer a Member is a pre-configured flow designed specifically for credit unions and banks. It’s built around the credit-union member lifecycle (Account Opened, Direct Deposit, Debit Card Usage, Account Qualified) and comes with intelligent defaults and CU-specific steps right inside Flow Builder. It ships ready to go so you can launch quickly, and you still have the flexibility to customize the flow to your program’s needs.

<img src="https://files.readme.io/7368c4b24ce1e22c3580c202a6bf8296d2bd8b6015a9557ebbbeaa171dd768af-Screenshot_2025-12-12_at_2.34.02_AM.png" alt="" />

## Key features

**CU-specific flow & intelligent defaults**
Pre-configured steps for account open → account qualification, sensible pending/qualification defaults, and built-in logic to handle CU member events so launches are faster and more predictable.

**In-Branch Referral Portal**
A simple portal employees use to record in-person referrals. Branch staff enter existing member (advocate) info, and new member info, which creates the referral relationship and ensures correct attribution and rewarding.

<img src="https://files.readme.io/e864894c3dfa6a8f883257dcf53a9669a8c236f43c5909036b8682d4af1334f8-Screenshot_2025-12-12_at_2.35.41_AM.png" alt="" />

**Printable Form**
A first-class share channel for members who prefer offline sharing: advocates can download a prefilled printable referral form to give to friends and family. Also, a new member who prefers to open an account in-person can bring the printed form to the branch; the form can optionally be pre-populated with the advocate's and friend's information to help with referral tracking.

<img src="https://files.readme.io/d5a86bfc2b00b640834a22a3985c704744e0f740dadb79b0baeb0f66825e3a87-Screenshot_2025-12-12_at_2.30.05_AM.png" alt="" />

**Flexible rewards & fulfillment**
Supports multiple reward issuers and reward types (gift cards, account credit, and more). Account credit workflows are supported via outbound integrations/webhooks so clients can fulfill and confirm rewards reliably.

**Promotions, emails & reminders**
CU-specific program communications are included (advocate/friend invitations, authentication, welcome, and reminder emails). Reminder emails are particularly useful to help new members complete the additional qualification steps after account open.

**Rules, safety, & fraud prevention**
Built-in rules for entry and qualification help prevent fraud while keeping qualification simple.

**Partner Integrations**\
You can use our partner integrations with [Q2](https://partners.extole.com/q2), [Banno](https://partners.extole.com/banno-digital-banking), and [Candescent](https://partners.extole.com/candescent) to easily connect Extole to your existing digital banking systems. Extole also supports a wide range of additional integration methods—including API-based, file-based, and client-side options, so you can launch a referral program using whichever approach best fits your environment.

<img src="https://files.readme.io/7a6fc318f5213c799078451a2108c56706e415b3ab6383091d174d7ae2d53de1-Screenshot_2025-12-11_at_1.29.14_AM.png" alt="" />

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