Member Experience

This page walks through the end-to-end member journey for the Banno integration, screen by screen. The journey covers both roles:

• Acceptor (new member) — lands on the Banno dashboard, discovers the referral tile, submits a referral code, and tracks eligibility.
• Inviter (existing member) — shares a permanent personal code via email, text, or social media, and watches their “Joined” count grow as friends sign up.

Every screen below appears directly inside the member’s Banno dashboard, without ever leaving the app.

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1. Referral Tile — First Look

The referral tile sits on the Banno dashboard and changes based on where the member is in their referral journey:

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2. Submitting a Referral Code

After signing in through Banno, new members land on the full Refer-a-Friend page. They’re shown a program description alongside a field to enter a referral code. s Referral codes are six characters long and are not case-sensitive. Behind the scenes, a few rules protect the program from misuse:

• The code must belong to a program that’s currently running.
• A member can’t refer themselves, even from a second account.
• A member can only submit one referral code per program.
• Two members can’t refer each other using each other’s codes at the same time.

Once a valid code is submitted, the member sees a confirmation message and their referral begins being tracked toward the reward.

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3. Sharing a Referral

Existing members see their own permanent referral code (1TUXR0 in the example) along with the reward amount, and can share it by:

• Email — sending an invite directly from within the app.
• Social media — sharing to Facebook, WhatsApp, or X, or copying a link to send however they like.

Each member’s code is generated the first time they sign in and stays the same for every program they take part in.

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4. Tracking Referrals

Members who have already shared their code see a running “Joined” count of how many friends have signed up using it, alongside the Invite Now button to keep sharing. If that same member also submitted someone else’s code, a link to check their own eligibility status appears too.

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5. Checking Reward Eligibility

New members can check their progress toward the reward at any time. This status page shows:

• The program name and current status (submitted, criteria met, ready to pay, paid, or expired).
• The deadline to complete all the requirements.
• A checklist of each requirement, marked as met or not yet met.

The checklist updates each time the member visits — as soon as a requirement is satisfied, it’s reflected the next time they check.

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6. Program Terms & Conditions

A terms and conditions page is available from both the sharing screen and the eligibility status page. It typically covers:

• Which account types qualify (for example, consumer checking only — HSAs are excluded).
• The good-standing requirement — no negative balances during the program period.
• Forfeiture if the referred member closes their account within six months.
• Rules against self-referral and other abuse of the program.
• Tax treatment — rewards are reportable on 1099 forms.

The wording is fully editable, so each FI can supply its own program-specific terms.