A credit union member can only qualify for UMatter if he/she is referred by an existing UMatter member and if certain minimum account qualifications are met. The UMatter members earn benefits and earn higher levels of benefits with the more referrals they make. To create the feeling of exclusivity, there is a referral requirement. A member qualifies for UMatter if he/she is referred by an existing UMatter member and if certain minimum account qualifications are met, for example, active credit card, $10,000 on loan or deposit, active direct deposit, and a checking account. The UMatter members earn benefits and earn higher levels of benefits with the more referrals they make. The UMatter program is flexible in terms of the benefits awarded and the referral levels necessary to achieve them. Credit unions can design it to fit their needs.
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