First successful referral will result in the waiving or crediting of current years annual fee. Any subsequent, successful referrals will result in $100 credit to Merchants bank account provided below. Referral must not be an existing client of Axia already. Offer may not be valid in all areas. Referred accounts must maintain an active, exclusive account with Bank for 90 consecutive days. Allow 3-4 weeks after initial 90 days for reward. Axia employees and contractors not eligible. Existing Axia customers may not refer themselves or subsequent additional businesses operating under Legal Business Name on Agreement.