Following the financial crisis, U.S. banks have refocused on optimizing relationships with existing customers. One of the ways that banks have sought to monetize these relationships is to cross-sell additional financial products and services. Another is to leverage the existing customer base to acquire additional customers, through referral programs.
It is notable that there has been recent growth in the incidence of referral programs on bank websites. the following is a list of banks currently featuring referral offers on their websites: