Family First is excited to bring you our NEW Friends and Family referral program. As a Family First member, you enjoy truly personal service, real convenience and competitive rates and rewards. Now you can share that with family and friends.

Refer up to five people and earn up to $500. For every person you refer who comes in and opens a new account (see all the details below for qualifications) Family First will deposit $100 into your account! That new member (and four other members you refer) will receive a $50 thank you for joining. They too can then refer additional members for the same financial rewards. We're proud of of our products and services, and we think the best people to make up our membership are your friends and family.

Please click here for our referral handout. Print out a copy of it, write your name and phone number in the spaces provided and hand these to the people you want to refer to Family First. When they bring these coupons into Family First and open an account, you will get credit for referring these new members to us. If you have any questions, please don't hesitate to contact us at 585/586-8225 or 1-800-356-1101.

Membership eligibility and $5 minimum account balance required. New members only, memberships opened by existing members and club / association accounts do not qualify. $50 of the $100 bonus will be deposited into the referrers share account at the time the referred account is opened and the second $50 will be deposited upon qualification of the referred account. For new accounts to qualify they must establish: 1) Minor account (under 18 years of age) with a balance of $100 or 2) Auto or Home Equity loan of $5000 or more or 3) Checking and Direct Deposit or 4) Student account (18-23 years of age with student ID) with checking, debit card and $250 minimum balance. New members have 45 days from account opening to become qualified. The $50 new member bonus will be deposited at time of qualification. Existing members can receive payment for up to 5 new members. Bonus is reportable on your 2008 1099-INT. Family First Employees are not eligible. Promotion dates are March 1-May 31, 2008, however, Family First reserves the right to cancel or amend this promotion at anytime.