This is an exclusive invitation we have tailored for the friends and loved ones of our team teal members only. You've been invited to experience the best CWB has to offer!
Here's the deal
Just open a new Apex® all-inclusive chequing account by November 15, 2024, and we’ll waive your fees for six months.1 Your new Apex®all-inclusive chequing account unlocks these additional deals, available until December 6, 2024:
- 0.50% bonus on posted interest rates for personal registered GICs 2
- 0.50% rate discount on a personal line of credit 3
- 5,000 bonus points and the first year annual fee waived on personal CWB World Elite® Mastercard® 4
Plus, you'll be automatically entered to win a $2,500 gift card package! 5
Be sure to read through the further offer details and program terms and conditions set out below.
0.50% bonus interest rate on personal registered GICs 2
0.50% rate discount on a personal line of credit 3
5,000 bonus points and first year annual fee waived on personal CWB World Elite® Mastercard® 4
Entry into a gift card giveaway 5
Further offer details
1. Apex® all-inclusive chequing account waived fees
2. 0.50% bonus on posted interest rates for personal registered GICs
3. 0.50% rate discount on a personal line of credit
4. 5,000 bonus points and first year annual fees waived on personal CWB World Elite® Mastercard®
4 Offer is available for new, personal clients only. To qualify, individuals must be issued a new CWB World Elite Mastercard. Individuals must have applied for a CWB World Elite Mastercard between October 15, 2024 and December 6, 2024. Individuals who are currently or were previously primary or secondary cardholders of a CWB personal credit card, including those that switch from an existing CWB personal credit card, are not eligible for this offer. CWB reserves the right at any time and without notice to change, cancel or extend this offer. This offer is not a prerequisite to CWB issuing any CWB World Elite Mastercard. Bonus points will be added within 4-6 weeks of account opening.
To learn more about CWB's World Elite Mastercard, visit CWB World Elite Mastercard | Canadian Western Bank (cwbank.com)
CWB Rewards Mastercard® and CWB World Elite® Mastercard® are issued by Brim Financial Inc. Mastercard and World Elite Mastercard are registered trademarks and the circles design is a trademark of Mastercard International, used under license.
*Up to $25,000 annual spend then 1 point per $1 spent thereafter.
5. Gift card giveaway
5 By opening a new Apex® all-inclusive chequing account through this referral offer you will automatically be entered to win. One winner will be drawn randomly after November 15, 2024, and contacted by their relationship manager. Prize value of $2,500. Odds of winning depend on number of entries.
***Additional interest calculation
Full terms and conditions
CWB Canadian Western Bank Refer-a-Friend Offer Terms and Conditions
Canadian Western Bank (“we “or “CWB) is offering existing CWB Group employees (the “Referrer”) the opportunity to refer-a-friend (the “Friend”) via a Referral Program (“Program”) offered on the web site located at: https://www.cwbank.com/exclusive (the “Site”).
1. Binding Agreement. By using the Site or participating in the Program, the Referrer and all referred Friends agree to be bound by these Terms and Conditions (“Terms”) and indicate their agreement to them. All of CWB's decisions are final and binding.
2. Privacy. The personal information collected, processed and used as part of the Program will be used in accordance with CWB’s Privacy Statement, which is available by link on the Site. Before providing any information, including the email addresses of referred Friends, the Referrer must ensure that it has each referred Friend’s consent to provide all information about the Friend to CWB for the purpose of administering the Program.
3. How the Program Works. The Referrer or You must be a legal resident of Canada and at least 18 years old, and an employee of CWB or any of its affiliates prior to the Program Start Date and one month following the Program End Date. Next, the Referrer must share the Site to refer friends and non-immediate family members who are not currently CWB personal banking customers. Referrers may refer as many friends and non-immediate family members as they would like throughout the entirety of the Program, however Referrers can receive rewards from a maximum of five successful Referrals. This offer is available only to (1) Referrers who are existing employees of CWB or any of its affiliates, and (2) referred Friends who are not personal CWB customers as six months prior to the Program Start Date and complete the referral as described in the referral message and the Program Requirements below.
The Program Start Date shall be on October 15, 2024 and the Program End Date shall be November 15, 2024. To be eligible for Rewards under the Program, the following must occur: (i) your referred Friend must fill out the form on Site and indicate the name of the CWB employee who referred them ; (ii) your referred Friend must speak with a CWB relationship manager and open or cause to open an Apex® all-inclusive chequing account on or before November 15, 2024 (which must remain open for at least 60 days after account opening); and (iii) your referred Friend must not have been a personal client of CWB at least six months prior to the Program Start Date (a “Valid Referral”).
4. Restrictions. Referrers cannot refer themselves or create multiple, fictitious or fake accounts with CWB or participate in the Program as “Friends.” Referrers cannot refer the same Friend multiple times, and a referred Friend can only be referred one time by one Referrer. Any duplicate referrals of a Friend by one or more Referrers shall be void. Each referred Friend can only result in one referral reward back to any Referrer. The offer is not available to any Friend in Quebec or outside of the CWB service area. No user may use the Program to violate any law, infringe or violate the rights of any third party, or otherwise act in a manner that is deemed harassing, harmful, illegal, hateful, obscene or outside the spirit and intent of the Program. In addition, the Referrer and any referred Friends may not (i) tamper with the Program, (ii) act in an unfair or disruptive manner, or (iii) use any system, bot or other device or artifice to participate or receive any benefit in the Program. CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE OR UNDERMINE THE LEGITIMATE OPERATION OF THE PROGRAM MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, CWB RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEY FEES) TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.
5. Rewards. Upon making a Valid Referral, the Referrer will receive a $100 cash reward via payroll within sixty (60) days following the Program End Date (the “Reward”). The Referrer can earn a cumulative maximum of $500 in Rewards from the Program from five successful referrals. Restrictions may apply. Rewards are subject to verification. CWB may delay a reward for the purposes of investigation. CWB may also refuse to verify and process any transaction for any reason. All federal, provincial and local taxes, if any, as well as any other costs and expenses associated with the Reward are the Referrer’s responsibility.
Upon the completion of a Valid Referral, the referred Friend will not pay the monthly, recurring account fee for their Apex® all-inclusive chequing account (currently $14.25/month) until June 1, 2025. As an additional bonus, if the referred Friend opens one or more of the underlying accounts noted below by December 6, 2024, being a qualifying TFSA or RRSP GIC, a personal line of credit or a CWB World Elite Mastercard, such Friend shall be entitled to one or more of the following corresponding benefits: (i) 0.5% bonus on posted rates for any Qualifying TFSA or RRSP GIC opened pursuant to the Program, (ii) a 0.50% rate discount for a line of credit up to CAD $50,000 opened pursuant to the Program, or (iii) 5000 welcome points and waiver of annual ($120) card fees for one year for opening a CWB World Elite Mastercard pursuant to the Program.
6. Contest. Each referred Friend referred pursuant to a Valid Referral will also be automatically entered to win $2,500 worth of gift cards for Sandman hotels, Chop Steakhouse and Bar, Moxies and Denny's. (the “Contest”). The Contest is a one-time draw and starts on the Program Start Date and ends on the Program End Date (the "Contest Period"). The draw will occur no later than three (3) months following the conclusion of the Contest Period.
Contest Eligibility: No purchase is required. To enter and be eligible to win a prize, you must be a legal resident of Canada (excluding residents of Quebec) who has reached the legal age of majority in your province/territory of residence at the time of entry. Any person who, at any time during, before or after the Contest Period was or is a director, officer, agent, representative, or employee of Canadian Western Bank (“CWB” or “Sponsor”) or any of its affiliates (collectively, “CWB Financial Group”), along with any immediate family members of persons in the preceding category (defined as (biological or step-) mother, father, sister, brother, daughter, son, or dependent or spouse of any of the foregoing), regardless of where they live, or who reside in the same household (i.e., live in the same household for at least 3 of the 12 months preceding the start of the Contest Period, whether related or not), are NOT eligible to participate or win a prize.
Prize: One prize of $2500 worth of gift cards from Sandman hotels, Chop Steakhouse and Bar, Moxies and Denny's will be awarded during the Contest Period (once confirmed, “Winner”). The prize is not transferable and cannot be substituted by the winner for cash or otherwise and must be accepted as awarded. CWB reserves the right, in its absolute discretion, to make substitutions of equivalent kind or value in the event of unavailability of all or part of the prize for any reason whatsoever.
The Winner acknowledges that CWB has not made nor is in any manner responsible or liable for any warranty, representation, or guarantee, express or implied, in fact or in law, relative to prizes, if any, including but not limited to their quality, mechanical condition or fitness for a particular purpose. Any and all warranties and/or guarantees on a prize (if any) are subject to the respective manufacturers' terms therefore, and Winners agree to look solely to such manufacturers for any such warranty and/or guarantee.
All federal, provincial and local taxes, if any, as well as any other costs and expenses associated with prize acceptance and use not specified herein as being provided are the Winner’s responsibility, regardless of whether a prize is used in whole or in part. All prize details are at the Sponsor's sole and absolute discretion.
General Conditions: This Contest is subject to all applicable federal, provincial and municipal laws. The decisions of the CWB with respect to all aspects of this Contest are final and binding on all entrants without right of appeal. CWB’s failure to enforce any term of these Rules shall not constitute a waiver of that provision.
ANYONE DEEMED BY THE CWB TO BE IN VIOLATION OF THE CWB’S INTERPRETATION OF THE LETTER AND/OR SPIRIT OF THESE RULES FOR ANY REASON IS SUBJECT TO DISQUALIFICATION IN THE SOLE AND ABSOLUTE DISCRETION OF THE CWB AT ANY TIME. The CWB reserves the right to refuse an Entry from any person whose eligibility is in question or who has been disqualified or is otherwise ineligible to enter. In its sole and absolute determination, the CWB may disqualify any person (and to void all associated Entries) if such person acts in any manner to threaten or abuse or harass any person, or to attempt to undermine the legitimate operation of the Contest by tampering, cheating, hacking, deception, or other fraudulent, deceptive or unfair playing practices.
BY PARTICIPATING IN THIS CONTEST, ENTRANTS AGREE (AND AGREE TO CONFIRM IN WRITING) THAT CWB, SUBSIDIARIES AND AFFILIATES OF CWB, AND EACH OF THEIR OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS (COLLECTIVELY, THE “RELEASED PARTIES”) HAVE NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY ENTRANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES OR DAMAGES OF ANY KIND (INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES) TO PERSONS OR PROPERTY RESULTING FROM A PRIZE, INCLUDING THE ACCEPTANCE, POSSESSION, MISUSE OR USE OF THE PRIZE, OR THE MERCHANDISE FOR WHICH IT IS REDEEMED (IF APPLICABLE). FURTHER, BY PARTICIPATING IN THIS CONTEST, ENTRANTS AGREE THAT RELEASED PARTIES HAVE NO LIABILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS BY ENTRANTS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES OR DAMAGES OF ANY KIND (INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES) RESULTING FROM: A) ENTRY OR PARTICIPATION IN THIS CONTEST, INCLUDING ACCESS TO AND USE OF THE CONTEST WEBSITE, OR B) ANY CLAIMS BASED ON PERSONALITY OR PRIVACY RIGHTS, DEFAMATION OR MERCHANDISE DELIVERY.
CWB reserves the right to withdraw, cancel, amend or suspend this Contest (or to amend these Rules) in any way, without prior notice or obligation, in the event of any cause beyond the reasonable control of CWB that interferes with the proper conduct of this Contest as contemplated by these Rules, including, without limitation, any error, problem, computer virus, bugs, tampering, unauthorized intervention, fraud or failure, accident, printing or administrative error, or for any other reason whatsoever. In the event of cancellation, CWB reserves the right in its sole and absolute discretion, to randomly select the Winners from among all eligible, non-suspect Entries received up to time of such cancellation. In no event will the CWB be liable for more than the stated number of prizes in these Rules.
By entering this Contest, each entrant expressly consents to the CWB, its agents and/or representatives, storing, sharing and using the personal information submitted only for the purpose of administering the Contest and in accordance with CWB’s privacy policy (available at: http://www.cwb.com).
This section does not limit any other consent(s) that an individual may provide CWB in relation to the collection, use and/or disclosure of their personal information, including consents provided in relation to an individual’s participation in the CWB Canadian Western Bank Refer-a-Friend Offer and any products or services obtained in conjunction with that offer.
7. Liability. THE REFERRER AND ANY REFERRED FRIENDS UNDERSTAND AND AGREE THAT THE RELEASED PARTIES (DEFINED BELOW) SHALL NOT BE LIABLE TO THEM FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF CWB WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES). By participating in the Program, Referrer and any referred Friends agree to defend, indemnify, release and hold harmless CWB and their respective parent companies, affiliates and subsidiaries, together with their respective employees, directors, officers, licensees, licensors, shareholders, attorneys and agents including, without limitation, their respective advertising and promotion entities and any person or entity associated with the production, operation or administration of the Program (collectively, the “Released Parties”), from any and all claims, actions, demands, damages, losses, liabilities, costs or expenses caused by, arising out of, in connection with, or related to the Program (including, without limitation, any property loss, damage, personal injury or death caused to any person(s)) and/or the awarding, receipt and/or use or misuse of any benefit in the Program. To be clear, the Released Parties shall not be liable for any technical errors or malfunctions, data theft or corruption, any printing or typographical error, or any damage to any computer system resulting from participating in, or accessing or downloading information in connection with the Program. The Released Parties shall not be liable to any users for failure to supply any advertised benefit, by reason of any acts of God, any action or request by any governmental or quasi-governmental entity (whether or not valid), or any other activity or action that is beyond any of the Released Parties’ control. TO THE FULLEST EXTENT POSSIBLE BY LAW, THE RELEASED PARTIES’ MAXIMUM LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE PROGRAM, REGARDLESS OF THE CAUSE OF ACTION (WHETHER IN CONTRACT, TORT, BREACH OF WARRANTY, OR OTHERWISE), WILL NOT EXCEED $200.
8. Disclaimer of Warranties. THE REFERRER AND ANY REFERRED FRIENDS EXPRESSLY UNDERSTAND AND AGREE THAT: (A) THE PROGRAM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND CWB EXPRESSLY DISCLAIMS ALL WARRANTIES, CONDITIONS AND TERMS OF ANY KIND, WHETHER EXPRESS OR IMPLIED BY STATUTE, COMMON LAW OR CUSTOM, INCLUDING, BUT NOT LIMITED TO, WARRANTIES AS TO PRODUCTS OR SERVICES OFFERED THROUGH THE USE OF THE PROGRAM, IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT; (B) THE RELEASED PARTIES MAKE AND GIVE NO WARRANTY THAT (i) THE PROGRAM WILL MEET THE REFERRER AND ANY REFERRED FRIENDS REQUIREMENTS, (ii) THE PROGRAM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, AND (iii) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY THE REFERRER AND ANY REFERRED FRIENDS THROUGH THE PROGRAM WILL MEET THE REFERRER AND ANY REFERRED FRIENDS EXPECTATIONS, AND (C) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE PROGRAM IS ACCESSED AT THE REFERRER AND ANY REFERRED FRIENDS OWN DISCRETION AND RISK, AND THE REFERRER AND ANY REFERRED FRIENDS WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO THE REFERRER AND ANY REFERRED FRIENDS COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF ANY SUCH MATERIAL.
9. Bulk Distribution (“Spam”). Each Referrer is the actual sender of the emails and must comply with applicable law. Referrals must be created and distributed in a personal manner that is appropriate and customary for communications with friends, colleagues and family members. By submitting any email address as part of the Program, the Referrer represents that he/she has the appropriate permission and consent. Bulk email distribution, distribution to strangers, or any other use of the services described herein in a manner that is not promoted is expressly prohibited and may be grounds for immediate termination and further legal action. CWB has no obligation to monitor the Program or any communications; however, CWB may choose to do so and block any email messages, remove any such content, or prohibit any use of the Program. Referrers who do not comply with the law, including anti-spam laws, are obligated to indemnify the Program Entities against any liabilities, costs and expenses it incurs as a results of such spam.
10. Sign-In Credentials. Referrers are responsible for maintaining the confidentiality of any sign-in credentials and are fully responsible for all activities that occur through the use of them. Referrers agree to notify CWB immediately if they suspect unauthorized access to their account. Referrers agree that CWB will not be liable for any loss or damage arising from unauthorized use of their credentials.
11. Right to Cancel, Modify or Terminate. CWB reserves the right to cancel, modify or terminate the Program at any time for any reason. CWB also reserves the right to disqualify any Referrer or Friend at any time from participation in the Program if they do not comply with any of these terms.