Simply navigate to the Refer a Friend website page. Use the form on this page to register. After you’re registered, you can invite your friends and family. Once your friend registers for the referral offer using your personal referral link and then opens a First Merchants Bank personal checking account with a deposit of $100 or more AND completes 15 debit card transactions (excluding ATM transactions) within 60 days of account opening, you will each receive a $50 Mastercard Reward Card. The more friends you refer, the more you can earn – up to $500 per calendar year.