Summer Farm Dividend

Terms & Conditions

Enjoy local (to you) food and reinvest in your food ecosystem – and earn up to $100 while doing it. This promotion begins June 21, 2026 and ends September 21, 2026.

What is the Summer Farm Dividend?

The Summer Farm Dividend is an account credit of up to $100 to use at local farms, farmers’ markets, or related food businesses. It’s a time-limited promotion that we may renew annually at our discretion.

We use the term “dividend” because it ties to our roots as a mutual bank, where a portion of profits is returned to the community. Technically, however, this is a promotional account credit subject to renewal — not a formal dividend.

Eligibility:

You are eligible to receive up to $100 as long as, by June 21, 2026:

• You have an open Spend Local or Grow Local checking account in good standing, and
• Your aggregate balance across all personal accounts where you are the primary owner — including Grow Local, Spend Local, Save Local accounts, and Local Impact CDs — is at least $5,000.

A note on joint accounts: Each Dividend is applicable to a primary account owner; not each open account. If you share a joint account with someone, only the primary owner may count the joint account’s balance toward the $5,000 qualifying threshold. The primary owner is eligible to redeem the Dividend or may authorize a secondary owner to redeem it on their behalf by sending us an email before June 17, 2026. As a secondary owner on a joint account, you are eligible for your own Dividend only if you meet the balance threshold on accounts where you are the primary owner.

Only personal accounts are eligible; business and organization accounts do not count toward the balance threshold and are not eligible for redemption.

Key Dates:

On June 21, 2026, we will review all active personal accounts to determine eligibility. Qualified partners will receive a notification to their email address on file within one week. Participation is open from June 21 through September 21, 2026.

Redemption

There are three easy steps:

• • Choose a local food business and make your purchase using your Walden Mutual debit card.
    
    If your chosen business doesn’t accept card payments, you may use cash or check, but you must keep your receipt and submit it as an exception request in the redemption survey. Cash or check payments at businesses that do accept card payments are not eligible.
    
    You may split your spend across multiple eligible businesses.
    
    Both in-person and online purchases qualify.
    
    Which businesses are eligible? If you can answer “yes” to both questions, it’s covered:
  • • Are you buying food or beverages from a farm, farmers’ market, co-op, or independently owned business?
    • Is the merchant within one hour of where you live?
• Complete the redemption survey (available by email or within online banking) with details on what you bought, where, and why.
• That’s it! By the 5th of each month from July through October, we’ll credit your account up to $100 based on your eligible purchases. If you spent less than $100, the credit will match what you spent. All purchases must be made and submitted via the survey by September 21, 2026.

Have a question not answered above? Send us a note! We’re happy to help.

Other Legal Notes

Failure to meet any of the requirements above will result in ineligibility.

We reserve the right to exclude any participant for any reason, including suspected fraud or misuse, and to modify or discontinue the promotion at any time.