Share the difference
Share the Meridian Difference with your friends and family
You can earn a $100 referral reward when someone you refer opens a Meridian chequing account and meets the offer criteria for a $50 welcome bonus. It’s that simple! Plus, there’s no limit to how many people you can refer.
How to make a referral and get your bonus
1. Sign in to your account
New to online banking? Here’s a step-by-step guide to signing in for the first time. Also, don’t forget to download our app.
2. Find your ‘Refer a Friend’ code
If you're using the Meridian mobile app, select the gear icon in the top left once you’ve signed in. This takes you to the Settings menu. Then, tap “Refer a Friend” from the Settings menu to view your unique referral code. If you’re using online banking, click “Refer a Friend” under Quick Links on the right hand side of our online banking page.
3. Share with family and friends
Send your referral code to others via text, email, or direct message. When someone enters your unique referral code, opens a Meridian chequing account and meets the offer criteria, you’ll both receive a cash bonus as a thank-you. Send them a link to this page too so they can learn more about our offer and the Meridian difference.
Around here, banking is different
Top digital banking
Our top-ranked mobile app and online banking services let you bank how and where you want.
Financial confidence
We offer the same wide range of accounts as the big banks, plus experts who offer one-on-one advice.
No shareholders
Our profits go to improving products, creating services, and investing in communities. As a Member, you’re an owner.
Welcome to Meridian
To get your $50 welcome bonus and start experiencing the Meridian Difference, follow four easy steps.
1. Open an account
Choose a chequing package from the great options below and open your account online in just a few steps.
2. Enter your friend’s referral code
When opening your new chequing account, don’t forget to enter the referral code that your friend shared with you.
3. Deposit $50
Deposit $50 in your new account and maintain that balance for at least three months.
4. Get your bonus
Receive your $50 bonus within 2 months of meeting the eligibility requirements*. Plus, the friend who referred you gets a thank-you bonus!
Unlimited Chequing Package
A comprehensive package for those who want unlimited flexibility.
Unlimited self-serve and personal service transactions plus a $5,000 minimum monthly balance option to waive the package fee.
Digital Chequing Package
The ideal package for those who prefer to bank digitally.
Unlimited self-serve transactions plus a $3,000 minimum monthly balance option to waive the package and additional transaction fees.
Everyday Chequing Package
Perfect for those who bank more often.
More included transactions plus a $2,000 minimum monthly balance option to waive the package fee.
Essential Chequing Package
Perfect for those who bank infrequently.
Get the basics for a low monthly package fee regardless of your monthly balance.
Senior Unlimited Chequing Package
A comprehensive package for seniors who want unlimited flexibility.
Unlimited self-serve transactions plus a $5,000 minimum monthly balance option to waive the package fee.
Senior Everyday Chequing Package
A low-cost option for seniors with moderate banking needs.
All your monthly transactions, plus a $2,000 minimum monthly balance option to waive the package fee.
Student Chequing Package
Designed with the student in mind. Available for student Members6 between ages 18 - 25.
No monthly package fee, plus unlimited self-serve transactions and up to 99 rebated Interac e-Transfers.
Questions? We have answers
If you already have a Meridian chequing account, that means you also hold a $1 Meridian Member Share Account, which makes you ineligible for the $50 welcome bonus. However, you can refer friends and family to Meridian and earn a referral reward. For every person who enters your unique referral code, opens a chequing account, and fulfils the eligibility requirements, you get a $100 referral reward.
If you have other Meridian products that means you also hold a $1 Meridian Member Share Account, which makes you ineligible for the $50 welcome bonus. However, you can refer friends and family to Meridian and earn a referral reward. For every person who enters your unique referral code, opens a chequing account, and fulfils the eligibility requirements, you get a $100 referral reward.
A Meridian Share Account is an account where the Member holds at least one Membership share (each valued at $1). This is required to access Meridian products and services. It’s automatically opened for you during the account opening process.
Yes – as long as your Membership was inactive as of December 31, 2024, you’re eligible. You must not currently hold a $1 Meridian Member Share Account.
- Open a $1 Member Share Account online.
- Enter your friend’s unique referral code when you open a qualifying chequing account online.
- Deposit at least $50 into your new chequing account within 30 days.
- Maintain a $50 balance for at least three months.
- New Members will receive their $50 Welcome Bonus within two months of meeting all eligibility requirements. Example: If you open your account on September 24, 2025, deposit $50 on the same day, and keep that $50 in your account for 3 months, then your bonus will be deposited by January 31, 2026.
- Referring Members can expect their $100 Share the Difference Reward to be deposited after their referred friends have met all eligibility requirements – typically within the same timeframe as the new Member’s payout. View the full payout schedule in the Terms and Conditions.
Unfortunately, no. This offer is only available to new Members who are referred by an existing Meridian Member.
Yes. We need your friend’s unique referral code to verify their Membership and issue their bonus. If the referral code is missing, neither of you will receive your bonus.
No. Only new Members who are referred and open their account during the offer period are eligible.
Your new chequing account must be opened online, and you must enter your friend’s referral code for both of you to be eligible for a bonus.
Need help getting started?
Where can I find more information on account fees and features?
Available to Members aged 18 and older. All features and transactions included in the monthly package fee.
| Fee type and description | Fee details |
|---|---|
| Package fees | |
| Monthly package fee | $14 |
| Minimum monthly balance (MMB) to waive additional transaction fees5 | $3,000 |
| MMB to waive package fee5 | $3,000 |
| Transactions included in package | |
| Self-serve1 | Unlimited |
| In branch2 | 0 included ($1.25 per transaction if MMB not maintained) |
| Cheques4 | 0 included ($1.25 per cheque if MMB not maintained) |
| Deposits | Free |
| Rebated Interac e-Transfers®3/ month | 99 included ($1.50 per additional transfer) |
| Monthly interest | Not applicable |
Available to Members aged 18 and older. All features and transactions included in the monthly package fee.
| Fee type and description | Fee details |
|---|---|
| Package fees | |
| Monthly package fee | $3 |
| Minimum monthly balance (MMB) to waive additional transaction fees5 | Not applicable |
| MMB to waive package fee5 | Not applicable |
| Transactions included in package | |
| Self-serve1 | 15 included ($1.25 per additional transaction) |
| In branch2 | 5 included ($1.25 per additional transaction) |
| Cheques4 | 2 included ($1.25 per additional cheque) |
| Deposits | Free |
| Rebated Interac e-Transfers®3/ month | 4 included ($1.50 per additional transfer) |
| Monthly interest | Not applicable |
Available to Members aged 18 and older. All features and transactions included in the monthly package fee.
| Fee type and description | Fee details |
|---|---|
| Package fees | |
| Monthly package fee | $9 |
| Minimum monthly balance (MMB) to waive additional transaction fees5 | Not applicable |
| MMB to waive package fee5 | $2,000 |
| Transactions included in package | |
| Self-serve1 | 25 included ($1.25 per additional transaction) |
| In branch2 | 5 included ($1.25 per additional transaction) |
| Cheques4 | 2 included ($1.25 per additional cheque) |
| Deposits | Free |
| Rebated Interac e-Transfers®3/ month | 6 included ($1.50 per additional transfer) |
| Monthly interest | Not applicable |
Available to Members aged 18 and older. All features and transactions included in the monthly package fee.
| Fee type and description | Fee details |
|---|---|
| Package fees | |
| Monthly package fee | $19 |
| Minimum monthly balance (MMB) to waive additional transaction fees5 | Not applicable |
| MMB to waive package fee5 | $5,000 |
| Transactions included in package | |
| Self-serve1 | Unlimited |
| Personal service (in branch)2 | Unlimited |
| Cheques4 | Unlimited |
| Deposits | Free |
| Rebated Interac e-Transfers®3/ month | 99 included ($1.50 per additional transfer) |
| Monthly interest | Not applicable |
Available to Members aged 18-256. All features and transactions included in the monthly package fee.
| Fee type and description | Fee details |
|---|---|
| Package fees | |
| Monthly package fee | $0 |
| Minimum monthly balance (MMB) to waive additional transaction fees5 | Not applicable |
| MMB to waive package fee5 | Not applicable |
| Transactions included in package | |
| Self-serve1 | Unlimited |
| In branch2 | 5 included ($1.25 per additional transaction) |
| Cheques4 | 2 included ($1.25 per additional cheque) |
| Deposits | Free |
| Rebated Interac e-Transfers®3/ month | 99 included ($1.50 per additional transfer) |
| Monthly interest | Not applicable |
Available to Members aged 60 and older. All features and transactions included in the monthly package fee.
| Fee type and description | Fee details |
|---|---|
| Package fees | |
| Monthly package fee | $3 |
| Minimum monthly balance (MMB) to waive additional transaction fees5 | Not applicable |
| MMB to waive package fee5 | $2,000 |
| Transactions included in package | |
| Self-serve1 | 25 included ($1.25 per additional transaction) |
| In branch2 | 5 included ($1.25 per additional transaction) |
| Cheques4 | 2 included ($1.25 per additional cheque) |
| Deposits | Free |
| Rebated Interac e-Transfers®3/ month | 6 included ($1.50 per additional transfer) |
| Monthly interest | Not applicable |
Available to Members aged 60 and older. All features and transactions included in the monthly package fee.
| Fee type and description | Fee details |
|---|---|
| Package fees | |
| Monthly package fee | $9.50 |
| Minimum monthly balance (MMB) to waive additional transaction fees5 | Not applicable |
| MMB to waive package fee5 | $5,000 |
| Transactions included in package | |
| Self-serve1 | Unlimited |
| In branch2 | Unlimited |
| Cheques4 | Unlimited |
| Deposits | Free |
| Rebated Interac e-Transfers®3/ month | 99 included ($1.50 per additional transfer) |
| Monthly interest | Not applicable |
Question about the program?
If you have any questions about the program you can book an appointment or give us a call.
Reminder: To qualify for the bonus, make sure to enter your friend’s unique referral code and open your new chequing account online.